CN109697216B

CN109697216B - Clearing transaction information processing method, device and system

Info

Publication number: CN109697216B
Application number: CN201811547868.8A
Authority: CN
Inventors: 陈红; 王鹏飞; 李振勇; 赵函可
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2018-12-18
Filing date: 2018-12-18
Publication date: 2021-04-20
Anticipated expiration: 2038-12-18
Also published as: CN109697216A

Abstract

The invention provides a transaction information processing method, a device and a system, wherein the method comprises the following steps: acquiring transaction information from a peripheral transaction system; storing the transaction information into a POOL file according to a data format in the POOL file, wherein the data format in the POOL file is a key value, a BITMAP BITMP field and a data field, and a first binary BIT value of the BITMP in the BITMAP BITMP field is used for indicating whether the corresponding data field has data or not; acquiring required transaction information from the POOL file format, finishing corresponding transaction operation according to the required transaction information, and generating a transaction result; and sending the transaction result to a corresponding peripheral transaction system. According to the scheme, the POOL file is used as a data carrier to replace a database to provide core processing service, so that the problems of lock conflict, index and the like of the database are avoided, and the generation of a large number of intermediate files is also avoided.

Description

Clearing transaction information processing method, device and system

Technical Field

The invention relates to the technical field of settlement transaction information processing, in particular to a settlement transaction information processing method, device and system.

Background

Financial transactions of financial institutions generally need to be cleared in a centralized manner, the clearing of the financial transactions needs to be classified from transaction channels, transaction institutions, transaction equipment, transaction currency, transaction types and the like, and a clearing system of the financial institutions receives a plurality of clearing files with different data formats from peripheral systems and then performs clearing processing on the clearing files in a centralized manner. After receiving the clearing files with different data formats, the financial institution writes the clearing files into the database, and then carries out clearing processing based on a series of operations and program operations on the database or directly generates an intermediate file for processing. The above-mentioned clearing method has the following disadvantages: (1) adding a corresponding database communication subprogram; the performance of the database needs to be monitored in real time; lock conflict problems, index use problems, etc. may arise; maintenance processing, such as backup and recovery, of the database needs to be added, so that the maintenance cost of the database is increased, and meanwhile, the requirement on the skills of developers is high; (2) more intermediate files can be generated, and the system consumption is increased; (3) over time, system redundancy will become higher and higher; (4) causing the system to be bloated and complex; the system has poor expandability and maintainability.

Disclosure of Invention

The embodiment of the invention provides a clearing transaction information processing method, a clearing transaction information processing device and a clearing transaction information processing system, wherein a POOL file is used as a data carrier to replace a database to provide core processing service, so that common problems (lock conflict problem, index problem and the like) of the database are avoided, and generation of a large number of intermediate files is also avoided.

The embodiment of the invention provides a clearing transaction information processing method, which comprises the following steps:

obtaining clearing transaction information from a peripheral transaction system;

storing the clearing transaction information into a POOL file according to a data format in the POOL file, wherein the data format in the POOL file is a key value, a BITMAP BITMP field and a data field, and a first binary BIT value of the BITMP in the BITMAP BITMP field is used for indicating whether the corresponding data field has data or not;

acquiring required clearing transaction information from the POOL file format, finishing corresponding transaction operation according to the required clearing transaction information, and generating a transaction result;

and sending the transaction result to a corresponding peripheral transaction system.

The embodiment of the invention also provides a clearing transaction information processing device, which comprises:

the clearing transaction information acquisition module is used for acquiring clearing transaction information from a peripheral transaction system;

the first format conversion module is used for storing the clearing transaction information into a POOL file according to a data format in the POOL file, wherein the data format in the POOL file is a key value, a BITMAP BITMP field and a data field, and a first binary BIT value of the BITMP in the BITMAP BITMP field is used for indicating whether data exists in the corresponding data field or not;

the transaction operation module is used for acquiring required clearing transaction information from the POOL file format, finishing corresponding transaction operation according to the required clearing transaction information and generating a transaction result;

and the transaction result sending module is used for sending the transaction result to the corresponding peripheral transaction system.

The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the clearing transaction information processing method when executing the computer program.

The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the clearing transaction information processing method.

The embodiment of the invention also provides a clearing transaction information processing system, which comprises: the clearing transaction information processing device and the peripheral transaction system are provided.

In the embodiment of the invention, after receiving the clearing transaction information, the clearing transaction information is not directly stored in the database, then the corresponding clearing transaction information is obtained from the database to carry out the corresponding transaction operation, but the clearing transaction information is stored in the POOL file according to the data format in the POOL file, the required clearing transaction information is obtained from the POOL file format, the corresponding transaction operation is completed according to the required clearing transaction information, and the transaction result is generated.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a flow chart of a clearing transaction information processing method provided by an embodiment of the invention;

FIG. 2 is a flow chart of a clearing transaction information processing method provided by an embodiment of the invention;

FIG. 3 is a schematic diagram of an unexpanded BITMP field according to an embodiment of the present invention;

fig. 4 is a schematic diagram of a one-time extended BITMAP field according to an embodiment of the present invention;

fig. 5 is a schematic diagram of a secondary extended BITMAP field according to an embodiment of the present invention;

FIG. 6 is a diagram of an example of a complete BITMAP file record according to an embodiment of the present invention;

FIG. 7 is a subroutine graph provided by an embodiment of the present invention;

FIG. 8 is a flow chart of a clearing transaction information processing method provided by an embodiment of the invention (III);

FIG. 9 is a block diagram of one configuration of a clearing transaction information processing apparatus provided by an embodiment of the present invention;

FIG. 10 is a block diagram showing a second configuration of a clearing transaction information processing apparatus according to an embodiment of the present invention;

fig. 11 is a block diagram showing a third configuration of a clearing transaction information processing apparatus according to an embodiment of the present invention;

FIG. 12 is a block diagram of one configuration of a clearing transaction information processing system provided by an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

In an embodiment of the present invention, there is provided a clearing transaction information processing method, as shown in fig. 1, the method including:

step 101: obtaining clearing transaction information (generally referred to as clearing transaction data) from the peripheral transaction system;

step 102: storing the clearing transaction information into a POOL file according to a data format in the POOL file, wherein the data format in the POOL file is a key value, a BITMAP BITMP field and a data field, and a first binary BIT value of the BITMP in the BITMAP BITMP field is used for indicating whether the corresponding data field has data or not;

step 103: acquiring required clearing transaction information from the POOL file format, finishing corresponding transaction operation according to the required clearing transaction information, and generating a transaction result;

step 104: and sending the transaction result to a corresponding peripheral transaction system.

In the embodiment of the present invention, the step 101 of acquiring clearing transaction information from the peripheral transaction system specifically includes:

receiving the clearing transaction information sent by the peripheral transaction system; or the like, or, alternatively,

setting an address, a file storage path and a file name of a peripheral transaction system; a user name may also be included;

and acquiring corresponding clearing transaction information from the corresponding peripheral transaction system according to the address, the file storage path and the file name of the peripheral transaction system.

In the embodiment of the invention, the peripheral transaction system is generally required to provide the data file according to the specified general interface, and the invention supports the GAF interface and the EDC interface, that is to say, the data format of the clearing transaction information is in the GAF format or the EDC format. GAF file: universal receipt interface text inherits and continues credit card early purchase (prior to POS machine invention) transaction processing. A piece of clearing transaction information may consist of multiple transaction records.

For a peripheral transaction system with a special data interface, the data format of the clearing transaction information sent by the peripheral transaction system is not the GAF format or the EDC format, and at this time, data format conversion is required before the clearing transaction information is stored in the POOL file according to the data format in the POOL file (step 102). As shown in fig. 2, the clearing transaction information processing method further includes:

step 105: when the data format of the clearing transaction information is not the GAF format or the EDC format, converting the data format of the clearing transaction information into the GAF format or the EDC format.

Step 102 then becomes: and storing the clearing transaction information in the GAF format or the EDC format into the POOL file according to the data format in the POOL file.

In the embodiment of the present invention, the present invention uses the POOL file as the data carrier, and what is the POOL file is described in detail below.

First, the 8583 message is introduced. 8583 the message is an international standard packet format, and is also a message protocol generally accepted and used by financial institutions. 8583 the header of the packet is a BITMAP (indicating whether a bit exists) to determine the field composition of the packet. When a certain message only uses a small part of 128 domains, only the domain used is needed to be added behind the BITMP, and the domain not used does not occupy extra space.

The POOL file (BITMP file) is similar to the 8583 message and is also used for batch processing, and may be referred to as a batch message. The difference lies in that: the POOL file has 192 fields, 8 bytes of the header are used as the first BITMAP to identify whether the 001 field-064 field has data, the 001 field and the 065 field are used to store (Extended bit map Extended BITMAP) Extended BITMAP, which respectively indicate whether the fields 065-.

The peripheral file formats received by the application system are various, and after the channel files can be uniformly converted into the POOL files, the data in the system has a uniform standard, so that the data are easier to process, and programs in the system are easier to multiplex.

The POOL file is stored in QSAM mode, one file contains multiple records (the clearing transaction information comprises multiple records), the first record is a head record, the last record is a tail record, and the middle record is a transaction record. Each record is composed of a key value, BITMAP (8 characters), and respective data fields. One BITMAP may represent 8 × 8 ═ 64 domains. The BITMAP may exist in a specific domain (001 domain, 065 domain) as an extension. Some records require BITMAP field expansion due to the different range of fields involved in each record. The following is illustrated in three cases:

1) not expanded

When a certain record of the POOL file only needs to use data of 1-64 fields, only one BITMAP is needed to indicate the existence of 8 × 8-64 fields. The first binary BIT of the BITMAP is 0, which means that no BITMAP field expansion is performed thereafter. At this time, the 001 field is null. The domains in the 002- 064 domain are the most commonly used domains, as shown in fig. 3.

2) Performing a BITMP field expansion

When a certain record of the POOL file needs to use the data of the 065-128 field, a field expansion needs to be performed once. Setting the first BIT of the first BITMAP to 1 indicates that the 065-plus-128 field is to be expanded, the 001 field value is not null, and the BITMAP with the identifier 065-plus-128 field is stored in the 001 field, as shown in fig. 4.

3) Performing BITMP field expansion again

When a certain record of the POOL file needs to use the data in the 129-192 domain, we need to perform the domain expansion again. Setting the first BIT of the BITMAP in the 001 field to 1 indicates that the 129-plus-192 field is to be expanded, at this time, the 065 field value is not null, and the BITMAP in the 129-plus-192 field is stored in the 065 field, as shown in fig. 5.

An example of a complete POOL file record is shown in fig. 6.

Description of the Domain Format in the POOL File:

a field may be variable length or fixed length, and when of the variable length type, the first character of the field stores the length occupied by the field. When it is fixed length, it does not require the first bit to store the length. For a field of variable length, its length must be specified when used. The data types for each domain include: digital, character, digital domain is compressed during storage.

The invention adopts the 8583 message expansion technology, and replaces the traditional database processing mode by the static text mode of QSAM, thus realizing the purpose of centralized processing of a large number of peripheral files.

In the embodiment of the present invention, step 102 is specifically performed as follows:

judging a data domain range occupied by the clearing transaction information according to a data format in the POOL file;

determining a first BIT value of the BITMAP in the BITMAP field or the expanded BITMAP field according to the range of the data field to be occupied;

and determining to store the clearing transaction information into the POOL file according to the first BIT value of the BITMP in the BITMAP BITMP field or the expanded BITMAP BITMP field.

In the embodiment of the present invention, step 103 is specifically performed as follows:

determining a data field where required clearing transaction information is located according to the BITMAP field or the expanded BITMAP;

acquiring required clearing transaction information from the data field;

and finishing corresponding transaction operation according to the required clearing transaction information to generate a transaction result.

The specific execution program is as follows:

1) decoding subprogram (ISOSET). When a BITMAP record needs to be read from a file, the program can be called to analyze the read record into a variable, and the method is called:

CALL 'ISOSET' USE WORKAREA (COBOL program, WORKAREA is a variable).

2) Obtain threshold value subroutine (ISOGET). When a value of a field needs to be obtained from a variable (WORKCAREA) parsed by the Decode subroutine, the method can be called using the subroutine:

CALL 'ISOGET' USING WORKAREA B131 (acquire 131 domain contents).

The executing program further includes:

3) update field value subroutine (ISOPUT). When a certain domain of the POOL file needs to be updated by using a variable value, the subprogram can be used, the calling is not required to be carried out according to the sequence of the domain numbers from large to small, and the calling method comprises the following steps:

CALL 'ISOPUT' USING WORKAREA B174 (update B174 domain content).

4) A data reorganization sub-routine. Since the previous ISOPUT is unordered, and is typically used before writing to a file, it can arrange the fields in order of sequence number from small to large. And join the HEADER field, call method:

CALL'ISOUPD'USING WORKAREA。

5) the domain processing series subroutine ISOFLDx. For enabling access to a certain domain. It contains description information for a certain domain and possibly some special handling code for this domain.

6) The ISOBASE processes the main control program of each domain information, and realizes specific access to a certain domain by calling the related ISOFLDx subprogram. It also contains generic code for error handling. When the method is used specifically, the ISOBASE program judges which ISOFLDx subprogram is called for processing according to the incoming domain number.

7) The ISODEF parameter file is a specific description of the attributes of each field, such as whether the field is fixed-length or variable-length, and whether the stored data type is numbers or characters. For each domain, it appears as three parts at ISODEF: (a) the number of the field is equivalent to the header information of the field; (b) data format of the domain (variable length or fixed length); (c) the data type of the field (being a character, a number, etc.).

Fig. 7 is a diagram of a multiple POOL file manipulation tool subroutine relationship.

In the embodiment of the present invention, when a certain service scenario is implemented, it is often necessary to copy a previous processing mode or modify a processing architecture, so as to achieve the purpose of integrating the service scenario into the system, for example, a corresponding clearing processing program is newly added to clear a new transaction, and a corresponding report generation program is newly added to generate a corresponding report. This model is highly demanding for developers, requiring developers to see various processing details as they are still needed. Taking a bank card clearing system as an example, a peripheral system has different data interfaces, especially INCOMING data formats of various card organizations are different, and when a certain transaction channel is newly added and supported, an existing clearing mode needs to be reused aiming at the data interface specific to the data, so that transaction data clearing processing aiming at the channel is added.

Based on this, the invention proposes 1) customizing the parameter file before converting the transaction data into the POOL file, and increasing the parameters such as the corresponding transaction code, the transaction type, the report parameter, the differentiation proportion and the like of the corresponding peripheral transaction system. And then converting the transaction data into a POOL file according to the customized parameter file. 2) Setting a transaction operation parameter file, wherein the transaction operation parameters may include a transaction code, a transaction type, a report parameter, a moisturizing proportion and the like corresponding to a peripheral transaction system, and then step 103 is specifically executed according to the following manner:

setting transaction operation parameters;

taking out required clearing transaction information from the POOL file format according to the transaction operation parameters;

Therefore, the newly added transaction can directly participate in the current clearing processing flow through parameterized configuration without modifying the system architecture; and the newly added report is directly generated without newly developing a program through parameterized configuration.

In addition, when generating the POOL file, since the transaction data provided by a plurality of peripheral transaction systems is received, the transaction data can be classified according to different peripheral transaction systems. Or according to different executed transaction operations, merging the transaction data of the same type, and then arranging the transaction data according to different orders of transaction codes or bank card numbers. When the generated POOL file is too large, the POOL file can be divided into a plurality of data files, a plurality of jobs can be processed in parallel, and the batch running time is reduced.

In the embodiment of the present invention, in general, most of the accounting clearing, generating the debit file, generating the business report, and generating the external return data according to the transaction data are in a general format, but some peripheral transaction systems may require a transaction result in a special format, and then, as shown in fig. 8, before sending the transaction result to a corresponding peripheral transaction system (step 104), the method further includes:

step 106: and converting the transaction result into a corresponding format according to a file format required by the peripheral transaction system.

Based on the same inventive concept, the embodiment of the present invention further provides a clearing transaction information processing apparatus, as described in the following embodiments. Because the principle of the clearing transaction information processing device for solving the problems is similar to the clearing transaction information processing method, the implementation of the clearing transaction information processing device can refer to the implementation of the clearing transaction information processing method, and repeated parts are not described again. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.

Fig. 9 is a block diagram of a structure of a clearing transaction information processing apparatus of an embodiment of the present invention, as shown in fig. 9, including:

a clearing transaction information obtaining module 901, configured to obtain clearing transaction information from a peripheral transaction system;

a first format conversion module 902, configured to store the clearing transaction information into a POOL file according to a data format in the POOL file, where the data format in the POOL file is a key value, a BITMAP field and a data field, and a first binary BIT value of a BITMAP in the BITMAP field is used to indicate whether there is data in the corresponding data field;

a transaction operation module 903, configured to obtain required clearing transaction information from the POOL file format, complete a corresponding transaction operation according to the required clearing transaction information, and generate a transaction result;

and a transaction result sending module 904, configured to send the transaction result to a corresponding peripheral transaction system.

This structure will be explained below.

In this embodiment of the present invention, the clearing transaction information obtaining module 901 is specifically configured to:

setting an address, a file storage path and a file name of a peripheral transaction system;

In an embodiment of the present invention, the data format of the clearing transaction information is GAF format or EDC format.

In the embodiment of the present invention, as shown in fig. 10, the method further includes:

a second format conversion module 905, configured to, before storing the clearing transaction information in the POOL file according to the data format in the POOL file, convert the data format of the clearing transaction information into GAF format or EDC format when the data format of the clearing transaction information is not GAF format or EDC format.

In the embodiment of the invention, the POOL file has 192 domains, wherein a 001 domain and a 065 domain represent extended BITMAP domains, a 002 domain-064 domain, a 065 domain-128 domain and a 129 domain-192 domain represent data domains, and the first binary BIT value of the BITMAP in the 001 domain and the 065 domain respectively represents whether the 065 domain-128 domain and the 129 domain-192 domain store data or not.

In the embodiment of the invention, when the first binary BIT value of the BITMAP in the BITMAP field is 0, the BITMAP field without expansion is represented, and the 001 field is a null value;

when the first binary BIT value of the BITMP in the BITMAP BITMP field is set to 1, the extended BITMAP BITMP field is shown, the 001 field value is not null, and the BITMP of the 065-128 field is marked and stored in the 001 field;

when the first binary BIT value of the BITMAP in the 001 field is set to 1, indicating that an extended BITMAP field exists, the 065 field value is not null, and the BITMAP in the 129-192 field is stored in the 065 field.

In this embodiment of the present invention, the first format conversion module 902 is specifically configured to:

In an embodiment of the present invention, the transaction operation module 903 is specifically configured to:

acquiring required clearing transaction information from the data field;

In the embodiment of the present invention, as shown in fig. 11, the method further includes:

a third format conversion module 906, configured to convert the transaction result into a corresponding format according to a file format required by the peripheral transaction system before sending the transaction result to the corresponding peripheral transaction system.

The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the method when executing the computer program.

The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the method.

Based on the same inventive concept, the embodiment of the invention also provides a clearing transaction information processing system, as shown in fig. 12. The clearing transaction information processing system includes: the clearing transaction information processing apparatus, peripheral transaction system(s) described above.

In summary, the clearing transaction information processing method, device and system provided by the invention can be used for clearing, and the following beneficial effects can be obtained:

1. the 8583 message technology is expanded and applied to the POOL file for processing, a database does not need to be installed, the maintenance cost of the database is reduced, and common problems (lock conflict problem, index problem and the like) of the database are avoided.

2. Through modularization and parameterization development, the expandability and maintainability of the system are improved.

3. Compared with an application system using a database, the method reduces intermediate files and reduces system consumption.

4. The requirement on the skills of system developers is relatively low, the development time is shortened, and the development cost is reduced.

5. If the file is too large, the file can be divided into a plurality of data files, a plurality of jobs can be processed in parallel, and the batch running time is reduced.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A clearing transaction information processing method, comprising:

classifying the clearing transaction information according to different peripheral transaction systems; or, according to different executed transaction operations, merging the same type of clearing transaction information, and then arranging the clearing transaction information according to different orders of transaction codes or bank card numbers;

storing the clearing transaction information into a POOL file according to a data format in the POOL file, wherein the data format in the POOL file is a key value, a BITMAP BITMP field and a data field, and a first binary BIT value of the BITMP in the BITMAP BITMP field is used for indicating whether the corresponding data field has data or not; when the generated POOL file is too large, the POOL file is cut into a plurality of data files, a plurality of operations are carried out in parallel, and the batch operation time is reduced;

2. The clearing transaction information processing method of claim 1, wherein acquiring the clearing transaction information from the peripheral transaction system comprises:

3. The clearing transaction information processing method of claim 1, wherein a data format of the clearing transaction information is GAF format or EDC format.

4. The clearing transaction information processing method of claim 3, further comprising, before storing the clearing transaction information in the POOL file according to a data format in the POOL file:

when the data format of the clearing transaction information is not the GAF format or the EDC format, converting the data format of the clearing transaction information into the GAF format or the EDC format.

5. The clearing transaction information processing method of claim 1, wherein the POOL file has 192 fields, 001 field and 065 field representing extended BITMAP field, 002 field-064 field, 065 field-128 field, 129 field-192 field representing data field, and the first binary BIT value of BITMAP in 001 field and 065 field representing whether or not 065 field-128 field and 129 field-192 field store data, respectively.

6. The clearing transaction information processing method of claim 5, wherein when the first binary BIT value of the BITMAP in the BITMAP field is 0, it indicates that there is no expanded BITMAP field, and 001 field is null;

7. The method of claim 6, wherein storing the clearing transaction information in the POOL file according to the data format in the POOL file comprises:

8. The method as claimed in claim 6, wherein the step of acquiring the required clearing transaction information from the POOL file format, and performing the corresponding transaction operation according to the required clearing transaction information to generate the transaction result comprises:

acquiring required clearing transaction information from the data field;

9. The method as claimed in claim 1, wherein the step of acquiring the required clearing transaction information from the POOL file format, and performing the corresponding transaction operation according to the required clearing transaction information to generate the transaction result comprises:

setting transaction operation parameters;

10. The clearing transaction information processing method of claim 1, before sending the transaction result to the corresponding peripheral transaction system, further comprising:

and converting the transaction result into a corresponding format according to a file format required by the peripheral transaction system.

11. A clearing transaction information processing apparatus, comprising:

the first format conversion module is used for storing the clearing transaction information into a POOL file according to a data format in the POOL file, wherein the data format in the POOL file is a key value, a BITMAP BITMP field and a data field, and a first binary BIT value of the BITMP in the BITMAP BITMP field is used for indicating whether data exists in the corresponding data field or not; when the generated POOL file is too large, the POOL file is cut into a plurality of data files, a plurality of operations are carried out in parallel, and the batch operation time is reduced;

12. The clearing transaction information processing apparatus according to claim 11, wherein the clearing transaction information obtaining module is specifically configured to:

13. The clearing transaction information processing apparatus of claim 11, wherein a data format of the clearing transaction information is a GAF format or an EDC format.

14. The clearing transaction information processing apparatus of claim 13, further comprising:

and the second format conversion module is used for converting the data format of the clearing transaction information into the GAF format or the EDC format when the data format of the clearing transaction information is not the GAF format or the EDC format before the clearing transaction information is stored into the POOL file according to the data format in the POOL file.

15. The clearing transaction information processing device of claim 11, wherein the POOL file has 192 fields, 001 field and 065 field representing extended BITMAP field, 002 field-064 field, 065 field-128 field, 129 field-192 field representing data field, and first binary BIT value of BITMAP in 001 field and 065 field representing whether or not 065 field-128 field, 129 field-192 field store data, respectively.

16. The clearing transaction information processing device of claim 15, wherein when the first binary BIT value of the BITMAP in the BITMAP field is 0, indicating that there is no extended BITMAP field, the 001 field is a null value;

17. The clearing transaction information processing apparatus of claim 16, wherein the first format conversion module is specifically configured to:

18. The clearing transaction information processing apparatus of claim 16, wherein the transaction operation module is specifically configured to:

acquiring required clearing transaction information from the data field;

19. The clearing transaction information processing apparatus of claim 11, wherein the transaction operation module is specifically configured to:

setting transaction operation parameters;

20. The clearing transaction information processing apparatus of claim 11, further comprising:

and the third format conversion module is used for converting the transaction result into a corresponding format according to a file format required by the peripheral transaction system before sending the transaction result to the corresponding peripheral transaction system.

21. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the clearing transaction information processing method of any of claims 1 to 10 when executing the computer program.

22. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the clearing transaction information processing method of any one of claims 1 to 10.

23. A clearing transaction information processing system, comprising: the clearing transaction information processing apparatus, peripheral transaction system of any of claims 11-20.