CN112381633A - Financial clearing and settlement system - Google Patents
Financial clearing and settlement system Download PDFInfo
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- CN112381633A CN112381633A CN202011287229.XA CN202011287229A CN112381633A CN 112381633 A CN112381633 A CN 112381633A CN 202011287229 A CN202011287229 A CN 202011287229A CN 112381633 A CN112381633 A CN 112381633A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The invention relates to the field of financial settlement systems, and particularly discloses a financial clearing and settlement system which comprises an account subsystem, a clearing subsystem, a settlement subsystem, a report subsystem, a service distribution system and a terminal management system, wherein the account subsystem is used for receiving a financial transaction request; the account subsystem is used for providing basic data of accounting and business reconciliation; the clearing and distributing subsystem is used for completing the distribution of benefits according to the platform benefit distribution rule; the settlement subsystem is used for completing the actions of adding coins and subtracting coins in the account; the report subsystem is used for checking bills and generating financial reports; the business distribution system is used for finishing abstract modeling of business and business parties, and the modeling comprises five data models which are a business type module, a business parameter module, a business role module, a business distribution proportion module and a business distribution scheme module respectively. The invention solves the problems that the traditional settlement system has complicated operation and poor capability of adapting to different schemes, which causes low working efficiency.
Description
Technical Field
The disclosure relates to the field of financial settlement systems, in particular to a financial clearing and settlement system.
Background
Under the large environment of the vigorous development of global economy, innovation in the financial field advances with time, and new financial management tools greatly promote the change of financial management concepts and financial management modes, along with the appearance and development of internet finance, the online investment and financing requirements of people are more and more intense, on one hand, the financial management modes are developed from the previous savings and financing to diversified and specialized directions, the network marketing is taken as a main part, users are analyzed and quantified by using technologies such as big data and the like, the user requirements and preferences are accurately positioned, and the fusion degree of information technology and services is increased.
In the construction of a traditional Internet platform clearing and settlement system, the constructed system is only suitable for a current platform and a business mode. If the platform is changed in business policy or the business interest party is changed, the system needs to be upgraded to adapt to new business requirements, the operation is complex, the capability of adapting to different schemes is poor, and the working efficiency is low.
Disclosure of Invention
The invention aims to provide a financial clearing and settlement system, which is used for solving the problems of low working efficiency caused by complicated operation and poor capability of adapting to different schemes of the traditional settlement system.
In order to achieve the aim, the basic scheme of the invention provides a financial clearing and settlement system, which comprises an account subsystem, a clearing subsystem, a settlement subsystem, a report subsystem, a service distribution system and a terminal management system, wherein the account subsystem is used for receiving a financial transaction request;
the account subsystem is used for providing basic data of accounting and business reconciliation;
the clearing and distributing subsystem is used for completing the distribution of benefits according to the platform benefit distribution rule;
the settlement subsystem is used for completing the actions of adding coins and subtracting coins in the account;
the report subsystem is used for checking bills and generating financial reports;
the business distribution system is used for finishing abstract modeling of business and business parties, and the modeling comprises five data models which are a business type module, a business parameter module, a business role module, a business distribution proportion module and a business distribution scheme module respectively.
Preferably, the financial clearing and settlement system follows a layered architecture developed by J2EE technical system specification, and comprises an access layer, an interface layer, a service layer, a data storage layer and an operation environment layer from top to bottom:
the access layer comprises a merchant end and a plurality of service platforms;
the interface layer is Apl GateWay;
the service layer comprises business services, basic services and basic service middleware;
the data storage layer comprises an order database, an account database, a fund database, a service database, a user database, an object storage and Redis;
the operation environment layer is an ECS cloud host.
Preferably, in the service layer, a Dubbo-based RPC framework is adopted, and Zookeeper is selected as a service discovery center to realize a service cluster.
Preferably, the business service includes 5 sub-services, which are a business allocation service, an account service, a credit clearing service, a settlement service, and a report service.
Preferably, the base layer services are divided into user services, message services and encryption and decryption services.
Preferably, the business platform is used for counting order data from the merchant and generating order snapshots.
Preferably, the service type module includes a service name, a service parameter and a service role, and can set a plurality of service types, and the service parameter module is a component of the service type module and is a charge sub-item included in the service.
Preferably, the business role module is an individual or a company which actually participates in the business and provides business services and products.
Preferably, the service distribution proportion module is used for setting the proportion of the service role distributed under the service parameters.
Preferably, the service distribution scheme module can store a plurality of service parameters into one service distribution scheme, and the service distribution scheme can set the version and the effective date and is automatically implemented according to the scheme in the effective period of the design.
1. The financial system comprises the functions of clearing, clearing and settling accounts, has special data models and algorithm design, can realize flexible configuration of different industries, and can adapt to clearing and settling requirements of various industries and various scenes without upgrading the system.
2. By the system, the business scheme can be freely configured according to the business development condition of the company, so that the business operation policy of the company can be flexible and changeable, and new business can be rapidly developed. The service interest side can quickly and accurately calculate and obtain the interest share of the service with the help of the system, and the problem that the traditional settlement system is complex in operation and poor in capability of adapting to different schemes, so that the working efficiency is low is solved.
Drawings
FIG. 1 is a diagram of an application architecture of a financial clearing and settlement system of the present invention;
FIG. 2 is a system architecture diagram of an embodiment of a financial clearing and settlement system of the present invention;
FIG. 3 is a flow chart of an embodiment of the financial clearing settlement system of the present invention.
Detailed Description
The following is further detailed by the specific embodiments:
example (b):
as shown in fig. 1, a financial clearing and settling system comprises an account subsystem, a clearing subsystem, a settling subsystem, a statement subsystem, and a service distribution system 5.
The account subsystem establishes a set of individual accounts according to accounting rules, records the running water and balance of the accounts, provides accounting and provides basic data of business reconciliation.
The counting subsystem is a system for realizing system accounting, splits each order money according to the platform benefit distribution rule, and records the money under the account of the related interest party to complete the benefit distribution.
The settlement subsystem collects the accounts recorded by the counting subsystem according to a certain period and completes the actions of adding coins and subtracting coins in the account according to the collected result.
The report subsystem is used for checking bills and generating financial reports.
The business distribution system is the core invention system of the system, the system carries out abstract modeling on the actual business and business parties, and the model comprises 5 modules of a business parameter module, a business role, a distribution proportion and a business distribution scheme module. Through the combination of the 5 modules, the capability of the system to be compatible with each service scene is realized.
The key point of the invention is a specially designed service distribution system which can carry out the configuration of service distribution.
In the service distribution system, a service parameter module, a service role module, a service distribution proportion module and 5 data models of the service distribution scheme module are designed.
A service parameter module: the service parameter module comprises a service name, a service parameter module and a service role module, and the system can be provided with a plurality of service parameter modules. For example: ceramic tile sales business.
A service parameter module: the service parameter module is a component of the service parameter module, and is a cost sub item contained in a service, and taking the tile sale service as an example, the service comprises tile cost, paving cost, cement sand stone cost, transportation cost, marketing promotion cost, technical service cost and the like.
A service role module: the business role module is an individual or a company which actually participates in business and provides business services and products. Taking ceramic tile sales as an example, the ceramic tile sales include ceramic tile dealers, cement sand stone building material dealers, ceramic tile paving workers, logistics distribution companies, online mall operation companies and the like.
The service distribution proportion module: and setting the proportion of the business roles distributed under the business parameters. Taking the sale of ceramic tiles as an example, the following proportions can be configured:
a service distribution scheme module: a plurality of service parameter modules can be stored into a service distribution scheme module, the service distribution scheme module can set the version and the effective date, and the system is automatically implemented according to the scheme in the effective period of the design.
The system architecture of the invention is as follows:
the system is developed according to J2EE technical system specifications, adopts a layered architecture design, and comprises an access layer, an interface layer, a service layer, a data storage layer and an operation environment layer from top to bottom as shown in FIG. 2:
the access layer comprises a merchant terminal and a plurality of service platforms, and the service platforms are used for counting order data from the merchant terminal and generating order snapshots; the interface layer is Apl GateWay; the service layer comprises business services, basic services and basic service middleware; the data storage layer comprises an order database, an account database, a fund database, a service database, a user database, an object storage and Redis; the operation environment layer is an ECS cloud host.
In the service layer, an RPC frame based on Dubbo is adopted, Zookeeper is selected as a service discovery center to realize a service cluster, and in the service division of the service layer, the service and the basic service are divided according to the service attribute of the service. The business service is divided into 5 sub-services according to the design of a financial system, wherein the sub-services are respectively a business distribution service, an account service, a clearing service, a settlement service and a report service. The basic layer service is divided into user service, message service and encryption and decryption service.
The system is used as follows: as shown in figure 3 of the drawings,
1. the merchant initiates the order and completes the transaction.
2. After the order is completed, the order begins to enter the financial system for processing.
3. And the business distribution system calculates the order distribution according to the policy parameters and calculates the account-dividing proportion and the account-dividing proportion of each interest party of the order. And the order sorting subsystem sorts the orders according to the sorting proportion and the sorting proportion.
4. The scoring results are recorded into the accounts of the various stakeholders by the account subsystem.
5. And finally, the settlement subsystem performs capital settlement, and finally pays the money through a payment bank.
The financial system comprises the functions of clearing, clearing and settling accounts, has special data models and algorithm design, can realize flexible configuration of different industries, and can adapt to clearing and settling requirements of various industries and various scenes without upgrading the system.
The foregoing is merely an example of the present invention and common general knowledge of known specific structures and features of the embodiments is not described herein in any greater detail. It should be noted that, for those skilled in the art, without departing from the structure of the present invention, several changes and modifications can be made, which should also be regarded as the protection scope of the present invention, and these will not affect the effect of the implementation of the present invention and the practicability of the patent. The scope of the claims of the present application shall be defined by the claims and the description of the embodiments and the like in the specification shall be used to explain the contents of the claims.
Claims (10)
1. A financial clearing and settlement system is characterized by comprising an account subsystem, a clearing and settlement subsystem, a statement subsystem, a service distribution system and a terminal management system;
the account subsystem is used for providing basic data of accounting and business reconciliation;
the clearing and distributing subsystem is used for completing the distribution of benefits according to the platform benefit distribution rule;
the settlement subsystem is used for completing the actions of adding coins and subtracting coins in the account;
the report subsystem is used for checking bills and generating financial reports;
the business distribution system is used for finishing abstract modeling of business and business parties, and the modeling comprises five data models which are a business type module, a business parameter module, a business role module, a business distribution proportion module and a business distribution scheme module respectively.
2. A financial clearing and settlement system according to claim 1 wherein: the financial clearing and settlement system follows the layered architecture developed by the J2EE technical system specification, and comprises an access layer, an interface layer, a service layer, a data storage layer and an operation environment layer from top to bottom:
the access layer comprises a merchant end and a plurality of service platforms;
the interface layer is Apl GateWay;
the service layer comprises business services, basic services and basic service middleware;
the data storage layer comprises an order database, an account database, a fund database, a service database, a user database, an object storage and Redis;
the operation environment layer is an ECS cloud host.
3. A financial clearing and settlement system according to claim 2 wherein: in the service layer, an RPC frame based on Dubbo is adopted, and Zookeeper is selected as a service discovery center to realize a service cluster.
4. A financial clearing and settlement system according to claim 3 wherein: the business service comprises 5 sub-services, namely a business distribution service, an account service, a credit clearing service, a settlement service and a report service.
5. A financial clearing and settlement system according to claim 4 wherein: the basic layer services are divided into user services, message services and encryption and decryption services.
6. A financial clearing and settlement system according to claim 5 wherein: and the business platform is used for counting order data from the merchant terminal and generating order snapshots.
7. A financial clearing and settlement system according to claim 1 or 6 wherein: the service type module comprises a service name, service parameters and a service role, a plurality of service types can be set, and the service parameter module is a component of the service type module and is a charge sub item contained in the service.
8. A financial clearing and settlement system according to claim 7 wherein: the business role module is an individual or a company which actually participates in business and provides business services and products.
9. A financial clearing and settlement system according to claim 8 wherein: the service distribution proportion module is used for setting the proportion of the service roles distributed under the service parameters.
10. A financial clearing and settlement system according to claim 9 wherein: the business distribution scheme module can store a plurality of business parameters into a business distribution scheme, the business distribution scheme can set the version and the effective date, and the business distribution scheme is automatically implemented according to the scheme in the effective period of the design.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011287229.XA CN112381633A (en) | 2020-11-17 | 2020-11-17 | Financial clearing and settlement system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202011287229.XA CN112381633A (en) | 2020-11-17 | 2020-11-17 | Financial clearing and settlement system |
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| CN112381633A true CN112381633A (en) | 2021-02-19 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115379007A (en) * | 2022-10-27 | 2022-11-22 | 云账户技术(天津)有限公司 | Bill verification method, device, equipment and storage medium based on SaaS |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101261701A (en) * | 2008-02-15 | 2008-09-10 | 上海申通轨道交通研究咨询有限公司 | Score settlement system and method for track transportation tick business |
| CN108520405A (en) * | 2018-02-05 | 2018-09-11 | 北京科东电力控制系统有限责任公司 | A kind of electric vehicle payment score-clearing system based on micro services |
| CN111027952A (en) * | 2019-11-20 | 2020-04-17 | 国网电力科学研究院有限公司 | Unified payment system and method supporting intelligent energy service |
-
2020
- 2020-11-17 CN CN202011287229.XA patent/CN112381633A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101261701A (en) * | 2008-02-15 | 2008-09-10 | 上海申通轨道交通研究咨询有限公司 | Score settlement system and method for track transportation tick business |
| CN108520405A (en) * | 2018-02-05 | 2018-09-11 | 北京科东电力控制系统有限责任公司 | A kind of electric vehicle payment score-clearing system based on micro services |
| CN111027952A (en) * | 2019-11-20 | 2020-04-17 | 国网电力科学研究院有限公司 | Unified payment system and method supporting intelligent energy service |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115379007A (en) * | 2022-10-27 | 2022-11-22 | 云账户技术(天津)有限公司 | Bill verification method, device, equipment and storage medium based on SaaS |
| CN115379007B (en) * | 2022-10-27 | 2023-04-07 | 云账户技术(天津)有限公司 | Bill verification method, device, equipment and storage medium based on SaaS |
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