CA2993086A1

CA2993086A1 - Interbank clearing method and system

Info

Publication number: CA2993086A1
Application number: CA2993086A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Anticipated expiration: 2035-07-21
Also published as: CA2993086C; WO2017012054A1

Abstract

An interbank clearing method, comprising: acquiring data of multiple electronic certificates to be cleared within a first preset time, where the data comprises first data and second data, the first data corresponds to a first bank server, and the second data corresponds to a second bank server (102); utilizing the first data and the second data to produce a reconciliation file, where the reconciliation file comprises a total clearing amount (104); transmitting the reconciliation file to the first bank server and the second bank server, thus allowing the first bank server and the second bank server to respectively verify the reconciliation file and return verification information (106); when the verification information is received, utilizing the reconciliation file to produce a clearing packet (108); and transmitting the clearing packet to the first bank server, thus allowing the first bank server to transfer the total clearing amount to the second bank server on the basis of the clearing report (110). Also provided are an interbank clearing system, an interbank clearing server, and a nonvolatile computer storage medium.

Description

Title: Interbank Clearing Method And System [1] [Technical Field]

[2] The present invention relates to the field of computer technology, and in particular, to an inter-bank settlement method and system.

[3] [Background Technology]

[4] With the development of E-commerce, many emerging internet payment methods have also appeared in the convenience and security of online payment. Payment through electronic certificate is one of the ways. The bank that usually pays the bank and the recipient of the electronic certificate is not necessarily the same bank. When different banks directly pay for a single electronic certificate in real time, they will incur handling charges. If they pay in real time for a large number of electronic certificates, they will incur huge fees. How to overcome a large number of electronic certificate interbank payment has become a technical problem which is urgently needed to be solved.

[5] [Summary of the Invention]

[6] Based on this, it is necessary to provide a cross-bank liquidation method and system that can effectively save the cross - line payment for electronic certificate.

[7] An inter-bank settlement method, the method including:

[8] Acquiring data of a plurality of electronic certificates to be cleared within a first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to second bank server;

[9] Using the first data and the second data to generate the reconciliation file, the reconciliation document includes the total amount of settlement;

[10] The reconciliation file is delivered to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation file and return the confirmation information;

[11] After receiving the confirmation information, generating a clearing message by using the reconciliation file;

[12] The liquidation message is delivered to the first bank server, so that the first bank server transfers the total settlement amount to the second bank server according to the settlement message.

[13] An inter-bank settlement method applied to a first bank server, the method including:

[14] The first data of the first electronic certificate is delivered in real time to the clearing server, so that after receiving the second data of the second electronic certificate delivered by the second bank server, according to the first data of the first preset time, the first data of the first certificate to be cleared and the second data of the second electronic certificate to be cleared to generate the reconciliation documents;

[15] Receiving the reconciliation document delivered by the clearing server, including the total amount of settlement in the account statement;

[16] Judging whether the reconciliation file is consistent with the pre-stored second data of the second electronic certificate to be cleared within the first preset time and the first data of the first electronic certificate to be cleared;

[17] If yes, return confirmation information to the clearing server, so that the clearing server generates clearing information by using the reconciliation file after receiving the confirmation information;

[18] Receive the clearing information delivered by the clearing server;

[19] The total settlement amount is transferred to the second bank server according to the settlement information.

[20] An inter-bank settlement method applied to a second bank server, the method including:

[21] Deliver the second data of the second electronic certificate to the clearing server in real time, so that after receiving the first data of the first electronic certificate delivered by the first bank server, the clearing server determines, according to the first data of the first preset time, the first data of the first certificate to be cleared and the second data of the second electronic certificate to be cleared to generate the reconciliation documents;

[22] Receiving the reconciliation document delivered by the clearing server, including the total amount of settlement in the account statement;

[23] Judging whether the reconciliation file is consistent with the pre-stored first data of the first electronic certificate to be cleared within the first preset time and the second data of the second electronic certificate to be cleared;

[24] If yes, return confirmation information to the clearing server, so that the clearing server generates clearing information by using the reconciliation file after receiving the confirmation information;

[25] Receive the clearing information delivered by the clearing server;

[26] Receive the total settlement amount transferred by the first bank server according to the settlement message;

[27] The received total amount of the liquidation is transferred to the second business liquidation account, and the second business liquidation account is utilized to separately transfer the amounts corresponding to the plurality of first electronic certificates to the corresponding business documents according to the reconciliation documents in the account.

[28] An inter-bank clearing system, the system including:

[29] A first bank server is used to deliver the first data of the first electronic certificate to the liquidation server in real time;

[30] A second bank server is used to deliver the second data of the second electronic certificate to the liquidation server in real time;

[31] The settlement server is used to receive the first data and the second data, and according to the first data of the first preset time, the first data of the first certificate and the second data of the second electronic certificate to be cleared to generate the reconciliation document, where the reconciliation file includes a total settlement amount, and separately delivers the reconciliation file to the first bank server and the second bank server;

[32] The first bank server is also used to confirm the reconciliation file and return first confirmation information to the settlement server;

[33] The second bank server is also used to confirm the reconciliation file and return second confirmation information to the settlement server;

[34] The settlement server is also used to: after receiving the first confirmation information and the second confirmation information, generate a settlement message by using the reconciliation file, and deliver the settlement message to the a first bank server and a second bank server;

[35] The first bank server is also used to transfer the total settlement amount to the second bank server according to the clearing information.

[36] An inter-bank clearing server, the server including a processor and a non-volatile storage medium, where instructions are stored therein, and when executed by the processor, the non-volatile storage medium may enable the processor performs the following steps:

[37] Acquiring data the data of multiple clearing electronic certificate in the first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to second bank server;

[38] Using the first data and the second data to generate the reconciliation file, the reconciliation document includes the total amount of settlement;

[39] The reconciliation file is delivered to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation file and return the confirmation information;

[40] After receiving the confirmation information, generating a clearing message by using the reconciliation file;

[41] The liquidation information is delivered to the first bank server, so that the first bank server transfers the total settlement amount to the second bank server according to the settlement message.

[42] A non-transitory computer storage medium including computer-executable instructions for performing an inter-bank settlement method, the method comprising the steps of:

[43] Acquiring data the data of multiple clearing electronic certificate in the first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to second bank server;

[44] Using the first data and the second data to generate the reconciliation file, the reconciliation document includes the total amount of settlement;

[45] The reconciliation file is delivered to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation file and return the confirmation information;

[46] After receiving the confirmation information, generating a clearing message by using the reconciliation file;

[47] The liquidation information is delivered to the first bank server, so that the first bank server transfers the total settlement amount to the second bank server according to the settlement message.

[48] In the above-mentioned inter-bank settlement method, system, server and medium, since the electronic certificate is to be cleared within the first preset time, the first data of the electronic certificate of the first bank server is used to communicate with the second bank server's electronic certificate. The second data generates a reconciliation file, and the reconciliation file includes the total liquidation amount of the electronic certificate that the first bank server needs to transfer to the second bank server. After the first bank server and the second bank server respectively return confirmation information according to the reconciliation file, clearing information is generated according to the reconciliation file, so that after receiving the clearing information, the first bank server can, according to the total settlement amount, pay to the second bank server. As a result, it is possible to carry out inter-bank liquidation of batch electronic certificates in the first preset time, effectively saving the inter-bank payment fee, and overcoming the problem that a large number of single electronic certificates require a high commission in real-time interbank payment.

[49] [Brief Description]

[50] In order to specifically illustrate the examples of the invention or the technical solutions in the current technology, the following drawings, which are to be used in the description of the examples or the current technology, will be briefly described, and it will be apparent that the following accompanying drawings, which are merely exemplary of the invention, may be made by those of ordinary skill in the art in view of the accompanying drawings, in which the drawings of other examples may be obtained without departing from the inventive work.

[51] Figure 1 is a flowchart of an inter-bank settlement method in one example.

[52] Figure 2 is a flowchart of an inter-bank settlement method in another example.

[53] Figure 3 is a flowchart of an inter-bank settlement method in third example.

[54] Figure 4 is a structural diagram of an inter-bank clearing system in an example;

[55] Figure 5 is a schematic structural diagram of an inter-bank clearing server in an example.

[56] [Description of the Preferred Examples]

[57] In one example, as shown in Figure 1, an inter-bank settlement method is provided. It should be understood that although the steps in the flowchart of Figure 1 are sequentially displayed as indicated by the arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. Unless clearly stated herein, the execution of these steps is not strictly restrictive and may be performed in other order.
Moreover, at least a portion of the steps in Figure 1 may include a plurality of sub-steps or stages that are not necessarily executed at the same time, but may be executed at different times, and the order of execution is not necessarily in turn, but may be carried out alternately or alternately with at least a portion of the steps or stages of the other steps or other steps.
Taking the method applied to a clearing server as an example, the method specifically includes:

[58] Step 102: Acquiring data the data of multiple clearing electronic certificates in the first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to second bank server.

[59] Electronic certificate can be used for payment as well as payment. The solution pay is to meet the settlement conditions will be frozen in the electronic certificate after the unfreezing and payment. Electronic certificate can have a variety of states, including pending certification, pending performance, pending application for solution pay, pending solution pay, pending liquidation, pending entry, completed and so on.
Wherein, the liquidation to be cleared refers to the issuance of an electronic certificate bank (referred to as the issuing bank) has been implemented solution payment and the electronic certificate funds transferred to the Bank's electronic certificate business liquidation account. The data of the electronic certificate (i.e., the first data and the second data) that the clearing server needs to call includes the status, amount, and number of the electronic certificate. In this example, the electronic certificate whose status is to be cleared needs to be filtered according to the data of the electronic certificate.

[60] The first electronic certificate is the first electronic bank opened and used as a payment bank. The second bank receives and acts as a type of electronic certificate for the receiving bank. The second electronic certificate is a type of electronic certificate that the second bank opens and acts as the payment bank and the first bank receives and acts as the receiving bank. The first bank corresponds to the first bank server, and the second bank corresponds to the second bank server. The first data is data that the first bank server operates on the first electronic certificate. The second data is data that the second bank server operates on the second electronic certificate. When the first bank server actively updates the first data corresponding to the first electronic certificate, the first bank server also delivers the first data to the clearing server and the second bank server in real time.
The first data of the first electronic certificate can be stored at the same time in the first bank server and the second bank server. When the second bank server actively updates the second data corresponding to the second electronic certificate, the second bank server also delivers the second data to the clearing server and the first bank server in real time So that the second data of the second electronic certificate may be stored in the first bank server and the second bank server at the same time.

[61] Step 104: Use the first data and the second data to generate a reconciliation file, including the total amount of the settlement and the number of the clearing electronic certificate.

[62] The first bank server transmits the first data of the plurality of first electronic certificates to the clearing server in real time. The second bank server transmits the second data of the multiple second electronic certificates to the clearing server in real time.
The clearing server collects the first data and the second data in the first preset time to perform the summarization and roll-gap processing, and generates the reconciliation file between the first bank server and the second bank server according to the processed result, including the settlement total amount, the number of electronic certificate to be cleared and so on.

[63] The first preset time may be one processing cycle of the bank reconciliation clearing process. For example, the bank conducts reconciliation and liquidation in the day of T (i.e.
the trading day). The day cut point is the last node on the T day and the next T day. If the daily cut point is 16:00 each day, the electronic certificate settled after 16:00 will be processed in the next processing cycle. On June 30 16: 00 will be on June 29 16: 00 to June 30 before 16:00 to be cleared of electronic certificate for centralized liquidation.

[64] The rolling difference refers to the transaction information of electronic certificate on the day after the daily business terminal according to the received electronic certificate transaction information within T days after the end of daily business, and the amount of funds required to be cleared by each bank is obtained. Adopt a clearing way of net rolling for electronic certificate. That is, in the settlement of electronic certificate, only the net amount of the accounts receivable and the accounts payable should be calculated after the liquidation of each bank. In other words, each bank may have tens of thousands of electronic certificate transactions need to pay and receive funds, but does not need to be paid immediately to each electronic certificate, It is only necessary to calculate the total difference between the liquidated electronic certificate in the first preset period and the sum of the total balance of the payment by the difference bank. For example, the total amount of the first bank server to be transferred to the second bank server is 8 million Yuan, the total amount of the second bank server to be transferred to the first bank server is 5 million Yuan, the first bank server transfers 3 million RMB to the second bank server by the way of by netting liquidation. By netting liquidation, effectively reduce the transmission of data, improve the speed of interbank clearing.

[65] Further, in addition to the net liquidation of the bilateral (First Bank Server and Second Bank Server) liquidation, multilateral netting gap liquidation can also be conducted. That is, a net balance between multiple bank servers liquidation clearance. For example, the total amount of the first bank server to be transferred to the second bank server is 10 million Yuan, the total amount of the third bank server to be transferred to the first bank server is 5 million Yuan, and the second bank server needs to be transferred to the first bank The total amount of the server is 8 million Yuan, and through multilateral netting liquidation, only the first bank server transfer 5 million Yuan to the second bank server, the second bank server transfer 3 million Yuan to the third bank server.

[66] Step 106: the reconciliation file is delivered to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation file and return confirmation information.

[67] The clearing server delivers the reconciliation documents to the first bank server and the second bank server. The first bank server and the second bank server respectively confirm the reconciliation file, the first bank server returns the first confirmation information after confirming the information, and the second bank server returns the second confirmation information after confirming the passage.

[68] Step 108: After receiving the confirmation information, generating clearing information by using the reconciliation file.

[69] The first bank server may return the first confirmation information to the clearing server in the form of a confirmation receipt. The second bank server may return the second confirmation information to the clearing server in the form of a confirmation receipt. After the clearing server receives the first confirmation information and the second confirmation information, it indicates that the reconciliation document between the first bank server and the second bank server is accurate. The reconciliation document is used to generate clearing information according to a preset packet exchange standard. The liquidation information includes the total amount of liquidation, the number of the electronic certificate to be cleared, and so on.

[70] Step 110: Deliver clearing information to the first bank server, so that the first bank server transfers the total settlement amount to the second bank server according to the clearing information.

[71] The clearing server delivers the clearing information to the first bank server and the second bank server, respectively, due to the net settlement difference between the first bank server and the second bank server. After receiving the clearing information, the first bank server transfers the total settlement amount in the reconciliation document to the second bank server according to the clearing information. This completed the inter-bank liquidation of volume electronic certificate. The first bank server and the second bank server are relative, and may be that the first bank server transfers the total amount of the liquidation to the second bank server, or may be that the second bank server transfers the total amount of the liquidation to the first bank server.

[72] Further, the reconciliation document also includes the number of the electronic certificate to be cleared. After the first bank server transfers the total amount of the liquidation to the second bank server according to the clearing information, the second bank server first transfers the received total amount of the liquidation into the second bank for clearing services on the second bank server. And then according to the reconciliation document, the amount corresponding to each first electronic certificate is respectively transferred to the receiving account of each first electronic certificate. Since the first bank server and the second bank server implement the inter-bank liquidation through the net rolling difference, therefore, the total amount of liquidation of the first bank server transferred to the second bank server is likely to be less than that of the second bank. The total amount of the first electronic certificate of the second bank servers should be allocated the total amount. The difference between the total liquidation amount and the total amount to be allocated by the second bank will be supplemented by the amount in the second business liquidation account and then use the reconciliation document to assign the amount corresponding to each first electronic certificate to the corresponding receiving account. This further improves the accuracy of interbank settlement.

[73] In this example, since the electronic certificate is to be cleared within a first preset time, use the first data of the electronic certificate of the first bank server to generate the reconciliation document with the second data of the electronic certificate of the second bank server, the reconciliation file includes the total liquidation amount of the electronic certificate that the first bank server needs to transfer to the second bank server. After the first bank server and the second bank server respectively return confirmation information according to the reconciliation document, the liquidation information is generated according to the reconciliation document, which enables the first bank server to pay the second bank server in accordance with the total amount of liquidation in the reconciliation documents after receiving the liquidation information. As a result, it is possible to carry out inter-bank liquidation of batch electronic certificates in the first preset time, effectively saving the inter-bank payment fee, and overcoming the problem that a large number of single electronic certificates require a high commission in real-time interbank payment.

[74] In an example, before the step of obtaining the data of the plurality of electronic certificates to be cleared in the first preset time period, the method further includes:
receiving the data of multiple electronic certificate issued by the first bank server and the second bank server in real time; parsing the data to obtain the parsed data, the parsed data includes the state of the electronic certificate, the state of the electronic certificate includes to be cleared; the state of screening is the electronic certificate to be cleared, and the electronic certificate to be cleared is obtained.

[75] In this example, the first bank server delivers the first data of the plurality of first electronic certificates to the clearing server in real time, and the second bank server delivers the second data of the plurality of second electronic certificates to the clearing server in real time. Wherein, the first and second data are respectively encrypted.
Specifically, RSA (an encryption algorithm) can be used for encryption. After receiving the first data and the second data, the clearing server correspondingly decrypts the first data and the second data by using the RSA algorithm. The parsed data includes the state of the electronic certificate, including the status of the certificate to be received, the status of pending performance, the status of pending settlement, the status of pending settlement, or the status to be cleared.
The cleared liquidation is set as the keyword, which is filtered according to the keyword, and the electronic certificate for the liquidation is obtained. As a result, liquidation servers are ready for interbank liquidation.

[76] Further, the reconciliation documents and clearing information generated by the clearing server are also encrypted. The first bank service and the second bank server need to decrypt the reconciliation document after receiving the reconciliation document for confirmation.
After receiving the clearing information, the first bank server and the second bank server need to decrypt the clearing information to perform the inter-bank settlement according to the total clearing amount in the reconciliation document. Through the first and second data, check the document and liquidation of information in liquidation between the server and the first bank, the second bank server to interact to encrypt the data and document, improved the security of the interbank clearing.

[77] In an example, after the step of delivering the reconciliation document to the first bank server and the second bank server, the method further includes: if the electronic certificate to be liquidated in the first preset time of the first bank server is not consistent with the reconciliation document, receive the first error information delivered by the first bank server; and / or if the number of electronic certificate of the first bank server to be liquidated in the first preset period on the second bank server is not consistent with the reconciliation document, the second error information delivered by the second bank server is received; the first error information and / or the second error information is adjusted, and the process of delivering the reconciliation document to the first bank server and the second bank server is performed again, enable the first bank server and the second bank server to confirm the reconciliation document and return the confirmation information.

[78] In this example, when the first bank server actively updates the first data corresponding to the first electronic certificate, the first bank server also delivers the first data to the clearing server and the second bank server in real time. The first data of the first electronic certificate can be stored at the same time in the first bank server and the second bank server. When the second bank server actively updates the second data corresponding to the second electronic certificate, the second bank server also delivers the second data to the clearing server and the first bank server in real time So that the second data of the second electronic certificate may be stored in the first bank server and the second bank server at the same time. After receiving the reconciliation document, comparing the account document with the first data and the second data in the first preset period on the first bank server, that is, compare the reconciliation document with the data of the clearing electronic certificate (first and second data) in the first preset time, and if the comparison is consistent, the first bank server confirms the reconciliation document and deliver the first confirmation information to the clearing server. If the comparison is inconsistent, the first bank server delivers the first error information to the clearing server. After receiving the reconciliation document, the second bank server compares the reconciliation document with the first data and the second data in the first preset time stored in the second bank server, and if the alignment matches, the second bank server delivers a second confirmation to the clearing server through confirmation of the reconciliation document. If the comparison is inconsistent, the second bank server delivers the second error information to the clearing server.

[79] After receiving the first error information and / or the second error information, the clearing server will retrieve the service details for comparison and make adjustments by using the error flat accounting method to ensure that the clearing server, the first bank server and after the reconciliation data between the two bank servers is consistent, the clearing server generates the reconciliation document again to ensure that the data of interbank settlement is accurate.

[80] In an example, after the step of separately delivering the clearing information to the first bank server so that the first bank server transfers the total settlement amount to the second bank server according to the clearing information, the method further includes: determining whether a notification of the total amount of the liquidation that has been transferred by the first bank server is received within a second preset time period; and if not, delivering a reminder of the total amount of the transfer and settlement to the first bank server.

[81] In this example, after the first bank server transfers the total amount of liquidation to the second bank server according to the liquidation information, the first bank server delivers the notification to the clearing server to complete the transfer of the total amount of liquidation. After the clearing server receives the notification within a second preset time, the clearing server records the notification. If the clearing server does not receive the notification within the second preset time period, deliver the reminder of the total amount of transfer and settlement to the first bank server to ensure the clearing of electronic certificate on the first bank server and the second bank server, and complete interbank liquidation in a timely manner.

[82] In one example, an inter-bank settlement method is provided as shown in Figure 2, and the method is applied to a first bank server as an example for description. The method specifically includes:

[83] Step 202: deliver the first data of first electronic certificate to the clearing server in real time, so that the clearing server to receive the second electronic certificate of second electronic certificate delivered by the second bank server, according to the first preset time, the first data of multiple clearing first documents and the second data of the second electronic certificate to be cleared to generate the reconciliation documents.

[84] Step 204: Receive a reconciliation document delivered by a clearing server, where the reconciliation document includes a total settlement amount.

[85] Step 206: Determine the second data of the second electronic certificate to be liquidated in the account document and the first preset time of the pre storage, and the first data of the first electronic certificate to be cleared; if yes, enter Step 208: otherwise, deliver the first error information to the clearing server.

=

[86] Step 208: The confirmation information is returned to the clearing server so that the clearing server uses the reconciliation document to generate the liquidation information after receiving the confirmation information.

[87] Step 210: Receive a clearing information delivered by the clearing server.

[88] Step 212: transfer the total settlement amount to the second bank server according to the clearing information.

[89] In this example, the first bank server delivers the first data of the first electronic certificate to the clearing server in real time. The second bank server also delivers the second data of the second electronic certificate to the clearing server in real time. The first data and the second data are both encrypted data. After receiving the first data and the second data, the clearing server decrypts the first data and the second data respectively.
Specifically, both the first data and the second data can be encrypted by using an RSA algorithm.
After receiving the first data and the second data, the clearing server uses the RSA
algorithm to decrypt the data. By analysing the first data and the second data for encryption and decryption, the security of interbank settlement is improved. The parsed data includes the state of the electronic certificate, including the status of the certificate to be received, the status of pending performance, the status of pending settlement, the status of pending settlement, or the status to be cleared. The cleared liquidation is set as the keyword, which is filtered according to the keyword, and the electronic certificate for the liquidation is obtained. Prepare for clearing server for interbank settlement. The clearing server separately calls the first data corresponding to the first electronic certificate to be cleared within a first preset time period and the second data corresponding to the second electronic certificate to be disposed within the first preset time period and the first and second data are summarized and rolled separately, and the reconciliation documents between the first and second bank servers are generated according to the results of the processing.

[90] Adopt a clearing way of net rolling of electronic certificate. That is, in the settlement of electronic certificate, only the net amount of the accounts receivable and the accounts payable should be calculated after the liquidation of each bank. In other words, each bank may have tens of thousands of electronic certificate transactions need to pay and receive funds, but does not need to be paid immediately to each electronic certificate, It is only necessary to calculate the total difference between the liquidated electronic certificate in the first preset period and the sum of the total balance of the payment by the difference bank. Inter-bank liquidation between two banks can be realized through the net liquidation between the first bank server and the second bank server, that is, bilateral net gap liquidation. Inter-bank liquidation clearing between multiple banks can be achieved by clearing the net of the difference between multiple bank servers. By netting liquidation, effectively reduce the transmission of data, improve the speed of interbank clearing.

[91] The clearing server delivers the reconciliation documents to the first bank server and the second bank server. The first bank server and the second bank service respectively confirm the reconciliation document, the first bank service returns the first confirmation information after passing the confirmation, and the second bank server returns the second confirmation information after passing the confirmation. Specifically, the first bank server compares the reconciliation document with the pre-stored second data of the second electronic certificate to be cleared within the first preset time and the first data of the first electronic certificate to be cleared, and determines whether two the data is consistent. If they are consistent, the first bank server returns the first confirmation information to the clearing server. Otherwise, the first bank server delivers the first error information to the clearing server. The second bank server compares the reconciliation document with the pre-stored first data of the first electronic certificate to be cleared by the first bank server in the first preset time to determine whether the data of the two accounts match each other. If consistent, the second bank server returns the second confirmation information to the clearing server. Otherwise, the second bank server delivers the second error information to the clearing server.

[92] In one of the examples, after the step of determining whether the second data of the second electronic certificate to be cleared and the first data of the first electronic certificate to be cleared are consistent between the reconciliation document and the pre-stored first preset time, the method also includes: if not, the liquidation to the server delivers the first error information, to make liquidation server to the first error information adjusted again generate reconciliation document; execute the step of receiving the clearing message delivered by the clearing server again.

[93] After receiving the first error information and / or the second error information, the clearing server will retrieve the service details for comparison and make adjustments by using the error flat accounting method to ensure that the clearing server, the first bank server and the second After the reconciliation data between the bank servers are consistent, the clearing server generates the reconciliation document again to ensure that the data of interbank settlement is accurate.

[94] After receiving the first confirmation information and the second confirmation information, the clearing server generates clearing information by using the reconciliation document.
After receiving the clearing information, the first bank server transfers the total settlement amount in the reconciliation document to the second bank server according to the clearing information. This completed the inter-bank liquidation of volume electronic certificate.

[95] In this example, since the electronic certificate is to be cleared within the first preset time, the clearing server generates a reconciliation document using the first data of the first electronic certificate of the first bank server and the second of the second electronic certificate of the second bank server, the reconciliation document includes the total liquidation amount of the electronic certificate that the first bank server needs to transfer to the second bank server. After the first bank server and the second bank server respectively return confirmation information according to the reconciliation document, the liquidation information is generated according to the reconciliation document, which enables the first bank server to pay the second bank server in accordance with the total amount of liquidation in the reconciliation documents after receiving the liquidation information. As a result, it is possible to carry out inter-bank liquidation of batch electronic certificates in the first preset time, effectively saving the inter-bank payment fee, and overcoming the problem that a large number of single electronic certificates require a high commission in real-time interbank payment.

[96] In an example, the first bank server has preset the first service clearing account, and after the step of transferring the total amount of the liquidation to the second bank server according to the clearing information, the method also includes: use the first business settlement account to transfer the amount of the second electronic certificate to the corresponding receiving account.

[97] In this example, the reconciliation document further includes the serial number of the electronic certificate to be cleared. Due to the adoption of a netting gap settlement method, the transfer between the first bank server and the second bank server is only the total amount of liquidation. The first bank also needs to charge the received funds into the receiving account of the electronic certificate (i.e. the second electronic certificate) received by the bank according to the reconciliation documents. The first bank server pre-set the first business clearing accounts. Since the first bank pays the difference, the corresponding amount can be directly transferred to the corresponding receiving account according to the reconciliation document and the serial number of the second electronic certificate to be liquidated from the first bank for special account settlement. If there is no second data of the second electronic certificate in the first preset time, this step is unnecessary. After the first bank server transfers the total amount of the liquidation to the second bank server according to the clearing information, the second bank server first transfers the received total amount of the liquidation into the second bank for clearing services on the second bank server. According to the reconciliation document for clearing the first electronic certificate number, the amount corresponding to the first electronic certificate to be liquidated is respectively transferred to the receiving account of each first electronic certificate. Since the first bank server and the second bank server implement the inter-bank clearance through the net rolling difference, the total amount of the liquidation of the first bank server transferred to the second bank server is likely to be less than that of the second bank server. The total amount of the first electronic certificate of the second bank servers should be allocated the total amount. The difference between the total liquidation amount and the total amount to be allocated by the second bank server will be supplemented by the amount in the second business liquidation account and then use the reconciliation document to assign the amount corresponding to each first electronic certificate to the corresponding receiving account. This further improves the accuracy of interbank settlement.

[98] In an example, as shown in Figure 3, an inter-bank settlement method is provided, which is applied to a second bank server as an example for description. The method specifically includes:

[99] Step 302: the clearing server delivers second data of second electronic certificate in real time, so that after receiving the first data of the first electronic certificate delivered by the first bank server, the clearing server determines, according to the first preset time a plurality of first data of the first certificates to be cleared and second data of the plurality of second electronic certificates to be cleared to generate a reconciliation document.

[100] Step 304: Receive a reconciliation document delivered by a clearing server, where the reconciliation document includes a total settlement amount.

[101] Step 306: Determine whether the reconciliation document is consistent with the pre-stored first data of the first electronic certificate to be cleared within a first preset time period and the second data of the second electronic certificate to be cleared; if yes, enter step 308, otherwise, deliver second error information.

[102] Step 308: The confirmation information is returned to the clearing server so that the clearing server uses the reconciliation document to generate the liquidation information after receiving the confirmation information.

[103] Step 310: Receive clearing information delivered by the clearing server.

[104] Step 312: Receive the total settlement amount transferred by the first bank server according to the clearing information.

[105] Step 314: transfer the total amount of liquidation received to second business liquidation special account, and the account corresponding to the first electronic certificate is transferred to the corresponding collection by using the Second Server settlement account respectively Account.

[106] In this example, the second bank server delivers the second data of the second electronic certificate to the clearing server in real time. The first bank server also delivers the first data of the first electronic certificate to the clearing server in real time.
The first data and the second data are both encrypted data. After receiving the first data and the second data, the clearing server decrypts the first data and the second data respectively.
Specifically, both the first data and the second data can be encrypted by using an RSA
algorithm. After receiving the first data and the second data, the clearing server uses the RSA
algorithm to decrypt the data. The first data and the second data are thus parsed. The parsed data includes the status of the electronic certificate, including the state to be cleared. The cleared liquidation is set as the keyword, which is filtered according to the keyword, and the electronic certificate for the liquidation is obtained. Prepare for clearing server for interbank settlement. The clearing server separately calls the first data corresponding to the first electronic certificate to be cleared within a first preset time period and the second data corresponding to the second electronic certificate to be disposed within the first preset time period and the first and second data are summarized and rolled separately, and the reconciliation documents between the first and second bank servers are generated according to the results of the processing.

[107] Adopt a clearing way of net rolling of electronic certificate. That is, in the settlement of electronic certificate, only the net amount of the accounts receivable and the accounts payable should be calculated after the liquidation of each bank. In other words, each bank may have tens of thousands of electronic certificate transactions need to pay and receive funds, and need to be paid immediately to each electronic certificate, It is only necessary to calculate the total difference between the liquidated electronic certificate in the first preset period and the sum of the total balance of the payment by the difference bank.
Inter-bank liquidation between two banks can be realized through the net liquidation between the first bank server and the second bank server, that is, bilateral net gap liquidation. Inter-bank liquidation clearing between multiple banks can be achieved by clearing the net of the difference between multiple bank servers. By netting liquidation, effectively reduce the transmission of data, improve the speed of interbank clearing.

[108] The clearing server delivers the reconciliation documents to the first bank server and the second bank server. The first bank server and the second bank service respectively confirm the reconciliation document, the first bank service returns the first confirmation information after passing the confirmation, and the second bank server returns the second confirmation information after passing the confirmation. The first bank server compares the reconciliation document with the pre-stored second data of the second electronic certificate to be cleared by the second bank server in the second preset time to determine whether the data of the two accounts match each other. If they are consistent, the first bank server returns the first confirmation information to the clearing server.
Otherwise, the first bank server delivers the first error information to the clearing server. The second bank server compares the reconciliation document with the pre-stored first data of the first electronic certificate to be cleared within the first preset time and the second data of the second electronic certificate to be cleared, and determines whether two the data is consistent. If consistent, the second bank server returns the second confirmation information to the clearing server. Otherwise, the second bank server delivers the second error information to the clearing server.

[109] In one of the examples, after the step of determining whether the data of the first electronic certificate to be cleared and the first data of the first electronic certificate to be cleared are consistent between the reconciliation document and the pre-stored second preset time, the method also includes: if not, the liquidation to the server delivers the second error information, to make liquidation server to the second error information adjusted again generate reconciliation document; execute the step of receiving the clearing message delivered by the clearing server again.

[110] After receiving the first error information and / or the second error information, the clearing server will retrieve the service details for comparison and make adjustments by using the error flat accounting method to ensure that the clearing server, the first bank server and the second After the reconciliation data between the bank servers are consistent, the clearing server generates the reconciliation document again to ensure that the data of interbank settlement is accurate.

[111] After receiving the first confirmation information and the second confirmation information, the clearing server generates a clearing information by using the reconciliation document.
After receiving the clearing information, the first bank server transfers the total settlement amount in the reconciliation document to the second bank server according to the clearing information. This completed the inter-bank liquidation of volume electronic certificate. The second bank server will first receive the total amount of liquidation into the second bank server on the second business settlement accounts. And then use the second business settlement account according to the reconciliation document to transfer the amount corresponding to the first electronic certificate to the receiving account of each first electronic certificate respectively. Since the first bank server and the second bank server implement the inter-bank liquidation through the net rolling difference, the total amount of the liquidation of the first bank server transferred to the second bank server is likely to be less than that of the second bank server. The total amount of the first electronic certificate of the second servers should be allocated the total amount. The difference between the total liquidation amount and the total amount to be allocated by the second bank will be supplemented by the amount in the second business liquidation account, and then use the reconciliation document to assign the amount corresponding to each electronic certificate to the corresponding receiving account. This further improves the accuracy of interbank settlement.

[112] In this example, since the electronic certificate is to be cleared within the first preset time, the clearing server generates a reconciliation document using the first data of the first electronic certificate of the first bank server and the second of the second electronic certificate of the second bank server, the reconciliation document includes the total liquidation amount of the electronic certificate that the first bank server needs to transfer to the second bank server. After the first bank server and the second bank server respectively return confirmation information according to the reconciliation document, the liquidation information is generated according to the reconciliation document, which enables the first bank server to pay the second bank server in accordance with the total amount of liquidation in the reconciliation documents after receiving the liquidation information. As a result, it is possible to carry out inter-bank liquidation of batch electronic certificates in the first preset time, effectively saving the inter-bank payment fee, and overcoming the problem that a large number of single electronic certificates require a high commission in real-time interbank payment.

[113] In one example, as shown in Figure 4, an inter-bank clearing system is provided, and the system includes a first bank server 402, a second bank server 404, and a clearing server 406, wherein:

[114] The first bank server 402 is used to deliver the first data of the first electronic certificate to the clearing server 406 in real time.

[115] The second bank server 404 is used to deliver the second data of the second electronic certificate to the settlement server 406 in real time.

[116] The settlement server 406 is used to receive the first data and the second data, and according to the first preset time, the first data of multiple clearing first documents and the second data of the second electronic certificate of clearing liquidation will generate the reconciliation document, and the reconciliation document includes the total settlement amount, and delivers the reconciliation document to the first bank server 402 and the second bank server 404 respectively.

[117] The first bank server 402 is also used to confirm the reconciliation document, and return the first confirmation information to the settlement server.

[118] The second bank server 404 is also used to confirm the reconciliation document, and return the second confirmation information to the settlement server.

[119] The clearing server 406 is also used to receive the first confirmation information and the second information, use the reconciliation document to generate the liquidation information, and the liquidation information will be delivered to the first bank server and the second bank server respectively.

[120] The first bank server 404 is also used to transfer the total settlement amount to the second bank server according to the clearing information.

[121] In this example, the first bank server delivers the first data of the first electronic certificate to the clearing server in real time. The second bank server also delivers the second data of the second electronic certificate to the clearing server in real time. The first data and the second data are both encrypted data. After receiving the first data and the second data, the clearing server decrypts the first data and the second data respectively.
Specifically, both the first data and the second data can be encrypted by using an RSA algorithm.
After receiving the first data and the second data, the clearing server uses the RSA
algorithm to decrypt the data. By analysing the first data and the second data for encryption and decryption, the security of interbank settlement is improved. The parsed data includes the state of the electronic certificate, including the status of the certificate to be received, the status of pending performance, the status of pending settlement, the status of pending settlement, or the status to be cleared. The cleared liquidation is set as the keyword, which is filtered according to the keyword, and the electronic certificate for the liquidation is obtained. Prepare for clearing server for interbank settlement. The clearing server separately calls the first data corresponding to the first electronic certificate to be cleared within a first preset time period and the second data corresponding to the second electronic certificate to be disposed within the first preset time period and the first and second data are summarized and rolled separately, and the reconciliation documents between the first and second bank servers are generated according to the results of the processing.

[122] Adopt a clearing way of net rolling of electronic certificate. That is, in the settlement of electronic certificate, only the net amount of the accounts receivable and the accounts payable should be calculated after the liquidation of each bank. In other words, each bank may have tens of thousands of electronic certificate transactions need to pay and receive funds, and need to be paid immediately to each electronic certificate, It is only necessary to calculate the total difference between the liquidated electronic certificate in the first preset period and the sum of the total balance of the payment by the difference bank.
Inter-bank liquidation between two banks can be realized through the net liquidation between the first bank server and the second bank server, that is, bilateral net gap liquidation. Inter-bank liquidation clearing between multiple banks can be achieved by clearing the net of the difference between multiple bank servers. By netting liquidation, effectively reduce the transmission of data, improve the speed of interbank clearing.

[123] In one of the examples, the first bank server is also used to: the first bank server is also used to determine the second data of the second electronic certificate, which is to be liquidated in the first preset time of the account and pre-storage, the first electronic device to be cleared the first data of the certificate is consistent; then the first confirmation information is returned to the clearing server. In one of the examples, the first bank server is also used to: the first bank server is also used to determine the second data of the second electronic certificate, which is to be liquidated in the first preset time of the account and pre-storage, the first electronic device to be cleared the first data of the certificate is not consistent; then the first error information is returned to the clearing server.

[124] In one of the examples, the second bank server is also used to: the first bank server is also used to determine the first data of the first electronic certificate, which is to be liquidated in the second preset time of the account and pre-storage, the second electronic device to be cleared the second data of the certificate is consistent; then the second confirmation information is returned to the clearing server. In one of the examples, the second bank server is further is also used to: the first bank server is also used to determine the first data of the first electronic certificate, which is to be liquidated in the second preset time of the account and pre-storage, the second electronic device to be cleared the second data of the certificate is not consistent; then the second error information is returned to the clearing server. In one of the examples, the clearing server is also used to generate the reconciliation document once the first error information and/or second error information is adjusted. After receiving the first error information and / or the second error information, the clearing server will retrieve the service details for comparison and make adjustments by using the error flat accounting method to ensure that the clearing server, the first bank server and the second after the reconciliation data between the bank servers are consistent, the clearing server generates the reconciliation document again to ensure that the data of interbank settlement is accurate.

[125] In this example, after the first bank server and the second bank server respectively return confirmation information according to the reconciliation document, the liquidation information is generated according to the reconciliation document, which enables the first bank server to pay the second bank server in accordance with the total amount of liquidation in the reconciliation documents after receiving the liquidation information. As a result, it is possible to carry out inter-bank liquidation of batch electronic certificates in the first preset time, effectively saving the inter-bank payment fee, and overcoming the problem that a large number of single electronic certificates require a high commission in real-time interbank payment.

[126] In an example, the first bank server is also used to transfer the amount of the second electronic certificate to the corresponding collection account using the first business settlement account, and the second bank server is also used to transfer the total amount of the received liquidation to the second business liquidation specialist, and according to the account document, the amount of the first electronic certificate is transferred to the corresponding collection account.

[127] In this example, according to the reconciliation document and the serial number of the second electronic certificate to be liquidated, the corresponding amount is transferred to the corresponding receiving account in the first service liquidation account on the first bank server. After the first bank server transfers the total amount of the liquidation to the second bank according to the clearing information, the second bank server first transfers the received total amount of the liquidation into the second bank for clearing services on the second bank server. According to the reconciliation document for clearing the first electronic certificate number, the amount corresponding to the first electronic certificate to be liquidated is respectively transferred to the receiving account of each first electronic certificate. Since the first bank server and the second bank server implement the inter-bank liquidation through the net rolling difference, the total amount of the liquidation of the first bank server transferred to the second bank server is likely to be less than that of the second bank server. The total amount of the first electronic certificate of the second servers should be allocated the total amount. The difference between the total liquidation amount and the total amount to be allocated by the second bank will be supplemented by the amount in the second business liquidation account and then use the reconciliation document to assign the amount corresponding to each first electronic certificate to the corresponding receiving account. This further improves the accuracy of interbank settlement.

[128] In an example, the first bank server is also used to deliver a notification of the total amount of the transfer and settlement to the settlement server after the total amount of the settlement is transferred to the second bank server.

[129] In this example, after the first bank server transfers the total settlement amount liquidation to the second bank according to the liquidation information, the first bank server delivers the notification to the clearing server to complete the transfer of the total amount of liquidation. After receiving the notification, the clearing server records the notification. If the clearing server does not receive the notification within a second preset time period, deliver the reminder of the total amount of transfer and settlement to the first bank server to ensure the clearing of electronic certificate on the first bank server and the second bank server, and complete interbank liquidation in a timely manner.

[130] In one example, an inter-bank clearing server is provided. The server includes a processor and a non-volatile storage medium. When the instruction is executed by the processor, the non-volatile storage medium may store the processor which performs the following steps:

[131] Acquiring data the data of multiple clearing electronic certificate in the first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to second bank server;

[132] Using the first data and the second data to generate the reconciliation file, the reconciliation document includes the total amount of settlement;

[133] The reconciliation file is delivered to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation file and return the confirmation information;

[134] After receiving the confirmation information, generating a clearing message by using the reconciliation file;

[135] The liquidation information is delivered to the first bank server, so that the first bank server transfers the total settlement amount to the second bank server according to the settlement message.

[136] In this example, a schematic structural diagram of an inter-bank clearing server is shown in Figure 5, and the server includes a processor, a non-volatile storage medium, a memory and a network interface which are connected through a system bus. Wherein, the non-volatile storage medium of the server stores an operating system, a database and an inter-bank settlement processing device for implementing an inter-bank settlement method suitable for a server. The processor of the server is used to provide calculation and control capabilities to support the operation of the entire server. The server's memory provides an environment for the operation of an inter-bank clearing information processor in a non-volatile storage medium. The network interface of the server is used to communicate with an external terminal according to a network connection, for example, receive first data of a first electronic certificate delivered by a first bank server, and so on.
The server can be implemented by a separate server or multiple servers, for example, the server can include an inter-bank settlement processing server and a storage server.

[137] In addition, a non-transitory computer storage medium is also provided.

[138] A non-transitory computer-implemented storage medium containing computer-executable instructions for performing an inter-bank settlement method, the method including the steps of:

[139] Acquiring data the data of multiple clearing electronic certificate in the first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to second bank server;

[140] Using the first data and the second data to generate the reconciliation file, the reconciliation document includes the total amount of settlement;

[141] The reconciliation file is delivered to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation file and return the confirmation information;

[142] After receiving the confirmation information, generating a clearing message by using the reconciliation file;

[143] The liquidation information is delivered to the first bank server, so that the first bank server transfers the total settlement amount to the second bank server according to the settlement message.

[144] The technical features of the examples described above can be arbitrarily combined. In order to simplify the description, there doesn't describe all the possible combinations of the various technical features in the above examples, however, as long as the combination of these technical features, which does not exist a contradiction, should be considered the scope of this Specification.

[145] The above-described examples show only a few methods of execution of the present invention, and its descriptions are comparatively specific and detailed, however, it can not to be construed as a limitation of the scope of the invention patent. It should be noted that various modifications and improvements can be made by those skilled in the field without departing from the inventive concept, which belong to the protection scope of the present invention. Accordingly, the protection scope of patent of the present invention should be measured by the appended claims.

Claims

The Claims

[Claim 1] An inter-bank settlement method, including:
Acquiring data of multiple clearing electronic certificate in the first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to second bank server;
Using the first data and the second data to generate the reconciliation file, the reconciliation document includes the total amount of settlement;
The reconciliation document is delivered to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation document and return the confirmation information;
Generate a clearing message by using the reconciliation document after receiving the confirmation information; and deliver the clearing information to the first bank server, so that the first bank server transfer the total settlement amount to the second bank server according to the liquidation information.
[Claim 2] According to the method in Claim 1, its characteristic is that before the steps of obtaining a number of data to be liquidated electronic certificate within the first preset time, the following steps include:
Receiving the data of multiple electronic certificates issued by the first bank server and the second bank server in real time;
Parsing the data to obtain parsed data, where the parsed data includes the status of the electronic certificate, the status of the electronic certificate includes to be cleared;
Filter out the state to be cleared electronic certificate, to be cleared electronic certificate.
[Claim 3] According to the method in Claim 1, wherein after the step of delivering the reconciliation document to the first bank server and the second bank server, the method also includes:
If the data of the electronic certificate to be cleared within the first preset time and stored in the first bank server does not match the reconciliation document, receive the first error information delivered by the first bank server; and / or If the data of the electronic certificate to be cleared within the first preset time stored in the second bank server is inconsistent with the reconciliation document, receive the second error information delivered by the second bank server;

Adjust the first error information and / or the second error information, and perform again the reconciliation document is delivered to the first bank server and the second bank server, so that first bank server and the second bank server to confirm and return the confirmation information to the reconciliation document.
[Claim 4] According to the method in Claim 1, its characteristic is that, the liquidated information is delivered to the first bank server respectively, so that the first bank server transfer the total amount of the liquidation amount to the second bank server according to the liquidation information, the first bank server also includes:
Determining whether a notification of the total amount of the liquidation that has been transferred by the first bank server is received within a second preset time period;
If not, delivering reminder to the first bank server of the total amount of transfer and settlement.
[Claim 5] An inter-bank settlement method applied to a first bank server, the method including:
Deliver the first data of the first electronic certificate to the clearing server in real time so that the clearing server to receive the second electronic certificate of second electronic certificate delivered by the second bank server, according to the first preset time, the first data of multiple clearing first documents and the second data of the second electronic certificate to be cleared to generate the reconciliation documents.
Receive the reconciliation document delivered by the clearing server, where the reconciliation document includes a total settlement amount;
Determining the second data of the second electronic certificate to be liquidated in the first preset time of the account and whether the first data of the first electronic certificate to be liquidated is consistent;
If yes, returning confirmation information to the clearing server, so that the clearing server generates a clearing information by using the reconciliation information after receiving the confirmation information;
Receive the clearing information delivered by the clearing server;
The total amount of the liquidation is transferred to the second bank server according to the liquidation information.
[Claim 6] According to the method in Claim 5, its characteristic is that wherein after the determining the second data of the reconciliation document and the second electronic certificate to be cleared in the pre-stored first preset time, after the first data of the first electronic certificate to be liquidated is consistent or not, the method also includes:
If they are inconsistent, delivering the first error information to the settlement server, so that the settlement server generates the reconciliation document again after adjusting the first error information; and the process of receiving the liquidation information delivered by the clearing server is executed again.
[Claim 7] According to the method in Claim 5, its characteristic is that wherein the first banking server was pre-set with the first business liquidation specialist, and after the stated liquidation information is transferred to the second bank server, the total amount of the liquidation is transferred, the method also includes:
Use the first service settlement account to transfer the amounts corresponding to the multiple second electronic certificates to the corresponding collection accounts.
[Claim 8] According to the method in Claim 7, wherein after the step of transferring the total settlement amount to the second bank server according to the settlement information, the method also includes:
Deliver to the settlement server a notification that the total settlement amount has been transferred.
[Claim 9] An inter-bank settlement method applied to a second bank server, the method including:
Deliver the second data of the second electronic certificate in real time to the settlement server, so that after receiving the first data of the first electronic certificate delivered by the first bank server, the clearing server determines, according to the first data to be cleared in the first preset time period, The first data of the certificate and the second data of the second electronic certificates to be cleared to generate the reconciliation document;
Receive the reconciliation document delivered by the clearing server, where the reconciliation document includes a total settlement amount;
Whether the reconciliation document is consistent with the pre-stored first data of the first electronic certificate to be cleared within the first preset time and the second data of the second electronic certificate to be cleared;
If yes, returning confirmation information to the clearing server, so that the clearing server generates a clearing information by using the reconciliation information after receiving the confirmation information;
Receive the clearing information delivered by the clearing server;

According to the clearing information, the total settlement amount transferred by the first bank server; and The received total settlement amount is transferred to a second server settlement account, and the second server settlement accounts are used to respectively transfer the amounts corresponding to the plurality of first electronic certificates to the corresponding collection accounts according to the reconciliation documents.
[Claim 10] According to the method in Claim 9, its characteristic is that wherein after the determining the first data of the reconciliation document and the first electronic certificate to be cleared in the pre-stored first preset time, after the second data of the second electronic certificate to be liquidated is consistent or not, the method also includes:
If they are inconsistent, delivering the second error information to the settlement server, so that the settlement server generates the reconciliation document again after adjusting the second error information; and the process of receiving the liquidation information delivered by the clearing server is executed again.
[Claim 11] An inter-bank settlement system, including:
The first bank server is used to deliver the first data of the first electronic certificate to the clearing server in real time.
The second bank server also delivers the second data of the second electronic certificate to the clearing server in real time;
The settlement server is used to receive the first data and the second data and according to the first preset time, the first data of multiple clearing first documents and the second data of the second electronic certificate of clearing liquidation will generate the reconciliation document, and the reconciliation document includes the total settlement amount, and delivers the reconciliation document to the first bank server and the second bank server respectively;
The first bank server is also used to confirm the reconciliation document and return first confirmation information to the settlement server;
The second bank server is also used to confirm the reconciliation document and return second confirmation information to the settlement server;
The settlement server is also used to receive the first confirmation information and the second information, use the reconciliation document to generate the liquidation information, and the liquidation information will be delivered to the first bank server and the second bank server respectively;
The first bank server is also used to transfer the total settlement amount to the second bank server according to the clearing information.
[Claim 12] According to the system in Claim 11, its characteristic is that wherein the first bank server is also used to transfer the amount of the second electronic certificate to the corresponding collection account using the first business settlement account, and the second bank server is also used to transfer the total amount of the received liquidation to the second business liquidation specialist, and according to the account document, the amount of the first electronic certificate is transferred to the corresponding collection account.
[Claim 13] According to the system in Claim 11, its characteristic is that wherein the first bank server is also used to determine the second data of the second electronic certificate, which is to be liquidated in the fust preset time of the account and pre-storage, the first electronic device to be cleared the first data of the certificate is consistent; then the first confirmation information is returned to the clearing server.
[Claim 14] According to the system in Claim 13, its characteristic is that wherein the first bank server is also used to determine the second data of the second electronic certificate, which is to be liquidated in the first preset time of the account and pre-storage, the first electronic device to be cleared the first data of the certificate is not consistent; then the first error information is returned to the clearing server.
[Claim 15] According to the system in Claim 11, its characteristic is that wherein the second bank server is also used to determine the first data of the second electronic certificate, which is to be liquidated in the second preset time of the account and pre-storage, the second electronic device to be cleared the second data of the certificate is consistent; then the second confirmation information is returned to the clearing server.
[Claim 16] According to the system in Claim 15, its characteristic is that wherein the second bank server is also used to determine the first data of the second electronic certificate, which is to be liquidated in the second preset time of the account and pre-storage, the second electronic device to be cleared the second data of the certificate is not consistent; then the second error information is returned to the clearing server.
[Claim 17] According to the system in any one of claims 14 or 16, wherein the clearing server is also used to generate a second reconciliation after adjusting the first error information and / or the second error information document.
[Claim 18] According to the system in Claim 17, wherein the first bank server is also used to deliver notification of the total amount of the transfer and settlement to the settlement server after the total amount of the settlement is transferred to the second bank server.
[Claim 19] An interbank settlement server, including a processor and a non-volatile storage medium, wherein instructions are stored in the non-volatile storage medium, and when the instructions are executed by the processor, the processor may be caused to perform the steps of:
Acquiring data of multiple clearing electronic certificate in the first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to second bank server;
Generating a reconciliation document by using the first data and the second data, wherein the reconciliation document includes a total settlement amount;
delivering the reconciliation document to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation document and return confirmation information;
Generate a clearing message by using the reconciliation document after receiving the confirmation information; and deliver the clearing information to the first bank server, so that the first bank server transfer the total settlement amount to the second bank server according to the liquidation information.
[Claim 20] A non-transitory computer storage medium containing computer-executable instructions for performing an inter-bank settlement method, its characteristic is that the method including the steps of:
Acquiring data of multiple clearing electronic certificate in the first preset time, the data including first data and second data, the first data corresponding to a first bank server, and the second data corresponding to second bank server;
Generating a reconciliation document by using the first data and the second data, wherein the reconciliation document includes a total settlement amount;
delivering the reconciliation document to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation document and return confirmation information;
Generate a clearing message by using the reconciliation document after receiving the confirmation information; and deliver the clearing information to the first bank server, so that the first bank server transfer the total settlement amount to the second bank server according to the liquidation information.