CN101706935A - Method, device and system for acting deposit and management service of third party - Google Patents
Method, device and system for acting deposit and management service of third party Download PDFInfo
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- CN101706935A CN101706935A CN200910204561A CN200910204561A CN101706935A CN 101706935 A CN101706935 A CN 101706935A CN 200910204561 A CN200910204561 A CN 200910204561A CN 200910204561 A CN200910204561 A CN 200910204561A CN 101706935 A CN101706935 A CN 101706935A
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Abstract
The invention discloses method, device and system for acting the deposit and management service of a third party. The method for acting the deposit and management service of the third party comprises the following steps of: receiving a transaction request transmitted by a service system of an acted bank by the device for acting the deposit and management service of the third party; processing the transaction request according to a rule authorized by a core system of an acting bank and recording transaction information generated in the process of processing the transaction request; and transmitting the transaction information in batch to the core system for registration at a preset moment. Correspondingly, the invention also discloses the device and the system for acting the deposit and management service of the third party. According to the method, the device and the system for acting the deposit and management service of the third party, the times of information interaction between the device for acting the deposit and management service of the third party and the core system in the process of acting other banks for processing the deposit and management service of the third party is reduced, the accuracy of transaction processing and the uniformity of transaction information between systems are enhanced, and the load of end-of-day check is lightened.
Description
Technical field
The present invention relates to the financial service field, more specifically, relate to a kind of methods, devices and systems of acting deposit and management service of third party.
Background technology
" third party deposits pipe " is a business that is provided by bank, be usually used in transactions such as security, futures, house property, particularly, " third party deposits pipe " is meant that the company (as stock trader, futures merchant etc.) that manages financial transaction transfers to bank with client's transaction funds and deposits pipe, by bank according to the requirement of relevant laws and regulations handle this client's transaction funds access, transfer accounts, business such as expenditure.
Have the qualification that third party's deposit and management service is provided and the bank of ability and can be other bank's acting deposit and management service of third party, this paper will be called agent bank for the bank of other bank's acting deposit and management service of third party, to realize that the bank of third party's deposit and management service is called by agent bank by the agency of agent bank, and, because investor's transaction funds is transferred to by agent bank and is deposited pipe, so this investor is the client who manages the company of financial transaction, again by the client of agent bank.
Acting deposit and management service of third party relates generally to account class business (as: for opened the bank settlement account of agent bank by the client of agent bank) and account class business (as: transferring accounts for carried out the silver card by the client of agent bank).
At present, the basic model of acting deposit and management service of third party is:
Be when being opened the bank settlement account of agent bank by the client of agent bank, the device of acting deposit and management service of third party is to the online transmission of the core system of the agent bank request of opening an account, core system is this client issuing bank settlement accounts according to the request of opening an account that receives, and this information of opening an account is sent to the device of acting deposit and management service of third party.
Demonstrate,proving when transferring accounts for carried out silver by the client of agent bank, the device of acting deposit and management service of third party is demonstrate,proved the online core system that sends to agent bank of transfer request with silver, by its processing of keeping accounts, a silver card of every processing transferred account service, the device of acting deposit and management service of third party at least will be to twice information of the online transmission of the core system of agent bank.
Under existing pattern, handle account class business no matter be, or account class business, the device of acting deposit and management service of third party all needs its online core system that sends to agent bank is handled after receiving the transaction request that is sent by agent bank, thereby, interrupt or other communication abnormality situations if network occurs when sending this transaction request, core system just might not receive this transaction request, will influence the normal process of transaction request.And, transaction request of every processing, the device of acting deposit and management service of third party all needs to carry out repeatedly information interaction with the core system of agent bank, as two systems independently, every increase is once mutual between system, and the inconsistency of Transaction Information will increase with how much multiples, like this, between the assurance system, just there is sizable difficulty aspect the consistance of Transaction Information, also gives day end-nucleus simultaneously having caused big pressure.
Summary of the invention
The invention provides a kind of methods, devices and systems of acting deposit and management service of third party, reduced in other banks of agency and handled the device of agency's band three-party deposit business in third party's deposit and management service process and the information interaction times of core system, improve the consistance of Transaction Information between the accuracy of transaction processing and system, alleviated day right pressure of end-nucleus.
According to a first aspect of the invention, the invention provides a kind of method of acting deposit and management service of third party, described method comprises:
The device of acting deposit and management service of third party receives the transaction request that is sent by the operation system of agent bank;
According to the described transaction request of rule treatments, and be recorded in the Transaction Information that produces in the process of handling described transaction request by the core system mandate of agent bank;
At predetermined instant described Transaction Information being sent to described core system in batches registers.
According to a second aspect of the invention, the invention provides a kind of device of acting deposit and management service of third party, described device comprises:
First receiver module is used to receive the transaction request that is sent by the operation system of agent bank;
Rule module is used to store the rule by the core system mandate of agent bank;
Service Processing Module is used for the described transaction request of rule treatments according to described core system mandate by agent bank;
Logging modle is used for being recorded in Service Processing Module and handles the Transaction Information that the process of described transaction request produces;
The Transaction Information sending module is used for sending to described core system in batches at the Transaction Information that predetermined instant writes down described logging modle and registers.
According to a third aspect of the invention we, the invention provides a kind of system of acting deposit and management service of third party, described system comprises: above according to the device of the described acting deposit and management service of third party of second aspect present invention and the core system of agent bank;
The core system of described agent bank is used to receive and register the Transaction Information that the device of described acting deposit and management service of third party sends.
Implement the methods, devices and systems of a kind of acting deposit and management service of third party of the present invention, core system by agent bank is the device mandate of acting deposit and management service of third party, make its according to the rule treatments of authorizing by third party's deposit and management service of agent bank, reduced in other banks of agency and handled the device of acting deposit and management service of third party in third party's deposit and management service process and the information interaction times of core system, improve the consistance of Transaction Information between the accuracy of transaction processing and system, also alleviated day right pressure of end-nucleus.
Description of drawings
Fig. 1 is the process flow diagram of embodiment one of the method for a kind of acting deposit and management service of third party of the present invention;
Fig. 2 is the process flow diagram of embodiment two of the method for a kind of acting deposit and management service of third party of the present invention;
Fig. 3 is that the embodiment of the invention is to be opened the process flow diagram of the bank settlement account of agent bank by the client of agent bank;
Fig. 4 is that the embodiment of the invention is to be carried out the process flow diagram that the silver card is transferred accounts by the client of agent bank;
Fig. 5 is the structural representation of the system of a kind of acting deposit and management service of third party of the present invention;
Fig. 6 is the structural representation of the device of a kind of acting deposit and management service of third party of the present invention;
Fig. 7 is the structural representation of the Service Processing Module in the device of acting deposit and management service of third party of the present invention;
Fig. 8 is the structural representation of the Transaction Information sending module in the device of acting deposit and management service of third party of the present invention;
Fig. 9 is the structural representation of the core system of agent bank of the present invention.
Embodiment
For the purpose, technical scheme and the advantage that make embodiments of the invention is clearer, the present invention is described in further detail below in conjunction with accompanying drawing.
In embodiments of the present invention, the device of acting deposit and management service of third party with by the operation system of agent bank, manage system's (as stock trader system, futures quotient system system etc.) of company of financial transaction by ctsbridge (communication conversion equipment, be responsible for to communication message encrypt, deciphering and form conversion) carry out mutual, particularly, the system of the company of the operation system of agent bank, operation financial transaction dials in to ctsbridge, and ctsbridge is connected to the device of acting deposit and management service of third party by designated lane.
With reference to figure 1, be the process flow diagram of embodiment one of the method for a kind of acting deposit and management service of third party of the present invention.As shown in Figure 1, described method comprises at least:
S101, the device of acting deposit and management service of third party receives the transaction request that is sent by the operation system of agent bank.Particularly, in the time need being used third party's deposit and management service by the client of agent bank, can be by being instructed to the associative operation of being assigned the business that to handle by the operation system of agent bank by the cabinet dough figurine person of agent bank or other modes (as Mobile banking, the Internet bank etc.), operation system sends transaction request according to this operational order to the device of acting deposit and management service of third party, and this transaction request is used for request broker bank and handles this third party's deposit and management service of this client for it.
S102, the device of acting deposit and management service of third party be according to the described transaction request of rule treatments by the core system mandate of agent bank, and be recorded in the Transaction Information that produces in the process of handling described transaction request.In the present embodiment, the core system of agent bank is in advance to the device mandate of acting deposit and management service of third party, make it after receiving the transaction request that is sent by the operation system of agent bank, handle described transaction request according to the rule that is authorized to, promptly handle by this third party's deposit and management service of the client of agent bank, and the Transaction Information that produces in the process of handling this third party's deposit and management service is carried out record according to described transaction request.
S103 sends to described core system at predetermined instant in batches with described Transaction Information and registers.In the present embodiment, described predetermined instant is that day terminal hour is carved.Day terminal hour, the device of acting deposit and management service of third party sends to the core system of agent bank in batches with whole Transaction Informations of day interocclusal record, register by it, thereby the Transaction Information between the device of the core system that makes agent bank and acting deposit and management service of third party is consistent.It should be appreciated by those skilled in the art that present embodiment is exemplary illustration technical scheme of the present invention only, the present invention is not limited thereto, described predetermined instant also can be agent bank settle accounts other constantly or be provided with according to actual needs other constantly.
From the above, the embodiment of the invention is passed through the device mandate of the core system of agent bank to acting deposit and management service of third party, when making in the daytime, the device of acting deposit and management service of third party is after receiving the transaction request that is sent by the operation system of agent bank, according to this transaction request of rule treatments of authorizing, and do not need its online core system that sends to agent bank is handled, thereby can not improve the accuracy of transaction processing because of influencing the normal process of transaction request with the mutual failure of core system.Day terminal hour, the device of acting deposit and management service of third party again with day interocclusal record whole Transaction Informations core system of sending to agent bank in batches register, this has reduced the information interaction times between system to a great extent, the consistance of Transaction Information between the system that has improved has alleviated day right pressure of end-nucleus.
With reference to figure 2, be the process flow diagram of embodiment two of the method for a kind of acting deposit and management service of third party of the present invention.As shown in Figure 2, described method comprises at least:
S201, identical with S101 among the embodiment one, repeat no more here.
S202, identical with S102 among the embodiment one, repeat no more here.
S203, the device of acting deposit and management service of third party generates the Transaction Information file at predetermined instant according to described Transaction Information, and described Transaction Information file sent to described core system. in the present embodiment, described predetermined instant is that day terminal hour is carved, as mentioned above, described predetermined instant also can settle accounts for agent bank other constantly or be provided with according to actual needs other constantly. particularly, the device of acting deposit and management service of third party can be with Transaction Information file of whole Transaction Informations generations of day interocclusal record, unified batch sends to described core system, also can be at Transaction Information dissimilar, the Transaction Information of interocclusal record generates different Transaction Information files with day, send to described core system respectively in batches, for example, whole information of opening an account of interocclusal record generate the file of opening an account with day, whole flowing water information of transferring accounts of interocclusal record generate the chronological file etc. of transferring accounts with day, and correspondingly, the Transaction Information file can comprise: the file of opening an account, the chronological file of transferring accounts.
S204, described core system receives described Transaction Information file, registers the Transaction Information in the described Transaction Information file, and the record enrollment results.Particularly, after core system receives described Transaction Information file, check the information (as name, sex, type of credential, passport NO. or account name etc.) in the Transaction Information file item by item, the registration Transaction Information, and the record enrollment results, described enrollment results comprises: registration success or registration failure.
S205, described core system sends to described enrollment results in the device of described acting deposit and management service of third party.In the present embodiment, the device of described acting deposit and management service of third party can be handled accordingly according to the enrollment results that receives, for example: when enrollment results is registration failure, retransmits the Transaction Information file in the given time and register successfully guaranteeing.
From the above, adopt the embodiment of the invention, the device of acting deposit and management service of third party day terminal hour according to day interocclusal record whole Transaction Informations generate the Transaction Information files, the core system that sends it to agent bank is again registered, the batch of having realized Transaction Information sends and registration, reduce the information interaction times between system to a great extent, helped the consistance of Transaction Information between the raising system.
In embodiments of the present invention, described rule of being authorized by agent bank comprises: account management rule and financial management rule, set forth the present invention respectively according to the embodiment that account management is regular and the financial management rule is carried out account management and financial management below in conjunction with Fig. 3 and Fig. 4 by the core system mandate of agent bank.
With reference to figure 3, be the idiographic flow that example illustrates account management of the present invention to open an account.As shown in Figure 3, comprise at least for the bank settlement account of being opened agent bank by the client of agent bank:
S301, the device of acting deposit and management service of third party receives the request of opening an account that is sent by the operation system of agent bank, the described request of opening an account comprises by the client's of agent bank information, described information is used to open the bank settlement account of agent bank, particularly, described information can comprise: client's name, sex, certificate classification, passport NO., address, phone etc.;
S302, according to account management rule by the core system mandate of agent bank, according to the described request of opening an account for being opened the bank settlement account of agent bank by the client of agent bank, and the record information of opening an account;
S303, day terminal hour, with this open an account information with day other information of opening an account of interocclusal record generate the file of opening an account;
S304 sends to the described file of opening an account the core system of agent bank.
S305, the core system of agent bank receives the described file of opening an account, and registers the information of opening an account in the described file of opening an account and writes down enrollment results.Particularly, after core system receives the described file of opening an account, check the information (as customer name, sex, certificate classification, passport NO., address, phone etc.) in the file of opening an account item by item, register the information of opening an account, and the record enrollment results, described enrollment results comprises: registration success or registration failure.
S306, the core system of agent bank sends to described enrollment results in the device of acting deposit and management service of third party.In the present embodiment, the device of described acting deposit and management service of third party can be handled accordingly according to the enrollment results that receives, for example: when enrollment results is registration failure, retransmits the file of opening an account in the given time and register successfully guaranteeing.
From the above, adopt the embodiment of the invention, make acting deposit and management service of third party device receive open an account the request after, open the bank settlement account of agent bank for the client according to the account management rule of authorizing, day terminal hour, again according to day interocclusal record whole information of opening an account generate the file of opening an account, the core system that sends it to agent bank is registered, rather than whenever open an account and just send the information of once opening an account, thereby reduced the probability of the situation of the information inconsistency that occurs opening an account between system, guarantee the consistance of the information of opening an account between system, alleviated day right pressure of end-nucleus.
In addition, the device of acting deposit and management service of third party can also be according to the account management rule of authorizing for to be acted on behalf of other account class business by agent bank, as: for contracted by the account of agent bank's acting deposit and management service of third party, Account Changes and account terminate an agreement.
Wherein, the device of acting deposit and management service of third party processing account is signatory comprises:
Transmit a request to by the operation system of agent bank, verification is by the client's of agent bank information;
For opened bank settlement account, the account executive of agent bank by the client of agent bank;
CAMEL-Subscription-Information is sent to the system of the company that manages financial transaction;
Registration is by the client's of agent bank the information of opening an account.
The device of acting deposit and management service of third party is handled Account Changes and is comprised:
Transmit a request to by the operation system of agent bank, verification is by the client's of agent bank information;
The change client is at bank settlement account, the account executive of agent bank.
The device processing account of acting deposit and management service of third party is terminated an agreement and is comprised:
Transmit a request to by the operation system of agent bank, verification is by the client's of agent bank information;
Transmit a request to the system of the company that manages financial transaction, remove contract signing relationship;
Remove with by the client's of agent bank contract signing relationship.
With reference to figure 4, transferring accounts with the silver card is the idiographic flow that example illustrates financial management of the present invention.As shown in Figure 4, transfer accounts and comprise at least for carried out silver card by the client of agent bank:
S401, the device of acting deposit and management service of third party receive the silver card transfer request that is sent by the operation system of agent bank;
S402, according to the financial management rule by the core system mandate of agent bank, according to described silver card transfer request, the registration flowing water information of transferring accounts in the flowing water table is revised the remaining sum of related account, and the record flowing water information of transferring accounts.Wherein, described related account comprises: described by the bank settlement account of the bank settlement account of agent bank, described agent bank, stock trader's security exchange fund account.
Particularly, step S402 can may further comprise the steps:
Check that whether the stock trader system is at the business state;
When the stock trader system during state, checks the bank settlement account of whether having been opened agent bank by the client of agent bank of initiating this silver card transfer request in business;
If this client has opened the bank settlement account of agent bank, check then whether the flowing water information of transferring accounts is complete, whether compliant;
Flowing water information completely and compliant if transfer accounts are then registered the flowing water information of transferring accounts in the flowing water table;
According to the flowing water information correction account balance of transferring accounts.
S403, day terminal hour, whole flowing water information of transferring accounts of interocclusal record generate the chronological file of transferring accounts with day;
S404 sends to the described chronological file of transferring accounts the core system of agent bank.
S405, the core system of agent bank receives the described chronological file of transferring accounts, register the flowing water information of transferring accounts in the described chronological file of transferring accounts, and record enrollment results. particularly, after core system receives the described chronological file of transferring accounts, check the accounts information in the flowing water information of transferring accounts item by item, in the record of core system, find corresponding with it account, transfer accounts the flowing water information registering under corresponding account with every again, write down enrollment results then, described enrollment results comprises: registration success or registration failure.
S406, the core system of agent bank sends to described enrollment results in the device of acting deposit and management service of third party.Equally, in the embodiment of the invention, the device of acting deposit and management service of third party can be handled accordingly according to the enrollment results that receives, for example: when enrollment results is registration failure, retransmits the chronological file of transferring accounts in the given time and register successfully guaranteeing.
From the above, adopt the embodiment of the invention, make the device of acting deposit and management service of third party after receiving silver card transfer request, regular according to the financial management of authorizing for to be transferred accounts by the client of agent bank, day terminal hour, the device of acting deposit and management service of third party again according to day interocclusal record whole flowing water information of transferring accounts generate the chronological file of transferring accounts, the core system that sends it to agent bank is registered, avoided and core system between repeatedly information interaction, improve the consistance of the flowing water information of transferring accounts between the accuracy of Processing Ag card money transfer transactions and system, alleviated day right pressure of end-nucleus.
In addition, the device of acting deposit and management service of third party can also be according to other account class business of financial management rule treatments of authorizing, and described other account class business comprise: transfer accounts and retransmit and transfer accounts and just dashing.
Wherein, the device of acting deposit and management service of third party is handled to transfer accounts to retransmit and is comprised:
Whether the inspection flowing water of transferring accounts is to retransmit flowing water;
If repeating transmission flowing water, then check the state of the former flowing water of transferring accounts;
If the former flowing water of transferring accounts has clear and definite result, then directly return transaction results, if the former flowing water of transferring accounts does not have clear and definite result, then inquire about transaction results.
The device of acting deposit and management service of third party is handled to transfer accounts to dash and is just comprised:
To being instructed by the operation system of agent bank or stock trader system Sending Payments;
Reception is by the result of the operation system of agent bank or the transmission of stock trader system;
When not receiving result or result when unusual, transfer accounts towards positive order to being sent by the operation system of agent bank or stock trader system;
Reception is transferred accounts towards positive result by the operation system of agent bank or the transmission of stock trader system.
In addition, the device of acting deposit and management service of third party can also be handled unusual transaction, and it comprises:
Check whether transaction is unusual transaction;
When being judged as when being, judge the reason that transaction is unusual according to type of transaction;
Again to the transaction request that is sent this transaction by the operation system of agent bank or stock trader system;
Reception is by the transaction processing result of the operation system of agent bank or the transmission of stock trader system;
Registration transaction processing result.
Need to prove, be the idiographic flow of example explanation financial management of the present invention just more than with Processing Ag card transfer request, but financial management of the present invention is not limited to the financial management of security fund, the present invention can also be applied to futures, fund, the financial management of transaction funds such as house property, as: when the device of acting deposit and management service of third party receives silver phase transfer request, also can carry out the silver phase based on above-mentioned flow process transfers accounts, transfer accounts and retransmit and transfer accounts and just dashing, particularly, in Processing Ag phase during transfer request, the actual futures business fund account that schedules to last the trader of above-mentioned stock trader's security exchange fund account, the actual trader system that schedules to last of stock trader system, the present invention handles fund, the idiographic flow of the financial management of transaction funds such as house property and above-mentioned flow process are similar, repeat no more here.
In embodiments of the present invention, in order to guarantee the consistance of Transaction Information between system better, can also be after core system be registered Transaction Information, carry out checking step, that is: check Transaction Information and the core system of described agent bank of the device recording of acting deposit and management service of third party, whether the Transaction Information in the stock trader system consistent, and when inconsistent, handle according to the rule that sets in advance.
Particularly, described checking can comprise: account is checked with account and is checked.
Account is checked and is specially: whether the information of opening an account of core system registration of the information of opening an account and agent bank of device recording of checking acting deposit and management service of third party is consistent, and whether the information of opening an account of device recording of checking acting deposit and management service of third party is consistent with the information of opening an account in the stock trader system, when inconsistent, handle according to the rule that sets in advance.Particularly, the described rule that sets in advance is:
When opening an account during information inconsistency of the core system registration of the information of opening an account of the device recording of acting deposit and management service of third party and agent bank, the information of opening an account with the device recording of acting deposit and management service of third party is as the criterion, the information of opening an account of the core system registration of change agent bank;
When opening an account during information inconsistency in the information of opening an account of the device recording of acting deposit and management service of third party and the stock trader system, be as the criterion the information of opening an account in the change stock trader system with the information of opening an account of the device recording of acting deposit and management service of third party.
Whether day whole account: it is consistent to check the flowing water information of transferring accounts that the flowing water information of transferring accounts and the core system of agent bank of the device recording of acting deposit and management service of third party register if being checked and is specially, and whether the flowing water information of transferring accounts of device recording of checking acting deposit and management service of third party is consistent with the flowing water information of transferring accounts in the stock trader system, when inconsistent, handle according to the rule that sets in advance.Particularly, the described rule that sets in advance is:
When transferring accounts during the flowing water information inconsistency of the core system registration of transfer accounts the flowing water information and the agent bank of the device recording of acting deposit and management service of third party, the flowing water information of registering with the core system of agent bank of transferring accounts is as the criterion, the flowing water information of transferring accounts that writes down in the device of change acting deposit and management service of third party;
When transferring accounts during the flowing water information inconsistency in the flowing water information of transferring accounts of the device recording of acting deposit and management service of third party and the stock trader system, be as the criterion the flowing water information of transferring accounts in the change stock trader system with the flowing water information of transferring accounts of the device recording of acting deposit and management service of third party.
From the above, the embodiment of the invention is by introducing checking step, the core system of the Transaction Information of the device recording of acting deposit and management service of third party and agent bank, the consistance of Transaction Information in the stock trader system are checked, and according to the rule that sets in advance inconsistent Transaction Information is handled, further guaranteed the consistance of Transaction Information between system.
In embodiments of the present invention, the device of acting deposit and management service of third party can also be cleared processing according to the Transaction Information after checking after checking finishing, clearance position between the device of statistics agent third party deposit and management service and the core system of agent bank, the stock trader system, the clearance book keeping operation data of generation acting deposit and management service of third party.
In addition, the device of acting deposit and management service of third party can also generate the bordereaux of acting deposit and management service of third party according to the Transaction Information of its record, to satisfy the needs of business statistics and supervision.
Need to prove that third party's deposit and management service that the bordereaux service is equally applicable to act on behalf of transaction funds such as futures, fund, house property is handled and generated to above-mentioned checking step, clearance.
With reference to figure 5, be the structural representation of the system of a kind of acting deposit and management service of third party of the present invention.As shown in Figure 5, the system 5 of described acting deposit and management service of third party comprises at least: the device 51 of acting deposit and management service of third party and the core system 52 of agent bank.
Particularly, the device 51 of acting deposit and management service of third party is used to receive the transaction request that is sent by the operation system of agent bank, according to the described transaction request of rule treatments of authorizing by the core system 52 of agent bank, and be recorded in the Transaction Information that produces in the process of handling described transaction request, at predetermined instant the core system 52 that described Transaction Information sends to agent bank is in batches registered.The core system 52 of agent bank is used to receive the also Transaction Information of device 51 transmissions of enrollment proxy third party deposit and management service.
From the above, the embodiment of the invention is passed through the device mandate of the core system of agent bank to acting deposit and management service of third party, make the device of acting deposit and management service of third party according to the rule treatments transaction request of authorizing, and do not need its online core system that sends to agent bank is handled, thereby, can not improve the accuracy of transaction processing because of influencing the normal process of transaction request with the mutual failure of core system.At predetermined instant, whole Transaction Informations that the device of acting deposit and management service of third party will write down again send to the core system of agent bank in batches and register, this has reduced the information interaction times between system to a great extent, the consistance of Transaction Information between the system that has improved has alleviated day right pressure of end-nucleus.
Below in conjunction with Fig. 6 to Fig. 9 the inner structure of the core system 52 of the device 51 of acting deposit and management service of third party and agent bank is described in detail.
With reference to figure 6, be the structural representation of the device of a kind of acting deposit and management service of third party of the present invention.As shown in Figure 6, described device 51 comprises at least:
First receiver module 511 is used to receive the transaction request that is sent by the operation system of agent bank.Particularly, in the time need being used third party's deposit and management service by the client of agent bank, can be by being instructed to the associative operation of being assigned the business that to handle by the operation system of agent bank by the cabinet dough figurine person of agent bank or other modes (as Mobile banking, the Internet bank etc.), operation system sends the transaction request of third party's deposit and management service to the device of acting deposit and management service of third party according to this operational order, this transaction request is used for request broker bank for its this third party's deposit and management service of handling this client, and first receiver module 511 is used to receive this transaction request.In addition, first receiver module 511 also is used to receive the enrollment results that the core system of agent bank sends, and described enrollment results comprises: registration success or registration failure.
Rule module 512 is used to store the rule by the core system mandate of agent bank.In embodiments of the present invention, the core system of agent bank is the device mandate of acting deposit and management service of third party in advance, and the rale store of its mandate is in rule module 512.
Logging modle 514 is used for being recorded in the Transaction Information that process that Service Processing Module 513 handles described transaction request produces;
Transaction Information sending module 515 is used at predetermined instant the core system that the Transaction Information of described logging modle 514 records sends to agent bank in batches being registered.In embodiments of the present invention, described predetermined instant is that day terminal hour is carved, it should be appreciated by those skilled in the art, present embodiment is exemplary illustration technical scheme of the present invention only, the present invention is not limited thereto, described predetermined instant also can be agent bank settle accounts other constantly or be provided with according to actual needs other constantly.In addition, described Transaction Information sending module 515 also is used for carrying out corresponding operating according to the enrollment results that first receiver module 511 receives, for example, when enrollment results was registration failure, Transaction Information sending module 515 can be retransmitted Transaction Information in the given time and register successfully guaranteeing.
From the above, adopt the embodiment of the invention, the transaction request that the device of acting deposit and management service of third party can receive for the rule treatments of its mandate according to core system, day terminal hour, again with day interocclusal record whole Transaction Informations core system of sending to agent bank in batches register, reduced the information interaction times with the core system of agent bank to a great extent, the consistance of Transaction Information between the system that has improved.
In another embodiment of the device of a kind of acting deposit and management service of third party of the present invention, the device of acting deposit and management service of third party can also comprise checks module, the described module of checking is used to check Transaction Information and the described core system that described logging modle writes down, whether the Transaction Information in the stock trader system is consistent, and when inconsistent, handle according to the rule that sets in advance. in embodiments of the present invention, described predetermined instant is that day terminal hour is carved, as mentioned above, described predetermined instant also can be agent bank settle accounts other constantly or be provided with according to actual needs other constantly.
Particularly, checking module is used to carry out account and checks with account and check.
Account is checked and is specially: whether the information of opening an account of checking the logging modle record is consistent with the information of opening an account of the core system registration of agent bank, whether and it is consistent with the information of opening an account in the stock trader system to check the information of opening an account of logging modle record, when inconsistent, handle according to the rule that sets in advance.Correspondingly, the described rule that sets in advance is:
When opening an account during information inconsistency of the core system registration of the information of opening an account of logging modle record and agent bank, be as the criterion the information of opening an account that the core system of change agent bank is registered with the information of opening an account of logging modle record;
When opening an account during information inconsistency in the information of opening an account of logging modle record and the stock trader system, be as the criterion with the information of opening an account of logging modle record, change the information of opening an account in the stock trader system.
Whole account was checked and was specially day: whether the flowing water information of transferring accounts of checking the logging modle record is consistent with the flowing water information of transferring accounts of the core system registration of agent bank, whether and it is consistent with the flowing water information of transferring accounts in the stock trader system to check the flowing water information of transferring accounts of logging modle record, when inconsistent, handle according to the rule that sets in advance.Correspondingly, the described rule that sets in advance is:
When transferring accounts during the flowing water information inconsistency of the core system registration of transfer accounts flowing water information and the agent bank of logging modle record, be as the criterion the flowing water information of transferring accounts that the change logging modle writes down with the flowing water information of transferring accounts of the core system registration of agent bank;
When transferring accounts during the flowing water information inconsistency in the flowing water information of transferring accounts of logging modle record and the stock trader system, be as the criterion with the flowing water information of transferring accounts of logging modle record, change the flowing water information of transferring accounts in the stock trader system.
From the above, adopt the embodiment of the invention, the device of acting deposit and management service of third party can be checked the Transaction Information of its record and the core system of agent bank by checking module, whether Transaction Information in the stock trader system is consistent, and when inconsistent, according to the rule that sets in advance inconsistent Transaction Information is handled, remove inconsistent situation, thereby further guaranteed the consistance of Transaction Information between system.
In embodiments of the present invention, the device of acting deposit and management service of third party can also comprise the clearance module, be used for check module finish day end-nucleus to after, clear processing according to the Transaction Information after the checking in the logging modle, clearance position between the device of statistics agent third party deposit and management service and the core system of agent bank, the stock trader system, the clearance book keeping operation data of generation acting deposit and management service of third party.
The device of acting deposit and management service of third party can also comprise the statistical report form module, is used for generating according to the Transaction Information of logging modle record the bordereaux of acting deposit and management service of third party, to satisfy the needs of business statistics and supervision.
In addition, the device of acting deposit and management service of third party also can comprise the management platform module, is used for the operation and the maintenance of acting deposit and management service of third party platform, as beginning substitute service, stopping substitute service etc.
Need to prove, the above-mentioned function of checking module, clearance module, statistical report form module and management platform module also can be applied to act on behalf of in third party's deposit and management service of transaction funds such as futures, fund, house property, particularly, the stock trader system schedules to last the system of the company of trader system or other operation financial transactions.
With reference to figure 7, be the structural representation of the Service Processing Module in the device of acting deposit and management service of third party of the present invention.As shown in Figure 7, Service Processing Module 513 comprises: accounts information administration module 5131 and silver are demonstrate,proved the module 5132 of transferring accounts.
Wherein, the transaction request that accounts information administration module 5131 is used for when described first receiver module receives is when opening an account request, open the bank settlement account of described agent bank according to the account management rule of rule module storage. in addition, accounts information administration module 5131 can also be according to other account class business of account management rule treatments of rule module storage, and described other account class business comprise: account is signatory, Account Changes and account are terminated an agreement.
Silver card transfer accounts module 5132 be used for when transaction request that described first receiver module receives be that silver is when demonstrate,proving transfer request, financial management rule according to the rule module storage is registered the flowing water information of transferring accounts in the flowing water table, revise the remaining sum of related account, wherein, described related account comprises: described by the bank settlement account of the bank settlement account of agent bank, described agent bank, stock trader's security exchange fund account.In addition, silver card transfer accounts module 5132 also be used for when transaction request that described first receiver module receives be that silver is when demonstrate,proving transfer request, according to other account class business of financial management rule treatments of rule module storage, described other account class business comprise: transfer accounts and retransmit or transfer accounts and just dashing.
Handle the idiographic flow of the request of opening an account and other account class business about accounts information administration module 5131, and the transfer accounts idiographic flow of module 5132 Processing Ag card transferred account service and other account class business of silver card, see also the present invention according to by the account management rule of the core system mandate of agent bank and the embodiment part that the financial management rule is carried out account management and financial management.
Need to prove, the function of above-mentioned Service Processing Module also can be applied to act on behalf of futures, fund, in third party's deposit and management service of transaction funds such as house property, as: when first receiver module receives silver phase transfer request, the silver card module 5132 of transferring accounts also can be carried out the silver phase based on above-mentioned functions and transferred accounts, transfer accounts and retransmit and transfer accounts and just dashing, particularly, in Processing Ag phase during transfer request, the actual futures business fund account that schedules to last the trader of above-mentioned stock trader's security exchange fund account, the actual trader system that schedules to last of stock trader system, Service Processing Module is handled fund, the embodiment and the above-mentioned embodiment of third party's deposit and management service of transaction funds such as house property are similar, repeat no more here.
With reference to figure 8, be the structural representation of the Transaction Information sending module 515 in the device of acting deposit and management service of third party of the present invention.As shown in Figure 8, Transaction Information sending module 515 comprises:
First sending module 5152, the core system that is used for the Transaction Information file that generation module 5151 generates is sent to described agent bank is registered.
From the above, adopt the embodiment of the invention, the device of acting deposit and management service of third party day terminal hour by generation module 5151 with day interocclusal record whole Transaction Informations generate the Transaction Information files, the core system that sends it to agent bank is again registered, the batch of having realized Transaction Information sends, help the information interaction times between the minimizing system, and then help the consistance of Transaction Information between the raising system.
With reference to figure 9, be the structural representation of the core system of agent bank of the present invention.As shown in Figure 9, the core system 52 of described agent bank comprises at least:
In sum, the methods, devices and systems of a kind of acting deposit and management service of third party of the present invention, core system by agent bank is to the device mandate of acting deposit and management service of third party, make its according to the rule treatments that is authorized to by third party's deposit and management service of agent bank, reduced in other banks of agency and handled the device of acting deposit and management service of third party in third party's deposit and management service process and the information interaction times of core system, improve the consistance of Transaction Information between the accuracy of transaction processing and system, alleviated day right pressure of end-nucleus.
Through the above description of the embodiments, those skilled in the art can be well understood to the present invention and can realize by the mode of software combined with hardware platform, can certainly all implement by hardware.Based on such understanding, all or part of can the embodying that technical scheme of the present invention contributes to background technology with the form of computer software product, this computer software product can be stored in the storage medium, as ROM/RAM, magnetic disc, CD etc., comprise that some instructions are with so that a computer equipment (can be a personal computer, server, the perhaps network equipment etc.) carry out the described method of some part of each embodiment of the present invention or embodiment.
More than disclosed only be the specific embodiment of the present invention; only be used for the present invention is illustrated; can not limit the present invention's protection domain with this; those skilled in the art can carry out various modifications, variation or replacement under the prerequisite that does not break away from essence of the present invention; therefore; according to the various equivalent variations that the present invention did, still belong to the scope that the present invention is contained.
Claims (16)
1. the method for an acting deposit and management service of third party is characterized in that, described method comprises:
The device of acting deposit and management service of third party receives the transaction request that is sent by the operation system of agent bank;
According to the described transaction request of rule treatments, and be recorded in the Transaction Information that produces in the process of handling described transaction request by the core system mandate of agent bank;
At predetermined instant described Transaction Information being sent to described core system in batches registers.
2. method according to claim 1 is characterized in that, describedly at predetermined instant described Transaction Information is sent to described core system in batches and registers and comprise:
The device of described acting deposit and management service of third party generates the Transaction Information file at predetermined instant according to described Transaction Information, and described Transaction Information file is sent to described core system;
Described core system receives described Transaction Information file, registers the Transaction Information in the described Transaction Information file, and the record enrollment results;
Described core system sends to described enrollment results in the device of described acting deposit and management service of third party.
3. method according to claim 1 and 2 is characterized in that, the rule of described core system mandate by agent bank comprises:
The account management rule and the financial management rule of described agent bank.
4. method according to claim 3, it is characterized in that, when described transaction request is that described basis is: the bank settlement account of opening described agent bank according to described account management rule when opening an account request by the described transaction request of rule treatments of the core system mandate of agent bank.
5. method according to claim 3, it is characterized in that, when described transaction request is silver card transfer request, described basis is comprised by the described transaction request of rule treatments of the core system mandate of agent bank: register the flowing water information of transferring accounts according to described financial management rule in the flowing water table, revise the remaining sum of related account;
Wherein, described related account comprises: described by the bank settlement account of the bank settlement account of agent bank, described agent bank, stock trader's security exchange fund account.
6. method according to claim 5, it is characterized in that, when described transaction request was silver card transfer request, described basis was also comprised by the described transaction request of rule treatments of the core system mandate of agent bank: transfer accounts according to described financial management rule and retransmit or transfer accounts and just dashing.
7. method according to claim 1 and 2 is characterized in that, described Transaction Information is sent in batches after described core system registers at predetermined instant described, and described method also comprises:
Whether the described Transaction Information of device recording of checking described acting deposit and management service of third party is consistent with the Transaction Information in described core system, the stock trader system, when inconsistent, handles according to the rule that sets in advance.
8. the device of an acting deposit and management service of third party is characterized in that, described device comprises:
First receiver module is used to receive the transaction request that is sent by the operation system of agent bank;
Rule module is used to store the rule by the core system mandate of agent bank;
Service Processing Module is used for the described transaction request of rule treatments according to described core system mandate by agent bank;
Logging modle is used for being recorded in described Service Processing Module and handles the Transaction Information that the process of described transaction request produces;
The Transaction Information sending module is used for sending to described core system in batches at the Transaction Information that predetermined instant writes down described logging modle and registers.
9. device according to claim 8 is characterized in that, described Transaction Information sending module comprises:
Generation module is used at the Transaction Information generation Transaction Information file of predetermined instant according to described logging modle record;
First sending module is used for that described Transaction Information file is sent to described core system and registers.
10. according to Claim 8 or 9 described devices, it is characterized in that the rule by the core system mandate of agent bank of described rule module storage comprises:
The account management rule and the financial management rule of described agent bank.
11. device according to claim 10 is characterized in that, described Service Processing Module comprises:
The accounts information administration module, the transaction request that is used for when described first receiver module receives is when opening an account request, opens the bank settlement account of described agent bank according to described account management rule.
12. device according to claim 10 is characterized in that, described Service Processing Module comprises:
The silver card module of transferring accounts is used to be achieved as follows operation: when the transaction request that receives when described first receiver module is silver card transfer request, register the flowing water information of transferring accounts according to described financial management rule in the flowing water table, the remaining sum of modification related account;
Wherein, described related account comprises: described by the bank settlement account of the bank settlement account of agent bank, described agent bank, stock trader's security exchange fund account.
13. device according to claim 12, it is characterized in that, the described silver card module of transferring accounts also is used to be achieved as follows operation: when the transaction request that receives when described first receiver module is silver card transfer request, transfers accounts according to described financial management rule and to retransmit or transfer accounts and just dashing.
14. according to Claim 8 or 9 described devices, it is characterized in that, described device also comprises checks module, whether the Transaction Information that is used for checking described logging modle record is consistent with the Transaction Information of described core system, stock trader system, when inconsistent, handle according to the rule that sets in advance.
15. the system of an acting deposit and management service of third party is characterized in that, described system comprises: the core system of the device of any described acting deposit and management service of third party and agent bank among the claim 8-14;
The core system of described agent bank is used to receive and register the Transaction Information that the device of described acting deposit and management service of third party sends.
16. system according to claim 15 is characterized in that, the core system of described agent bank comprises:
Second receiver module is used to receive described Transaction Information;
Registration Module is used to register described Transaction Information, and the record enrollment results;
Second sending module is used for sending described enrollment results to described first receiver module.
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| CN200910204561A CN101706935A (en) | 2009-12-01 | 2009-12-01 | Method, device and system for acting deposit and management service of third party |
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| CN200910204561A CN101706935A (en) | 2009-12-01 | 2009-12-01 | Method, device and system for acting deposit and management service of third party |
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| CN200910204561A Pending CN101706935A (en) | 2009-12-01 | 2009-12-01 | Method, device and system for acting deposit and management service of third party |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102956000A (en) * | 2011-08-18 | 2013-03-06 | 招商银行股份有限公司 | Method and device for payment intermediation transaction data processing and payment intermediation network system |
| CN104268767A (en) * | 2014-10-22 | 2015-01-07 | 中国建设银行股份有限公司 | Core service object consistency processing method and core service object agency |
| CN108242021A (en) * | 2016-12-26 | 2018-07-03 | 航天信息股份有限公司 | A kind of processing system of accounting data, method and device |
| CN109711980A (en) * | 2018-12-27 | 2019-05-03 | 中国建设银行股份有限公司 | Reconciliation form processing method, device, storage medium and system |
| CN110232565A (en) * | 2019-05-20 | 2019-09-13 | 平安银行股份有限公司 | Resource liquidation method, device, computer equipment and storage medium |
| CN110232571A (en) * | 2019-06-04 | 2019-09-13 | 中国工商银行股份有限公司 | Inter-bank receives forms data processing method, apparatus and system |
| CN110730224A (en) * | 2019-09-30 | 2020-01-24 | 深圳市金证前海金融科技有限公司 | Data reporting method and device |
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| CN112330452A (en) * | 2020-11-17 | 2021-02-05 | 杭州大搜车汽车服务有限公司 | Transaction data processing method and device, computer equipment and storage medium |
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| CN102956000A (en) * | 2011-08-18 | 2013-03-06 | 招商银行股份有限公司 | Method and device for payment intermediation transaction data processing and payment intermediation network system |
| CN104268767A (en) * | 2014-10-22 | 2015-01-07 | 中国建设银行股份有限公司 | Core service object consistency processing method and core service object agency |
| CN108242021A (en) * | 2016-12-26 | 2018-07-03 | 航天信息股份有限公司 | A kind of processing system of accounting data, method and device |
| CN109711980A (en) * | 2018-12-27 | 2019-05-03 | 中国建设银行股份有限公司 | Reconciliation form processing method, device, storage medium and system |
| CN110232565B (en) * | 2019-05-20 | 2023-09-05 | 平安银行股份有限公司 | Resource clearing method, device, computer equipment and storage medium |
| CN110232565A (en) * | 2019-05-20 | 2019-09-13 | 平安银行股份有限公司 | Resource liquidation method, device, computer equipment and storage medium |
| CN110232571A (en) * | 2019-06-04 | 2019-09-13 | 中国工商银行股份有限公司 | Inter-bank receives forms data processing method, apparatus and system |
| CN110730224A (en) * | 2019-09-30 | 2020-01-24 | 深圳市金证前海金融科技有限公司 | Data reporting method and device |
| CN110730224B (en) * | 2019-09-30 | 2021-12-03 | 深圳市金证前海金融科技有限公司 | Data reporting method and device |
| CN112258310A (en) * | 2020-09-30 | 2021-01-22 | 上海艾融软件股份有限公司 | Resource processing method, device and system |
| CN112330452A (en) * | 2020-11-17 | 2021-02-05 | 杭州大搜车汽车服务有限公司 | Transaction data processing method and device, computer equipment and storage medium |
| CN112330452B (en) * | 2020-11-17 | 2024-04-23 | 杭州大搜车汽车服务有限公司 | Transaction data processing method, device, computer equipment and storage medium |
| CN113034291A (en) * | 2021-04-29 | 2021-06-25 | 中国工商银行股份有限公司 | Method and device for exporting fund transaction processing result |
| CN113034291B (en) * | 2021-04-29 | 2024-07-02 | 中国工商银行股份有限公司 | Fund transaction processing result export method and device |
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Application publication date: 20100512 |