CN110619570B - Cross-bank transfer processing method and device - Google Patents
Cross-bank transfer processing method and device Download PDFInfo
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- CN110619570B CN110619570B CN201910887690.XA CN201910887690A CN110619570B CN 110619570 B CN110619570 B CN 110619570B CN 201910887690 A CN201910887690 A CN 201910887690A CN 110619570 B CN110619570 B CN 110619570B
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention provides a cross-bank transfer processing method, which comprises the following steps: in the current transaction day, when the bank system receives a cross-bank transfer transaction request of a third-party system, recording the transaction state of the transfer transaction corresponding to the cross-bank transfer transaction request as unknown in the bank system, and sending a successful transaction notification message corresponding to the transfer transaction to the third-party system; inquiring whether the cross-bank transfer transaction request is sent to a cross-bank system at regular time, and if the cross-bank transfer transaction request is not sent, recording a reverse accounting flow record in a preset reverse accounting flow water meter; and (4) carrying out difference rolling on all reverse accounting running records in the reverse accounting flow water meter, updating financial information in the bank system according to a difference rolling result, sending the difference rolling result to a third-party system, and triggering the third-party system to update the financial information in the system. By applying the method, the third-party system can receive a clear transaction result on the current working day and complete the accounting settlement and settlement on the current day according to the transaction result.
Description
Technical Field
The invention relates to the technical field of financial settlement, in particular to a method and a device for cross-bank transfer processing.
Background
Remittance is the most frequently used transaction service of users, with the technological progress, when people transfer money, more and more selectable transfer ways exist, and users can select on-line or off-line transfer. When transferring accounts, the user can directly transfer accounts through a bank, and can also transfer accounts across banks through a third-party system. When a user initiates a transaction through a third-party system, the bank uses the cross-bank transfer system to process the cross-bank transfer transaction, and the third-party system usually requires the bank to feed back an explicit result of the transaction on the same day, namely the transaction is successful or failed, so that the third-party system can conveniently count and settle the financial affairs on the same day.
When the third-party system is used for performing cross-bank transfer transaction, a bank needs to call the cross-bank transfer system to process the cross-bank transfer transaction, and the bank system has the situations of transaction correction and account return, and the generated transaction result is usually an undetermined transaction result, for example, the transaction is unknown or the transaction cannot be processed to generate an obvious transaction result, so that the bank system cannot feed back the accurate transaction result to the third-party system on the current day, and the statistics and settlement of the accounts of the third-party system on the current day are influenced.
Disclosure of Invention
In view of the above, the invention provides a method for processing cross-bank account transfer, which can be applied to a banking system, and by applying the method, a clear transaction result can be sent to a third-party system on the current transaction day, so that the third-party system can conveniently count and settle accounts on the day; correspondingly, the invention also provides a cross-bank transfer processing device.
In order to achieve the purpose, the invention provides the following technical scheme:
a method for processing cross-bank transfer, which is applied to a banking system, comprises the following steps:
in the current transaction day, when a cross-bank transfer transaction request sent by a third-party system is received, determining the transaction amount of the transfer transaction corresponding to the cross-bank transfer transaction request, and deducting the transaction amount in the bank system;
sending the cross-bank transfer transaction request to a cross-bank system, and judging whether transaction response information corresponding to the cross-bank transfer transaction request fed back by the cross-bank system is received or not within preset transaction response time;
if the transaction response information is not received within the preset transaction response time, determining the transaction state of the transfer transaction as an unknown transaction state in the bank system, and sending a notification message that the transfer transaction is successful to the third-party system;
sending a query message corresponding to the cross-bank transfer transaction request to the cross-bank system to query whether the cross-bank transfer transaction request is sent to the cross-bank system;
if the cross-bank transfer transaction request is not sent to the cross-bank system, adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter;
if the cross-bank account transfer transaction request is sent to the cross-bank system, judging whether a forward transaction or an remittance transaction corresponding to the account transfer transaction exists at a preset time point of the next transaction day of the current transaction day, and if the forward transaction or the remittance transaction corresponding to the account transfer transaction exists, adding a reverse account flow record corresponding to the account transfer transaction in a pre-established reverse account flow water meter; if the remittance transaction corresponding to the transfer transaction exists, adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter;
and updating the transaction state corresponding to the transfer transaction in the third-party system according to each reverse financial flow record corresponding to the transfer transaction.
The above method, optionally, further includes:
if the transaction response information is received within the preset transaction response time, judging the meaning represented by the transaction response information;
if the transaction response information represents that the transfer transaction is successful, determining the transaction state of the transfer transaction as a transaction success state in the bank system, and sending a notification message that the transfer transaction is successful to the third-party system;
and if the transaction response information represents that the transfer transaction fails, determining the transaction state of the transfer transaction as a transaction failure state in the banking system, and sending a notification message that the transfer transaction fails to be transacted to the third-party system.
The above method, optionally, further includes:
and if the cross-bank transfer transaction request is sent to the cross-bank system, keeping the transaction state of the transfer transaction as a transaction unknown state in the bank system.
The above method, optionally, further includes:
and updating the transaction state corresponding to the transfer transaction in the bank system according to each reverse financial flow record corresponding to the transfer transaction.
Optionally, in the method, the updating the transaction state corresponding to the transfer transaction in the third-party system according to each reverse financial transaction record corresponding to the transfer transaction includes:
performing difference rolling on each reverse financial assembly line record corresponding to the transfer transaction to obtain a difference rolling result;
and updating the transaction state corresponding to the transfer transaction in the third-party system according to the netting result.
A cross-bank transfer processing apparatus applied to a banking system, comprising:
the bank system comprises a first determining unit, a second determining unit and a third party system, wherein the first determining unit is used for determining the transaction amount of the transfer transaction corresponding to a cross-bank transfer transaction request when the cross-bank transfer transaction request sent by the third party system is received within the current transaction day, and deducting the transaction amount in the bank system;
the first judgment unit is used for sending the cross-bank transfer transaction request to a cross-bank system and judging whether transaction response information corresponding to the cross-bank transfer transaction request fed back by the cross-bank system is received or not within preset transaction response time;
a sending unit, configured to determine, in the banking system, a transaction state of the transfer transaction as a transaction unknown state if the transaction response information is not received within a preset transaction response time, and send a notification message that the transfer transaction is successful to the third-party system;
the inquiry unit is used for sending an inquiry message corresponding to the cross-bank transfer transaction request to the cross-bank system so as to inquire whether the cross-bank transfer transaction request is sent to the cross-bank system;
the adding unit is used for adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter if the cross-bank transfer transaction request is not sent to the cross-bank system;
a second determination unit, configured to determine, if the cross-bank transfer transaction request has been sent to the cross-bank system, whether a forward transaction or an remittance transaction corresponding to the transfer transaction exists at a preset time point on a next transaction day of the current transaction day, and if the forward transaction or the remittance transaction corresponding to the transfer transaction exists, add a reverse accounting flow record corresponding to the transfer transaction to a pre-established reverse accounting flow water meter; if the remittance transaction corresponding to the transfer transaction exists, adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter;
and the first updating unit is used for updating the transaction state corresponding to the transfer transaction in the third-party system according to each reverse financial flow record corresponding to the transfer transaction.
The above apparatus, optionally, further comprises:
the third judging unit is used for judging the meaning represented by the transaction response information if the transaction response information is received within the preset transaction response time;
the second determining unit is used for determining the transaction state of the transfer transaction as a transaction success state in the banking system and sending a notification message that the transfer transaction is successful to the third-party system if the transaction response information represents that the transfer transaction is successful;
and the third determining unit is used for determining the transaction state of the transfer transaction as a transaction failure state in the banking system and sending a notification message of the transfer transaction failure to the third-party system if the transaction response information represents that the transfer transaction has failed.
The above apparatus, optionally, further comprises:
and the holding unit is used for holding the transaction state of the transfer transaction in the bank system as a transaction unknown state if the cross-bank transfer transaction request is sent to the cross-bank system.
The above apparatus, optionally, further comprises:
and the second updating unit is used for updating the transaction state corresponding to the transfer transaction in the bank system according to each reverse financial affair flow record corresponding to the transfer transaction.
The above apparatus, optionally, the first updating unit includes:
the offset subunit is used for performing offset on each reverse financial assembly line record corresponding to the transfer transaction to obtain an offset result;
and the updating subunit is used for updating the transaction state corresponding to the transfer transaction in the third-party system according to the netting result.
Compared with the prior art, the invention has the following beneficial effects:
in the method provided by the embodiment of the invention, in the current transaction day, when a bank system receives a cross-bank transfer transaction request of a third-party system, the transaction state of the transfer transaction corresponding to the cross-bank transfer transaction request is recorded in the bank system as unknown, and a notification message of the successful transaction corresponding to the transfer transaction is sent to the third-party system; sending a query message to a cross-bank system at regular time to query whether the cross-bank transfer transaction request reaches the cross-bank system, and if the cross-bank system does not receive the cross-bank transfer transaction request, recording a reverse accounting flow record corresponding to the transfer transaction record in a preset reverse accounting flow water meter; and (4) carrying out difference rolling on all the reverse accounting flow records in the reverse accounting flow water meter, updating financial information in a bank system according to a difference rolling result, sending the difference rolling result to a third-party system, and triggering the third-party system to update the financial information in the system. By applying the method provided by the invention, the third-party system can receive a clear transaction result on the current working day and complete the accounting settlement and settlement on the current day according to the transaction result.
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 embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a flowchart of a method for cross-bank transfer processing according to an embodiment of the present invention;
FIG. 2 is a flowchart of a method for cross-bank transfer processing according to an embodiment of the present invention;
FIG. 3 is a block diagram of an apparatus for cross-bank transfer processing according to an embodiment of the present invention;
fig. 4 is a structural diagram of an electronic device according to 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 this application, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The method provided by the embodiment of the invention can be applied to a bank system, and the execution main body can be a server and a processor in the bank system. The embodiment of the invention provides a cross-bank transfer processing method, wherein a flow chart of the method is shown in figure 1 and specifically described as follows;
s101, in the current transaction day, when a cross-bank transfer transaction request sent by a third-party system is received, determining the transaction amount of the transfer transaction corresponding to the cross-bank transfer transaction request, and deducting the transaction amount in the bank system.
In the method provided by the embodiment of the invention, when a cross-bank transfer transaction request sent by a third-party system is received within the current transaction day, the transaction amount of the transfer transaction corresponding to the cross-bank transfer transaction request is determined, and the transaction amount is deducted in a bank system. It should be noted that the cross-bank transfer transaction request sent by the third-party system may be a request initiated by the user on a server provided by the third-party system; and analyzing the cross-bank transfer transaction request, obtaining a transaction amount corresponding to the transfer transaction corresponding to the cross-bank transfer transaction request, and deducting the transaction amount from an account corresponding to a bank system of a user.
S102, sending the cross-bank transfer transaction request to a cross-bank system, and judging whether transaction response information corresponding to the cross-bank transfer transaction request fed back by the cross-bank system is received or not within preset transaction response time.
In the method provided by the embodiment of the invention, after the cross-bank transfer transaction request is received, the cross-bank transfer transaction request is sent to a cross-bank system in a bank system, and it needs to be noted that the cross-bank system is used for information interaction between the bank system and systems of other banks; judging whether the bank system receives transaction response information which is fed back by the cross-bank system and corresponds to the cross-bank transfer transaction request within preset transaction response time; the transaction response information may be a processing result of the transfer transaction corresponding to the cross-bank transfer transaction request by the cross-bank system.
S103, if the transaction response information is not received within the preset transaction response time, determining the transaction state of the transfer transaction as an unknown transaction state in the bank system, and sending a notification message that the transfer transaction is successful to the third-party system.
In the method provided by the embodiment of the invention, if the transaction response information corresponding to the transfer transaction is not received within the preset transaction response time, the transaction state of the transfer transaction is determined to be an unknown transaction state in the bank system, and the bank system sends the notification information that the transfer transaction is successful to the third-party system. The transaction unknown status may be that the transfer transaction is not processed or is in a processed status.
S104, sending a query message corresponding to the cross-bank transfer transaction request to the cross-bank system to query whether the cross-bank transfer transaction request is sent to the cross-bank system.
In the method provided by the embodiment of the invention, the bank system can send query information to the inter-bank system at regular time, and the query information is used for querying whether the inter-bank system receives the inter-bank transfer transaction request sent by the bank system.
And S105, if the cross-bank transfer transaction request is not sent to the cross-bank system, adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter.
In the method provided by the embodiment of the invention, when the bank system receives the information fed back by the inter-bank system, that is, the inter-bank transfer transaction request is not received, a reverse accounting flow record corresponding to the transfer transaction is added in a pre-established reverse accounting flow water meter, and the reverse accounting flow record is used for representing that the transfer transaction request is not sent to the inter-bank system. It should be noted that the reverse accounting flow table is used for recording the transaction state as an unknown transaction.
S106, if the cross-bank transfer transaction request is sent to the cross-bank system, judging whether a forward transaction or an remittance transaction corresponding to the transfer transaction exists at a preset time point of the next transaction day of the current transaction day, and if the forward transaction or the remittance transaction corresponding to the transfer transaction exists, adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter; and if the remittance transaction corresponding to the transfer transaction exists, adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter.
In the method provided by the embodiment of the invention, when the bank system receives the information fed back by the cross-bank system, namely the cross-bank transfer transaction request is received, whether a forward transaction or a remittance transaction corresponding to the transfer transaction exists is judged at a preset time point of the next transaction day of the current transaction day; it should be noted that when the transfer transaction meets the condition of making a trade for positive payment, the bank system executes a corresponding trade for positive payment aiming at the transfer transaction, and records the executed trade for positive payment; the remittance transaction is the refund condition generated by other bank systems for the transfer transaction, for example, when the payee bank card number provided by the user and the holder information of the payee bank card number are incorrect, the transfer across rows fails, and other bank systems return the transfer amount, namely, the remittance transaction is generated and recorded.
When the orthogonal transaction or the remittance transaction corresponding to the transfer transaction is inquired at the preset time point of the next transaction day of the current transaction day, adding a reverse financial flow record corresponding to the transfer transaction in a pre-established reverse financial flow water meter, wherein the time of the reverse financial flow record is the transaction day of the transfer transaction; adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter, wherein the time of the reverse account flow record is the transaction date of the transfer transaction; for example, if the current transaction date is 2019, 5 and 3, the next transaction date is 2019, 5 and 4, and the reverse accounting flow records added in the reverse accounting flow water meter and corresponding to the account transfer transaction are 2019, 5 and 3.
And S107, updating the transaction state corresponding to the transfer transaction in the third-party system according to each reverse account flow record corresponding to the transfer transaction.
In the method provided by the embodiment of the invention, the transaction state corresponding to the transfer transaction in the third-party system is updated according to each reverse financial flow record corresponding to the transfer transaction in the reverse financial flow water meter. And the third-party system updates the financial information of the third-party system according to the corresponding transaction state.
In the method provided by the embodiment of the invention, by applying the method provided by the embodiment of the invention, the definite processing information of the transfer transaction can be fed back to the third-party system in the current transaction day, so that the third-party system can complete the corresponding financial settlement and settlement in the current transaction day conveniently; when the reverse account flow records exist in the bank system in the transfer transaction, the reverse account flow records are subjected to netting, the final result of the corresponding transfer transaction is obtained, and the final result of the transfer transaction is sent to a third-party system, so that the third-party system updates the financial information of the system according to the final result of the transfer transaction, the customer use experience of the third-party system is further improved, and the work efficiency of the third-party system is improved.
In the method provided by the embodiment of the invention, whether transaction response information corresponding to the cross-bank transfer transaction request fed back by the cross-bank system is received or not is judged within the preset transaction response time, when the corresponding transaction response information is received, the meaning represented by the transaction response time needs to be judged, the specific flow is shown as 2, and the specific description is as follows;
s201, if the transaction response information is received within the preset transaction response time, judging the meaning represented by the transaction response information.
In the method provided by the embodiment of the invention, when the transaction response information corresponding to the transfer transaction is received within the preset transaction response time, the transaction response information is analyzed to obtain the specific content in the transaction response information, and the specific meaning represented by the transaction response information is judged according to the specific content.
S202, if the transaction response information represents that the transfer transaction is successful, determining the transaction state of the transfer transaction as a transaction success state in the bank system, and sending a notification message that the transfer transaction is successful to the third-party system.
In the method provided by the embodiment of the invention, when the transaction information represents that the transfer transaction is successful, the transaction state of the transfer transaction is determined as the successful transaction state in the bank system, and the notification information that the transfer transaction is successful is sent to the third-party system. It should be noted that, if the transaction status of the transfer transaction in the banking system is unknown, the transaction status is updated to be successful.
S203, if the transaction response information represents that the transfer transaction fails, determining the transaction state of the transfer transaction as a transaction failure state in the banking system, and sending a notification message that the transfer transaction fails to the third-party system.
In the method provided by the embodiment of the invention, when the transaction information fed back by the transfer system represents that the transfer transaction fails, the transaction state of the transfer transaction is determined as the transaction failure state in the bank system, and notification information of the transfer transaction failure is sent to the third-party system; so that the third-party system updates the transaction state corresponding to the transfer transaction.
In the method provided by the embodiment of the invention, when judging whether the cross-bank transfer system receives a cross-bank transfer transaction request sent by a bank system or not, and when the cross-bank transfer system has received the cross-bank transfer transaction request sent by the bank system, a transaction state corresponding to the transfer transaction is kept in the bank system as a transaction unknown state, and it needs to be noted that the transaction unknown state is that the transfer transaction is unprocessed or processed. It should be noted that, when a reverse financial affairs flow record corresponding to the transfer transaction exists in the reverse financial state table, the transaction state corresponding to the transfer transaction in the bank system is updated according to each reverse financial affairs flow record corresponding to the transfer transaction.
In the method provided by the embodiment of the invention, when the third-party system updates the financial information in the system, the specific contents are as follows;
performing difference rolling on each reverse financial assembly line record corresponding to the transfer transaction to obtain a difference rolling result;
and updating the transaction state corresponding to the transfer transaction in the third-party system according to the netting result.
In the method provided by the embodiment of the invention, according to a preset difference rolling method, difference rolling is carried out on each reverse financial flow record in the reverse financial flow water meter, a difference rolling result corresponding to the transfer transaction is obtained, financial information in a bank system is updated according to the difference rolling result, and the difference rolling result is sent to a third-party system, so that the third-party system updates the financial information in the system according to the difference rolling result; it should be noted that the difference result may be sent to the third party system in a text manner.
In the method provided by the embodiment of the invention, in the current transaction day, when a bank system receives a cross-bank transfer transaction request of a third-party system, the transaction state of the transfer transaction corresponding to the cross-bank transfer transaction request is recorded in the bank system as unknown, and a notification message of the successful transaction corresponding to the transfer transaction is sent to the third-party system; sending a query message to a cross-bank system at regular time to query whether the cross-bank transfer transaction request reaches the cross-bank system, and if the cross-bank system does not receive the cross-bank transfer transaction request, recording a reverse accounting flow record corresponding to the transfer transaction record in a preset reverse accounting flow water meter; and (4) carrying out difference rolling on all the reverse accounting flow records in the reverse accounting flow water meter, updating financial information in a bank system according to a difference rolling result, sending the difference rolling result to a third-party system, and triggering the third-party system to update the financial information in the system. By applying the method provided by the invention, the third-party system can receive a clear transaction result on the current working day and complete the accounting settlement and settlement on the current day according to the transaction result.
In the method provided by the embodiment of the invention, in the current transaction day, when the user performs cross-bank transfer through a third-party system, a bank system receives a cross-bank transfer transaction request sent by the third-party system, analyzes the cross-bank transfer transaction instruction, and determines the transaction amount corresponding to the transfer transaction of the user in the cross-bank transfer transaction request, namely the transfer amount; and the bank system deducts the corresponding transfer amount from the bank account corresponding to the user. The bank system sends a bank transfer transaction request to a bank-crossing system through a bank-crossing transfer module, and judges whether transaction response information corresponding to the bank-crossing transfer transaction request fed back by the bank-crossing system is received or not within preset transaction response time; it should be noted that the cross bank transfer module is used for information interaction between the banking system and the cross bank system.
And if the transaction response information is not received within the preset transaction response time, determining the transaction state of the transfer transaction as an unknown transaction state in the bank system, and sending notification information that the transfer transaction is successful to the third-party system.
It should be noted that, when the transaction state of the transfer transaction in the bank system is the transaction unknown state, the cross-bank transfer unknown online query processing module is used for querying the cross-bank system and querying whether the cross-bank system receives a cross-bank transfer transaction request; and if the cross-bank system does not receive the cross-bank transfer transaction request, adding a reverse accounting flow record corresponding to the transfer transaction in a pre-established reverse accounting flow water meter. When a cross-bank system receives a cross-bank transfer transaction request, acquiring a record book of the next transaction day of the current transaction day, identifying whether an orthogonal transaction or an remittance transaction corresponding to the transfer transaction exists in the record book by using a cross-bank transfer unknown batch processing module, and if the orthogonal transaction corresponding to the transfer transaction exists, recording a reverse accounting flow record corresponding to the transfer transaction in a reverse accounting flow water meter, wherein the recording time is the transaction day when the transfer transaction occurs; and if the remittance transaction corresponding to the transfer transaction exists, recording a reverse accounting flow record corresponding to the transfer transaction in a reverse accounting flow water meter, wherein the recorded time is the transaction date when the transfer transaction occurs.
If the transaction response information is received within the preset transaction response time, the meaning in the response information is judged, when the transaction is successful, the transaction state of the transfer transaction in the bank system is determined to be a transaction successful state, and a notification message of successful transaction is sent to a third-party system; and when the response information is that the transaction fails, determining the transaction state of the transfer transaction in the banking system as a transaction failure state, and sending a notification message of the transaction failure to the third system.
Performing error rolling on each reverse account flow record corresponding to the transfer transaction in the reverse account flow water meter to obtain an error rolling result corresponding to the transfer transaction, and sending the error rolling result to a third-party system through an account processing module of the bank and the third-party system to trigger the third-party system to update financial information in the system according to the error rolling result; meanwhile, the bank system updates financial records in the system according to the difference result, and the problem of uneven financial affairs in the bank system is avoided.
In the method provided by the embodiment of the invention, by applying the method provided by the embodiment of the invention, a clear transaction result of the transfer transaction can be sent to the third-party system on the current transaction day, so that the account of the third-party system on the current transaction day can be settled conveniently, if the transfer transaction has a corresponding reverse accounting flow record, a netting result of the reverse accounting flow record on the current transaction day is sent to the third-party system on the next transaction day of the current transaction day, and is used for triggering the third-party system to update the financial information in the system according to the netting result, and meanwhile, the bank system updates the financial information in the system according to the netting result. Therefore, the financial accuracy in the third-party system and the bank system is ensured, and the working efficiency of the third-party system is further improved, so that the third-party system can work more conveniently.
Corresponding to fig. 1, the present invention further provides a cross-bank transfer processing device, which is used for supporting an application of the cross-bank transfer processing method provided by the embodiment of the present invention in practice, and a specific structure is shown in fig. 3 and specifically described as follows:
a first determining unit 301, configured to determine, when a cross-bank transfer transaction request sent by a third party system is received within a current transaction day, a transaction amount of a transfer transaction corresponding to the cross-bank transfer transaction request, and deduct the transaction amount in the banking system;
the first judging unit 302 is configured to send the cross-bank transfer transaction request to a cross-bank system, and judge whether transaction response information corresponding to the cross-bank transfer transaction request and fed back by the cross-bank system is received within a preset transaction response time;
a sending unit 303, configured to determine, in the banking system, a transaction state of the transfer transaction as a transaction unknown state if the transaction response information is not received within a preset transaction response time, and send a notification message that the transfer transaction is successful to the third-party system;
an inquiry unit 304, configured to send an inquiry message corresponding to the cross-bank transfer transaction request to the cross-bank system, so as to inquire whether the cross-bank transfer transaction request is sent to the cross-bank system;
an adding unit 305, configured to add a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter if the cross-bank transfer transaction request is not sent to the cross-bank system;
a second determination unit 306, configured to determine whether a forward transaction or an remittance transaction corresponding to the transfer transaction exists at a preset time point on a next transaction day of the current transaction day if the cross-bank transfer transaction request is sent to the cross-bank system, and add a reverse accounting flow record corresponding to the transfer transaction in a pre-established reverse accounting flow water meter if the forward transaction or the remittance transaction corresponding to the transfer transaction exists; if the remittance transaction corresponding to the transfer transaction exists, adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter;
the first updating unit 307 is configured to update a transaction state corresponding to the transfer transaction in the third-party system according to each reverse accounting flow record corresponding to the transfer transaction.
In the device provided by the embodiment of the invention, in the current transaction day, when a bank system receives a cross-bank transfer transaction request of a third-party system, the transaction state of the transfer transaction corresponding to the cross-bank transfer transaction request is recorded in the bank system as unknown, and a notification message of the successful transaction corresponding to the transfer transaction is sent to the third-party system; sending a query message to a cross-bank system at regular time to query whether the cross-bank transfer transaction request reaches the cross-bank system, and if the cross-bank system does not receive the cross-bank transfer transaction request, recording a reverse accounting flow record corresponding to the transfer transaction record in a preset reverse accounting flow water meter; and (4) carrying out difference rolling on all the reverse accounting flow records in the reverse accounting flow water meter, updating financial information in a bank system according to a difference rolling result, sending the difference rolling result to a third-party system, and triggering the third-party system to update the financial information in the system. By applying the device provided by the invention, the third-party system can receive a clear transaction result on the current working day and complete the accounting settlement and settlement on the current day according to the transaction result.
In the apparatus provided in the embodiment of the present invention, the apparatus may further be configured to:
the third judging unit is used for judging the meaning represented by the transaction response information if the transaction response information is received within the preset transaction response time;
the second determining unit is used for determining the transaction state of the transfer transaction as a transaction success state in the banking system and sending a notification message that the transfer transaction is successful to the third-party system if the transaction response information represents that the transfer transaction is successful;
and the third determining unit is used for determining the transaction state of the transfer transaction as a transaction failure state in the banking system and sending a notification message of the transfer transaction failure to the third-party system if the transaction response information represents that the transfer transaction has failed.
In the apparatus provided in the embodiment of the present invention, the apparatus may further be configured to:
and the holding unit is used for holding the transaction state of the transfer transaction in the bank system as a transaction unknown state if the cross-bank transfer transaction request is sent to the cross-bank system.
In the apparatus provided in the embodiment of the present invention, the apparatus may further be configured to:
and the second updating unit is used for updating the transaction state corresponding to the transfer transaction in the bank system according to each reverse financial affair flow record corresponding to the transfer transaction.
In the apparatus provided in the embodiment of the present invention, the first updating unit 307 may be configured to:
the offset subunit is used for performing offset on each reverse financial assembly line record corresponding to the transfer transaction to obtain an offset result;
and the updating subunit is used for updating the transaction state corresponding to the transfer transaction in the third-party system according to the netting result.
An electronic device is provided in an embodiment of the present invention, and the structural diagram thereof is shown in fig. 4, which specifically includes a memory 402 and one or more programs 401, wherein the one or more programs 401 are stored in the memory 402 and configured to be executed by one or more processors 403 to perform the following operations of the one or more programs 401:
in the current transaction day, when a cross-bank transfer transaction request sent by a third-party system is received, determining the transaction amount of the transfer transaction corresponding to the cross-bank transfer transaction request, and deducting the transaction amount in the bank system;
sending the cross-bank transfer transaction request to a cross-bank system, and judging whether transaction response information corresponding to the cross-bank transfer transaction request fed back by the cross-bank system is received or not within preset transaction response time;
if the transaction response information is not received within the preset transaction response time, determining the transaction state of the transfer transaction as an unknown transaction state in the bank system, and sending a notification message that the transfer transaction is successful to the third-party system;
sending a query message corresponding to the cross-bank transfer transaction request to the cross-bank system to query whether the cross-bank transfer transaction request is sent to the cross-bank system;
if the cross-bank transfer transaction request is not sent to the cross-bank system, adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter;
if the cross-bank account transfer transaction request is sent to the cross-bank system, judging whether a forward transaction or an remittance transaction corresponding to the account transfer transaction exists at a preset time point of the next transaction day of the current transaction day, and if the forward transaction or the remittance transaction corresponding to the account transfer transaction exists, adding a reverse account flow record corresponding to the account transfer transaction in a pre-established reverse account flow water meter; if the remittance transaction corresponding to the transfer transaction exists, adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter;
and updating the transaction state corresponding to the transfer transaction in the third-party system according to each reverse financial flow record corresponding to the transfer transaction.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A method for processing cross-bank account transfer is applied to a bank system and comprises the following steps:
in the current transaction day, when a cross-bank transfer transaction request sent by a third-party system is received, determining the transaction amount of the transfer transaction corresponding to the cross-bank transfer transaction request, and deducting the transaction amount in the bank system;
sending the cross-bank transfer transaction request to a cross-bank system, and judging whether transaction response information corresponding to the cross-bank transfer transaction request fed back by the cross-bank system is received or not within preset transaction response time;
if the transaction response information is not received within the preset transaction response time, determining the transaction state of the transfer transaction as an unknown transaction state in the bank system, and sending a notification message that the transfer transaction is successful to the third-party system;
sending a query message corresponding to the cross-bank transfer transaction request to the cross-bank system to query whether the cross-bank transfer transaction request is sent to the cross-bank system;
if the cross-bank transfer transaction request is not sent to the cross-bank system, adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter;
if the cross-bank account transfer transaction request is sent to the cross-bank system, judging whether a forward transaction or an remittance transaction corresponding to the account transfer transaction exists at a preset time point of the next transaction day of the current transaction day, and if the forward transaction or the remittance transaction corresponding to the account transfer transaction exists, adding a reverse account flow record corresponding to the account transfer transaction in a pre-established reverse account flow water meter; if the remittance transaction corresponding to the transfer transaction exists, adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter;
and updating the transaction state corresponding to the transfer transaction in the third-party system according to each reverse financial flow record corresponding to the transfer transaction.
2. The method of claim 1, further comprising:
if the transaction response information is received within the preset transaction response time, judging the meaning represented by the transaction response information;
if the transaction response information represents that the transfer transaction is successful, determining the transaction state of the transfer transaction as a transaction success state in the bank system, and sending a notification message that the transfer transaction is successful to the third-party system;
and if the transaction response information represents that the transfer transaction fails, determining the transaction state of the transfer transaction as a transaction failure state in the banking system, and sending a notification message that the transfer transaction fails to be transacted to the third-party system.
3. The method of claim 1, further comprising:
and if the cross-bank transfer transaction request is sent to the cross-bank system, keeping the transaction state of the transfer transaction as a transaction unknown state in the bank system.
4. The method of claim 1, further comprising:
and updating the transaction state corresponding to the transfer transaction in the bank system according to each reverse financial flow record corresponding to the transfer transaction.
5. The method of claim 1, wherein updating the transaction status in the third-party system corresponding to the transfer transaction based on each reverse accounting flow record corresponding to the transfer transaction comprises:
performing difference rolling on each reverse financial assembly line record corresponding to the transfer transaction to obtain a difference rolling result;
and updating the transaction state corresponding to the transfer transaction in the third-party system according to the netting result.
6. A cross-bank transfer processing apparatus for use in a banking system, comprising:
the bank system comprises a first determining unit, a second determining unit and a third party system, wherein the first determining unit is used for determining the transaction amount of the transfer transaction corresponding to a cross-bank transfer transaction request when the cross-bank transfer transaction request sent by the third party system is received within the current transaction day, and deducting the transaction amount in the bank system;
the first judgment unit is used for sending the cross-bank transfer transaction request to a cross-bank system and judging whether transaction response information corresponding to the cross-bank transfer transaction request fed back by the cross-bank system is received or not within preset transaction response time;
a sending unit, configured to determine, in the banking system, a transaction state of the transfer transaction as a transaction unknown state if the transaction response information is not received within a preset transaction response time, and send a notification message that the transfer transaction is successful to the third-party system;
the inquiry unit is used for sending an inquiry message corresponding to the cross-bank transfer transaction request to the cross-bank system so as to inquire whether the cross-bank transfer transaction request is sent to the cross-bank system;
the adding unit is used for adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter if the cross-bank transfer transaction request is not sent to the cross-bank system;
a second determination unit, configured to determine, if the cross-bank transfer transaction request has been sent to the cross-bank system, whether a forward transaction or an remittance transaction corresponding to the transfer transaction exists at a preset time point on a next transaction day of the current transaction day, and if the forward transaction or the remittance transaction corresponding to the transfer transaction exists, add a reverse accounting flow record corresponding to the transfer transaction to a pre-established reverse accounting flow water meter; if the remittance transaction corresponding to the transfer transaction exists, adding a reverse account flow record corresponding to the transfer transaction in a pre-established reverse account flow water meter;
and the first updating unit is used for updating the transaction state corresponding to the transfer transaction in the third-party system according to each reverse financial flow record corresponding to the transfer transaction.
7. The apparatus of claim 6, further comprising:
the third judging unit is used for judging the meaning represented by the transaction response information if the transaction response information is received within the preset transaction response time;
the second determining unit is used for determining the transaction state of the transfer transaction as a transaction success state in the banking system and sending a notification message that the transfer transaction is successful to the third-party system if the transaction response information represents that the transfer transaction is successful;
and the third determining unit is used for determining the transaction state of the transfer transaction as a transaction failure state in the banking system and sending a notification message of the transfer transaction failure to the third-party system if the transaction response information represents that the transfer transaction has failed.
8. The apparatus of claim 6, further comprising:
and the holding unit is used for holding the transaction state of the transfer transaction in the bank system as a transaction unknown state if the cross-bank transfer transaction request is sent to the cross-bank system.
9. The apparatus of claim 6, further comprising:
and the second updating unit is used for updating the transaction state corresponding to the transfer transaction in the bank system according to each reverse financial affair flow record corresponding to the transfer transaction.
10. The apparatus of claim 6, wherein the first updating unit comprises:
the offset subunit is used for performing offset on each reverse financial assembly line record corresponding to the transfer transaction to obtain an offset result;
and the updating subunit is used for updating the transaction state corresponding to the transfer transaction in the third-party system according to the netting result.
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| CN115150296A (en) * | 2022-07-12 | 2022-10-04 | 中国银行股份有限公司 | Method and device for processing message by bank system |
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| CN105279693A (en) * | 2015-11-13 | 2016-01-27 | 中国建设银行股份有限公司 | Method for maintaining interbank transaction accounting consistency and system thereof |
| CN105447757A (en) * | 2015-11-20 | 2016-03-30 | 中国建设银行股份有限公司 | Method and system for keeping consistency of transaction information |
| CN106097092A (en) * | 2016-06-07 | 2016-11-09 | 中国建设银行股份有限公司 | Data processing method and device for reconciliation |
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| KR101610250B1 (en) * | 2011-04-06 | 2016-04-07 | 주식회사 케이티 | Method, mobile terminal and system for providing data transmission and financial transaction based on the position of mobile terminals having near field communication function |
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| CN105279693A (en) * | 2015-11-13 | 2016-01-27 | 中国建设银行股份有限公司 | Method for maintaining interbank transaction accounting consistency and system thereof |
| CN105447757A (en) * | 2015-11-20 | 2016-03-30 | 中国建设银行股份有限公司 | Method and system for keeping consistency of transaction information |
| CN106097092A (en) * | 2016-06-07 | 2016-11-09 | 中国建设银行股份有限公司 | Data processing method and device for reconciliation |
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