CN101916421A - Foreign exchange remittance service processing method and system - Google Patents

Abstract

The invention discloses a foreign exchange remittance service processing method, which comprises that: an acceptance terminal generates a service application message carrying path information for processing the foreign exchange remittance service according to foreign exchange remittance service information; the acceptance terminal sends the service application message to a scheduling subsystem; and the scheduling subsystem receives and analyzes the service application message to obtain the path information, calls overseas and domestic financial data processing subsystems to process the foreign exchange remittance service according to the path information, and returns a service processing result message to the acceptance terminal. Correspondingly, the invention also provides a foreign exchange remittance service processing system, which comprises the acceptance terminal, the scheduling subsystem and the overseas and domestic financial data processing subsystems. The acceptance terminal and the overseas and domestic financial data processing subsystems are integrated and connected by the scheduling subsystem, and the independent operation of each system is avoided, and the expansion of the foreign exchange remittance service network is facilitated.

Description

A kind of foreign exchange remittance service processing method and system

Technical field

The present invention relates to the financial business process field, relate in particular to a kind of foreign exchange remittance service processing method and system.

Background technology

At present, domestic financial institution can handle the remittance in foreign currencies business in the following way: at first, domestic financial institution lands the offshore banking organization web by the accepting terminal online that authenticates through offshore banking mechanism and handles the remittance in foreign currencies business, then, domestic financial institution finishes remittance fund receipt and payment to the remittance in foreign currencies client by transaction processing system separately again, business such as Foreign Exchange Settlement and Sale, at the everyday terminal hour of concluding the business, domestic financial institution finishes fund clearing in transaction processing system separately, at last, domestic financial institution finishes balance of international payments by balance of international payments declaration system separately and declares.The topological diagram of remittance in foreign currencies transaction processing system of the prior art as shown in Figure 1.In Fig. 1, topological diagram (1) is used for realizing that draft issued, inward remittance are separated pays, the draft issued information correction, reexchanges or business such as cancel in the offshore banking data handling system, topological diagram (2) is used for realizing that draft issued, inward remittance are separated pays, the draft issued information correction, reexchanges or cancel and business such as clients fund receipt and payment, Foreign Exchange Settlement and Sale, fund clearing in domestic finance data disposal system, topological diagram (3) is used for realizing that balance of international payments declare business in the balance of international payments declaration system.

As seen from Figure 1,3 topological diagrams are separate, and hence one can see that, and there is following deficiency in the processing mode of existing remittance in foreign currencies business:

1. the multisystem operation formality is numerous and diverse

So operating process is long, efficient is low, and there is the inconsistent possibility of data respectively in offshore banking data handling system, domestic finance data disposal system and balance of international payments declaration system individual processing in a remittance in foreign currencies service needed.

2. be unfavorable for enlarging agency network

If domestic financial institution desire increases the remittance in foreign currencies Service Agent Point, then need related proxy point separately with offshore banking mechanism discussion contract text, open the guaranty money family and develop characteristic remittance function, and need each agent point to apply for erecting act one by one, become the partner user of offshore banking mechanism one by one, therefore be unfavorable for enlarging agency network.

Summary of the invention

The objective of the invention is to: a kind of foreign exchange remittance service processing method and system are provided, are used for connecting, improve the efficient of business processing integrating with the professional relevant transaction processing system of remittance in foreign currencies.

On the one hand, the invention provides a kind of foreign exchange remittance service processing method, this method comprises:

A. accepting terminal generates professional application message according to the remittance in foreign currencies business information, and described professional application message carries the routing information of handling described remittance in foreign currencies business;

B. described accepting terminal is sent to scheduler subsystem with described professional application message;

C. described scheduler subsystem receives and resolves described professional application message, obtains described routing information, and

D. call the offshore banking data process subsystem according to described routing information and domestic finance data processing subsystem is handled described remittance in foreign currencies business, and the service processing result message is back to described accepting terminal.

Correspondingly, the present invention also provides a kind of remittance in foreign currencies transaction processing system, and this system comprises:

Accepting terminal is used for generating professional application message according to the remittance in foreign currencies business information, and should be sent to scheduler subsystem by business application message, and described professional application message carries the routing information of handling described remittance in foreign currencies business;

Scheduler subsystem, be used for reception and resolve described professional application message, obtain described routing information, and call the offshore banking data process subsystem and domestic finance data processing subsystem is handled described remittance in foreign currencies business, and the service processing result message is back to described accepting terminal according to described routing information;

Offshore banking data process subsystem and domestic finance data processing subsystem are used for handling described remittance in foreign currencies business according to calling of described scheduler subsystem.

Implement a kind of foreign exchange remittance service processing method of the present invention and system and have following beneficial effect: the business application message that scheduler subsystem sends according to accepting terminal and should business application message in the routing information that carries call the offshore banking data process subsystem and domestic finance data processing subsystem carries out business processing, thereby accepting terminal, offshore banking data process subsystem and domestic finance data processing subsystem integration are connected, avoid the independent operation of each system, and help enlarging the remittance in foreign currencies business network.

Description of drawings

Fig. 1 is the topological diagram of remittance in foreign currencies transaction processing system of the prior art.

Fig. 2 is the process flow diagram of a kind of foreign exchange remittance service processing method of the present invention.

Fig. 3 is to the process flow diagram of the disposal route of draft issued business in a kind of foreign exchange remittance service processing method of the present invention.

Fig. 4 is to the process flow diagram of the disposal route of draft issued information correction business in a kind of foreign exchange remittance service processing method of the present invention.

Fig. 5 is the process flow diagram of in a kind of foreign exchange remittance service processing method of the present invention draft issued being reexchanged or cancelling professional disposal route.

Fig. 6 separates the process flow diagram of paying professional disposal route to inward remittance in a kind of foreign exchange remittance service processing method of the present invention.

Fig. 7 is the structured flowchart of a kind of remittance in foreign currencies transaction processing system 1 of the present invention.

Fig. 8 is the structured flowchart of accepting terminal 10 in a kind of remittance in foreign currencies transaction processing system 1 of the present invention.

Fig. 9 is the structured flowchart of scheduler subsystem 11 in a kind of remittance in foreign currencies transaction processing system 1 of the present invention.

Figure 10 is the structured flowchart of domestic finance data processing subsystem 12 in a kind of remittance in foreign currencies transaction processing system 1 of the present invention.

Figure 11 is the structured flowchart of offshore banking data process subsystem 13 in a kind of remittance in foreign currencies transaction processing system 1 of the present invention.

Figure 12 is the embodiment of the topological diagram of a kind of remittance in foreign currencies transaction processing system of the present invention.

Embodiment

For the purpose, technical scheme and the advantage that make embodiments of the invention is clearer, further combined with accompanying drawing the present invention is described in detail below.

Fig. 2 is the process flow diagram of a kind of foreign exchange remittance service processing method of the present invention, and as shown in Figure 2, this method comprises:

S200, accepting terminal generates professional application message according to the remittance in foreign currencies business information, and this business application message carries the routing information of handling described remittance in foreign currencies business.Wherein, the type of described remittance in foreign currencies business comprises draft issued, draft issued information correction, draft issued is reexchanged or cancel and inward remittance is separated and paid.

S201, accepting terminal is sent to scheduler subsystem with described professional application message.

S202, scheduler subsystem receives and resolves described professional application message, obtains described routing information.Wherein, the described business application message of resolving comprises the type of resolving remittance in foreign currencies business in the professional application message.

S203, scheduler subsystem calls the offshore banking data process subsystem according to described routing information and domestic finance data processing subsystem is handled described remittance in foreign currencies business, and the service processing result message is back to accepting terminal.Wherein, domestic finance data processing subsystem comprises the kernel business of bank disposal system, Construction Bank's core business disposal system CCBS etc. for example, the offshore banking data process subsystem comprise cooperate with the local bank can be for the system of remittance in foreign currencies business, the CMT of system of for example silver-colored star speed remittance company etc.

Below, in order to further specify a kind of foreign exchange remittance service processing method of the present invention, this paper will be example with CCBS and these two finance data processing subsystems of CMT, to draft issued, draft issued information correction, draft issued is reexchanged or cancel and inward remittance is separated the disposal route of paying this remittance in foreign currencies business of four types and at length set forth respectively.

The draft issued business

Fig. 3 is to the process flow diagram of the disposal route of draft issued business in a kind of foreign exchange remittance service processing method of the present invention.As shown in Figure 3, the disposal route to the draft issued business comprises the steps:

S300, accepting terminal generates professional application message according to the draft issued business information, and described professional application message carries the routing information that described draft issued business is handled.Wherein, in the present embodiment, described professional application message is except comprising described routing information, also comprise the type information (being the draft issued business in the present embodiment) and the draft issued information of remittance in foreign currencies business, it comprises national, the information such as coin is other, money transfer amount, payee account, payee's name, payee's certificate number, the permanent state of payee, remitter's number of the account, remitter's title, remitter's certificate number, remitter's sex, remitter's date of birth, remitter address state, remitter's base, remitter's mobile phone that import.

S301, accepting terminal is sent to scheduler subsystem with described professional application message.In the present embodiment, accepting terminal applies for that with business message is sent to scheduler subsystem according to following path: accepting terminal-＞the enterprise-level bus EAIB (Enterprise Application Integration Branch) of branch-＞the enterprise-level bus EAIH of head office (Enterprise Application Integration Host)-＞scheduler subsystem.

S302, scheduler subsystem receives and resolves professional application message, obtains routing information.Wherein, scheduler subsystem is resolved professional application message and is meant the type of resolving remittance in foreign currencies business in the professional application message.Described routing information comprises:

Path 1: scheduler subsystem-＞the enterprise-level bus EAIH of head office (Enterprise Application Integration Host)-＞center is preposition-＞CCBS;

Path 2: scheduler subsystem-＞CMT;

Path 3: scheduler subsystem-＞EAIH-＞EAIB-＞accepting terminal.

S303, scheduler subsystem is called CCBS the draft issued business is handled according to routing information.In this step, described routing information is path 1, that is: scheduler subsystem-＞EAIH-＞center is preposition-＞CCBS.CCBS handles the draft issued business and is specially: the remittance abroad fund is drawn, settlement fund is registered and draft issued information is preserved, in addition, CCBS also is back to scheduler subsystem according to the reverse path in path 1 with the domestic service processing result message of draft issued, this domestic service processing result message comprises domestic Transaction Success of draft issued or failure information, after scheduler subsystem receives the domestic Transaction Success information of this draft issued, execution in step S304.Here need to prove that when this domestic service processing result message is the domestic Fail Transaction of draft issued, thereby then scheduler subsystem is back to accepting terminal with draft issued business processing failure message and finishes this transaction (not shown in the accompanying drawing).

S304, scheduler subsystem is called CMT the draft issued business is handled according to routing information.In this step, described routing information is path 2, that is: scheduler subsystem-＞CMT.CMT handles the draft issued business and is specially: generating solution pay numbering, draft issued information preserve, will the remittance status indication corresponding in CMT be with described draft issued information wait to separate pay and according to the reverse path in path 2 with draft issued overseas the service processing result message be back to scheduler subsystem.This overseas the service processing result message comprise success of draft issued off-shore transaction or failure information, after scheduler subsystem receives this draft issued off-shore transaction successful information, execution in step S305.Here need to prove, when this when overseas the service processing result message is failed for the draft issued off-shore transaction, thereby then scheduler subsystem calls that CCBS is just dashing the draft issued business and draft issued business processing failure message is back to described accepting terminal finishes this transaction (not shown in the accompanying drawing).

S305, scheduler subsystem is back to accepting terminal according to routing information with draft issued service processing result message.In this step, described routing information is path 3, that is: scheduler subsystem-＞EAIH-＞EAIB-＞accepting terminal.Wherein, described draft issued service processing result message is the success of draft issued business processing.

In addition, after to described draft issued business processing success, accepting terminal also can be initiated to declare transaction with the balance of international payments of balance of international payments declaration system, specifically comprises the steps:

Accepting terminal will be carried the application message that balance of international payments declare information and will be sent to the balance of international payments declaration system, wherein, the described balance of international payments information of declaring comprises information such as trade date, remittance Currency Type, money transfer amount, organization mechanism code, customer type, customer's identity card number, customer accounting code, customer name;

Described balance of international payments declaration system receives also and preserves these balance of international payments and declare information, this balance of international payments information of declaring is sent to the Administration of Foreign Exchange carries out balance of international payments and declare, and the result of at last balance of international payments being declared transaction is back to described accepting terminal.

In another embodiment, before step S300, disposal route to the draft issued business comprises that also accepting terminal generates pre-service application message according to the draft issued business information, and this pre-service application message is sent to scheduler subsystem according to following path: accepting terminal-＞EAIB-＞EAIH-＞scheduler subsystem, scheduler subsystem is called CMT according to following path again this draft issued business is carried out pre-service then: scheduler subsystem-＞CMT.CMT after finishing pre-service, with pre-service as a result message be back to accepting terminal according to the path opposite by scheduler subsystem and be shown to the client who initiates this draft issued business with above-mentioned path.Wherein, the information that comprises in the described pre-service application message has: money transfer amount, coin are not and import country.CMT carries out pre-service to draft issued and comprises: do not calculate service charge according to money transfer amount and coin; Check according to importing country whether this country opens the remittance in foreign currencies business.Described pre-service comprises the service charge of inward remittance and imports the information whether country opens the remittance in foreign currencies business in the message as a result.Certainly, if the remittance country of this draft issued business does not open the remittance in foreign currencies business, then need not to carry out the flow process of back.

Draft issued information correction business

Fig. 4 is to the process flow diagram of the disposal route of draft issued information correction business in a kind of foreign exchange remittance service processing method of the present invention.As shown in Figure 4, the disposal route to draft issued information correction business comprises the steps:

S400, accepting terminal generates professional application message according to draft issued information correction business information, and described professional application message carries the routing information that described draft issued information correction business is handled.Wherein, in the present embodiment, described professional application message is except comprising described routing information, the type information (that is: draft issued information correction business) and the draft issued that also comprise the remittance in foreign currencies business are revised information, and it comprises information such as payee account, payee's name and the permanent state of payee.

S401, accepting terminal is sent to scheduler subsystem with described professional application message.In the present embodiment, accepting terminal should be sent to scheduler subsystem by business application message according to following path: accepting terminal-＞EAIB-＞EAIH-＞scheduler subsystem.

S402, scheduler subsystem receives and resolves professional application message, obtains routing information.Wherein, scheduler subsystem is resolved professional application message and is meant the type of resolving remittance in foreign currencies business in the professional application message.Described routing information comprises:

Path 1: scheduler subsystem-＞EAIH-＞center is preposition-＞CCBS;

Path 2: scheduler subsystem-＞CMT;

Path 3: scheduler subsystem-＞EAIH-＞EAIB-＞accepting terminal.

S403, scheduler subsystem is called CMT draft issued information correction business is handled according to routing information.In this step, described routing information is path 2, that is: scheduler subsystem-＞CMT.CMT handles draft issued information correction business and is specially: in CMT described draft issued modification information is made amendment, in addition, CMT also according to the reverse path in path 2 with the draft issued information correction overseas the service processing result message be back to scheduler subsystem, this overseas the service processing result message comprise off-shore transaction success of draft issued information correction or failure information, after scheduler subsystem receives this draft issued information correction off-shore transaction successful information, execution in step S404.Here need to prove, when this overseas the service processing result message be draft issued information correction off-shore transaction when failure, thereby then scheduler subsystem is back to accepting terminal with draft issued information correction business processing failure message and finishes this transaction (not shown in the accompanying drawing).

S404, scheduler subsystem is called CCBS draft issued information correction business is handled according to routing information.In this step, described routing information is path 1, that is: scheduler subsystem-＞EAIH-＞center is preposition-＞CCBS.CCBS revises information service to draft issued and handles and be specially: in CCBS described draft issued modification information made amendment and according to the reverse path in path 1 the domestic service processing result message of draft issued information correction is back to scheduler subsystem.This domestic service processing result message comprises domestic Transaction Success of draft issued information correction or failure information, after scheduler subsystem receives this domestic service processing result message, and execution in step S405.

S405, scheduler subsystem is back to accepting terminal according to routing information with draft issued information correction service processing result message.In this step, described routing information is path 3, that is: scheduler subsystem-＞EAIH-＞EAIB-＞accepting terminal.Wherein, when the domestic service processing result message among the step S404 is the domestic Transaction Success of draft issued information correction, then in this step S405, described draft issued information correction service processing result message is the success of draft issued information correction business processing, otherwise then is the failure of draft issued information correction business processing.

Here also need to prove, the business personnel can be according to actual business requirement, be arranged to after the failure of draft issued information correction business processing, calling CCBS once more by scheduler subsystem handles draft issued information correction business, be repeated execution of steps S404, in addition, also can be according to actual business requirement, after the failure of draft issued information correction business processing, by accepting terminal draft issued information correction business is carried out artificial treatment in CCBS by the business personnel.

Draft issued is reexchanged or is cancelled business

The process flow diagram of in a kind of foreign exchange remittance service processing method of the present invention draft issued being reexchanged or cancelling professional disposal route as shown in Figure 5, this method comprises the steps:

S500, accepting terminal is reexchanged according to draft issued or is cancelled business information and generates professional application message, and described professional application message carries the routing information to described draft issued is reexchanged or the business of cancelling is handled.Wherein, in the present embodiment, described professional application message is except comprising described routing information, also comprise the type information (that is: draft issued is reexchanged or cancelled business) of remittance in foreign currencies business and draft issued is reexchanged or revocation information, it comprise money transfer amount, coin not, information such as payee account, payee's name, payer's number of the account, payer's title.

S501, accepting terminal is sent to scheduler subsystem with described professional application message.In the present embodiment, accepting terminal applies for that with business message is sent to scheduler subsystem according to following path: accepting terminal-＞EAIB-＞EAIH-＞scheduler subsystem.

S502, scheduler subsystem receives and resolves professional application message, obtains routing information.Wherein, scheduler subsystem is resolved professional application message and is meant the type of resolving remittance in foreign currencies business in the professional application message.Described routing information comprises:

Path 1: scheduler subsystem-＞EAIH-＞center is preposition-＞CCBS;

Path 2: scheduler subsystem-＞CMT;

Path 3: scheduler subsystem-＞EAIH-＞EAIB-＞accepting terminal.

S503, scheduler subsystem is according to routing information, calls that CMT reexchanges to draft issued or the business of cancelling is handled.In this step, described routing information is path 2, that is: scheduler subsystem-＞CMT.CMT reexchanges to draft issued or the business of cancelling is handled and is specially: in CMT will with described draft issued is reexchanged or revocation information is corresponding remittance status modifier for reexchanging or cancelling, in addition, CMT also reexchanges draft issued according to the reverse path in path 2 or cancels overseas that the service processing result message is back to scheduler subsystem, this overseas the service processing result message comprise that draft issued reexchanges or cancel off-shore transaction success or failure information, receive after this draft issued reexchanges or cancel the off-shore transaction successful information execution in step S504 in scheduler subsystem.Here need to prove, when this overseas the service processing result message be that draft issued is reexchanged or cancelled off-shore transaction when failure, thereby then scheduler subsystem is back to accepting terminal with draft issued information correction business processing failure message and finishes this transaction (not shown in the accompanying drawing).

S504, scheduler subsystem is according to routing information, calls that CCBS reexchanges to draft issued or the business of cancelling is handled.In this step, described routing information is path 1, that is: scheduler subsystem-＞EAIH-＞center is preposition-＞CCBS.CCBS reexchanges to draft issued or the business of cancelling is handled and is specially: the fund of reexchanging keep accounts account, the settlement fund of described payer's number of the account cancel, in CCBS will with described draft issued is reexchanged or revocation information is corresponding remittance status modifier for reexchanging or cancel, and draft issued is reexchanged or cancels domestic service processing result message according to the reverse path in path 1 and be back to scheduler subsystem.This domestic service processing result message comprises that draft issued reexchanges or cancel domestic Transaction Success or failure information, after scheduler subsystem receives this domestic service processing result message, and execution in step S505.

S505, scheduler subsystem is according to routing information, and draft issued is reexchanged or cancelled the service processing result message is back to accepting terminal.In this step, described routing information is path 3, that is: scheduler subsystem-＞EAIH-＞EAIB-＞accepting terminal.Wherein, when the domestic service processing result message among the step S504 is that draft issued is reexchanged or when cancelling domestic Transaction Success, then in this step S505, described draft issued is reexchanged or cancelled the service processing result message is that draft issued is reexchanged or cancelled business processing success, otherwise then reexchanges for draft issued or cancel business processing and fail.

Here also need to prove, the business personnel can be according to actual business requirement, be arranged to after draft issued is reexchanged or cancelled the business processing failure, call once more by scheduler subsystem that CCBS reexchanges to draft issued or the business of cancelling is handled, be repeated execution of steps S504, in addition, also can be according to actual business requirement, after draft issued is reexchanged or cancelled business processing failure, by accepting terminal draft issued is reexchanged or cancel the professional artificial treatment of in CCBS, carrying out by the business personnel.

Inward remittance is separated the business of paying

Fig. 6 separates the process flow diagram of paying professional disposal route to inward remittance in a kind of foreign exchange remittance service processing method of the present invention.As shown in Figure 6, inward remittance being separated a pair professional disposal route comprises the steps:

S600, accepting terminal is separated according to inward remittance and is paid the professional application of business information generation message, and described professional application message carries separates a pair professional routing information of handling to described inward remittance.Wherein, in the present embodiment, described professional application message is except comprising described routing information, the type information (that is: inward remittance separate pay professional) and the inward remittance that also comprise the remittance in foreign currencies business are separated the information of paying, it comprise payee account, payee's name, payee's certificate number, payee's type of credential, the permanent state of payee, payee's base, payee's mobile phone, money transfer amount, remittance coin not, information such as remitter's number of the account, remitter's title, remitter's certificate number remitter type of credential, remitter address state.

S601, accepting terminal is sent to scheduler subsystem with described professional application message.In the present embodiment, accepting terminal should be sent to scheduler subsystem by business application message according to following path: accepting terminal-＞EAIB-＞EAIH-＞scheduler subsystem.

S602, scheduler subsystem receives and resolves professional application message, obtains routing information.Wherein, scheduler subsystem is resolved professional application message and is meant the type of resolving remittance in foreign currencies business in the professional application message.Described routing information comprises:

Path 1: scheduler subsystem-＞EAIH-＞center is preposition-＞CCBS;

Path 2: scheduler subsystem-＞CMT;

Path 3: scheduler subsystem-＞EAIH-＞EAIB-＞accepting terminal.

S603, scheduler subsystem is according to routing information, calls CMT and inward remittance is separated the business of paying handles.In this step, described routing information is path 2, that is: scheduler subsystem-＞CMT.CMT separates the business of paying to inward remittance and handles and be specially: will separate the corresponding remittance status modifier of the information of paying for separating pair with described inward remittance in the offshore banking data process subsystem, in addition, CMT also separates inward remittance according to the reverse path in path 2 and pays overseas that the service processing result message is back to scheduler subsystem, this overseas the service processing result message comprise that inward remittance is separated and pay an off-shore transaction success or a failure information, scheduler subsystem receive this inward remittance separate pay the off-shore transaction successful information after, execution in step S604.Here need to prove, when this overseas the service processing result message be that inward remittance is separated when paying the off-shore transaction failure, thereby then scheduler subsystem is separated inward remittance and is paid a business processing failure message and be back to accepting terminal and finish this transaction (not shown in the accompanying drawing).

S604, scheduler subsystem is according to routing information, calls CCBS and inward remittance is separated the business of paying handles.In this step, described routing information is path 1, that is: scheduler subsystem-＞EAIH-＞center is preposition-＞CCBS.CCBS separates the business of paying to inward remittance and handles and be specially: keep accounts account, settlement fund registration, the inward remittance of described payee account of remittance fund separated the information of paying and preserved, and according to the reverse path in path 1 inward remittance separated and to be paid a domestic service processing result message and be back to scheduler subsystem.This domestic service processing result message comprises that inward remittance is separated and pays a domestic Transaction Success or a failure information, scheduler subsystem receive this inward remittance separate pay domestic Transaction Success information after, execution in step S605.

S605, scheduler subsystem is separated a pair service processing result message with inward remittance and is back to accepting terminal according to routing information.In this step, described routing information comprises path 3, that is: scheduler subsystem-＞EAIH-＞EAIB-＞accepting terminal.Wherein, to separate and pay a service processing result message be that inward remittance is separated and paid the business processing success to described inward remittance.

Here also need to prove, in step S604, if being inward remittance, described domestic service processing result message separates a pair domestic Fail Transaction, then scheduler subsystem is called CCBS once more and inward remittance is separated the business of paying is handled, but needs according to practical business, CCBS separated inward remittance and paid a professional process of handling and can comprise above-mentioned settlement fund registration this moment, inward remittance is separated the information of paying preservation and inward remittance is separated a pair domestic service processing result message and is back to scheduler subsystem, the keep accounts processing of account of payee account of above-mentioned remittance fund is then finished in CCBS by the business personnel, thereby closes the trade.

In addition, after described inward remittance being separated pair business processing success, accepting terminal also can be initiated to declare transaction with the balance of international payments of balance of international payments declaration system, and therefore its detailed flow process repeats no more here with identical to the corresponding description of the disposal route of draft issued business in conjunction with Fig. 3.In addition, if customer requirement is initiated the Foreign Exchange Settlement and Sale transaction, then accepting terminal also can be initiated to conclude the business with the Foreign Exchange Settlement and Sale of Foreign Exchange Settlement and Sale system, and its detailed flow process is identical with Foreign Exchange Settlement and Sale transaction of the prior art, therefore repeats no more equally here.

In another embodiment, before step S600, inward remittance separated pay a professional disposal route and comprise also that accepting terminal is separated according to inward remittance and pay a business information generated query application message, and should inquire about and apply for that message was sent to scheduler subsystem according to following path: accepting terminal-＞EAIB-＞EAIH-＞scheduler subsystem, wherein, comprise in the described inquiry application message to separate and pay a number information, scheduler subsystem is called CMT according to following path again and according to this inquiry application message described inward remittance is separated a pair business and inquire about then: scheduler subsystem-＞CMT.CMT is back to accepting terminal according to the path opposite with above-mentioned path by scheduler subsystem with the Query Result message after finishing inquiry.

It more than is detailed description to the disposal route of four types of business in a kind of remittance in foreign currencies business of the present invention.As seen, the routing information of managing business by the scheduler subsystem basis calls within the border, the offshore banking data process subsystem is handled business, thereby has improved the treatment scheme of remittance in foreign currencies business, has improved the efficient of business processing.But also need to prove here, can improve business processing flow though integrate connection by multisystem, but the transaction processing flow process of remittance in foreign currencies business still relates to a plurality of nodes, the more unavoidable like this situation that transaction interruptions can take place, therefore preferably, the present invention also provides a kind of transaction abnormality eliminating method.

Below just describe the abnormality eliminating method of concluding the business in the processing procedure to the remittance in foreign currencies business in the embodiments of the present invention in detail in conjunction with four types business in the above-mentioned remittance in foreign currencies business:

Draft issued business transaction abnormality processing

(1) if the arbitrary link among the step S301 is interrupted, professional application message does not send as yet, if accepting terminal does not have response in the predefined response time, then the automatic prompting operation of accepting terminal is overtime, this professional application failure.

(2) if the arbitrary link interruption among the step S303, if scheduler subsystem does not receive the domestic service processing result message of draft issued in the predefined response time, then scheduler subsystem is according to path 1, call CCBS and the draft issued business is just dashed handle, should dash just handling specifically and comprise the steps:

Inquire about the domestic service processing result message of described draft issued business,

When inquiring described domestic service inquiry message be the success of domestic business processing as a result, then described draft issued business is just dashed, and draft issued business processing failure message is back to accepting terminal, thereby close the trade,

When inquiring described domestic service inquiry message is the failure of domestic business processing as a result, then directly draft issued business processing failure message is back to described accepting terminal, thereby closes the trade.

(3) if the arbitrary link interruption among the step S304, if scheduler subsystem does not receive draft issued service processing result message overseas in the predefined response time, then scheduler subsystem is according to path 2, call CMT carry out overseas service inquiry and with draft issued overseas service inquiry as a result message be back to scheduler subsystem

Overseas service inquiry is when message is for the success of business processing overseas as a result when draft issued, and then scheduler subsystem is back to accepting terminal with draft issued business processing success message, thereby closes the trade according to path 3,

When draft issued service inquiry when message is for the failure of business processing overseas as a result overseas, then scheduler subsystem is according to path 1, call CCBS and this draft issued business is just being dashed and draft issued business processing failure message is back to accepting terminal, thereby close the trade.

(4) if the arbitrary link interruption among the step S305, then accepting terminal sends to scheduler subsystem according to the path opposite with path 3 and obtains service processing result application message, by scheduler subsystem draft issued service processing result message is back to accepting terminal, thereby closes the trade.

Draft issued information correction business transaction abnormality processing

(1) if the arbitrary link among the step S401 is interrupted, professional application message does not send as yet, if accepting terminal does not have response in the predefined response time, then the automatic prompting operation of accepting terminal is overtime, this professional application failure.

(2) if the arbitrary link interruption among the step S403, if scheduler subsystem does not receive draft issued information correction service processing result message overseas in the predefined response time, then scheduler subsystem is according to path 2, call CMT carry out overseas service inquiry and with the draft issued information correction overseas service inquiry as a result message be back to scheduler subsystem

Overseas service inquiry is when message is for the success of business processing overseas as a result when the draft issued information correction, and then scheduler subsystem is followed execution in step S404,

Overseas service inquiry is when message is for the failure of business processing overseas as a result when the draft issued information correction, and then scheduler subsystem is back to accepting terminal with draft issued information correction business processing failure message, thereby closes the trade.

(3) if the arbitrary link interruption among the step S404, if scheduler subsystem does not receive the domestic service processing result message of draft issued information correction in the predefined response time, then scheduler subsystem is according to path 1, call CCBS carry out domestic service inquiry and with the domestic service inquiry of draft issued information correction as a result message be back to scheduler subsystem

When the domestic service inquiry of draft issued information correction when message is the success of domestic business processing as a result, then scheduler subsystem is followed execution in step S405,

When the domestic service inquiry of draft issued information correction when message is the failure of domestic business processing as a result, then scheduler subsystem is called CCBS once more according to path 1 and is carried out the domestic business processing of draft issued information correction.Therefore the described process of calling CCBS once more repeats no more here with identical in conjunction with the description of Fig. 4 in step S404 and S405.But if describedly call the step that CCBS carries out domestic business processing once more and interrupt, then scheduler subsystem can directly be back to accepting terminal with draft issued information correction business processing failure message, thereby closes the trade.In addition, when the domestic service inquiry of draft issued information correction when message is the failure of domestic business processing as a result, also can directly draft issued information correction business processing failure message be back to accepting terminal by scheduler subsystem, thereby close the trade according to actual business requirement.When draft issued information correction business processing is failed, then by accepting terminal this draft issued information correction business is carried out artificial treatment in CCBS by the business personnel.

(4) if the arbitrary link interruption among the step S405, then accepting terminal sends to scheduler subsystem according to the path opposite with path 3 and obtains service processing result application message, by scheduler subsystem draft issued information correction service processing result message is back to accepting terminal, thereby closes the trade.

Draft issued is reexchanged or is cancelled the business transaction abnormality processing

(1) if the arbitrary link among the step S501 is interrupted, professional application message does not send as yet, if accepting terminal does not have response in the predefined response time, then the automatic prompting operation of accepting terminal is overtime, this professional application failure.

(2) if the arbitrary link interruption among the step S503, if scheduler subsystem does not receive draft issued and reexchanges or cancel service processing result message overseas in the predefined response time, then scheduler subsystem is according to path 2, call that CMT carries out overseas service inquiry and draft issued reexchanged or cancel overseas service inquiry as a result message be back to scheduler subsystem

When draft issued was reexchanged or cancelled overseas service inquiry message is for business processing success overseas as a result, then scheduler subsystem was followed execution in step S504,

When draft issued was reexchanged or cancelled overseas service inquiry message is for business processing failure overseas as a result, then scheduler subsystem was reexchanged draft issued or is cancelled the business processing failure message and is back to accepting terminal, thereby closes the trade.

(3) if the arbitrary link interruption among the step S504, if scheduler subsystem does not receive draft issued and reexchanges or cancel domestic service processing result message in the predefined response time, then scheduler subsystem is according to path 1, call that CCBS carries out domestic service inquiry and draft issued reexchanged or cancel domestic service inquiry as a result message be back to scheduler subsystem

When draft issued was reexchanged or cancelled domestic service inquiry message is the success of domestic business processing as a result, then scheduler subsystem was followed execution in step S505,

When draft issued was reexchanged or cancelled domestic service inquiry message is the failure of domestic business processing as a result, then scheduler subsystem was called CCBS once more according to path 1 and is carried out draft issued and reexchange or cancel domestic business processing.Therefore the described process of calling CCBS once more repeats no more here with identical in conjunction with the description of Fig. 5 in step S504 and S505.But if describedly call the step that CCBS carries out domestic business processing once more and interrupt, then scheduler subsystem can directly be reexchanged draft issued or cancel the business processing failure message and is back to accepting terminal, thereby closes the trade.In addition, when draft issued is reexchanged or is cancelled domestic service inquiry message is the failure of domestic business processing as a result, also can be according to actual business requirement, directly draft issued being reexchanged or cancelled the business processing failure message by scheduler subsystem is back to accepting terminal, thereby closes the trade.Reexchange or cancel business processing when failure when draft issued, then by accepting terminal this draft issued is reexchanged or cancel the professional artificial treatment of in CCBS, carrying out by the business personnel.

(4) if the arbitrary link interruption among the step S505, then accepting terminal sends to scheduler subsystem according to the path opposite with path 3 and obtains service processing result application message, draft issued being reexchanged or cancelled the service processing result message by scheduler subsystem is back to accepting terminal, thereby closes the trade.

Inward remittance is separated and is paid the business transaction abnormality processing

(1) if the arbitrary link among the step S601 is interrupted, professional application message does not send as yet, if accepting terminal does not have response in the predefined response time, then the automatic prompting operation of accepting terminal is overtime, this professional application failure.

(2) if the arbitrary link interruption among the step S603, if scheduler subsystem does not receive inward remittance in the predefined response time and separates and pay service processing result message overseas, then scheduler subsystem is according to path 2, call CMT carry out overseas service inquiry and with inward remittance separate pay overseas service inquiry as a result message be back to scheduler subsystem

Separate when inward remittance and to pay overseas service inquiry message is when overseas business processing is successful as a result, then scheduler subsystem is followed execution in step S604,

Separate when inward remittance and to pay overseas service inquiry message is when overseas business processing is failed as a result, then scheduler subsystem is back to accepting terminal with draft issued information correction business processing failure message, thereby closes the trade.

(3) if the arbitrary link interruption among the step S604, if scheduler subsystem does not receive inward remittance and separates a pair domestic service processing result message in the predefined response time, then scheduler subsystem is according to path 1, call CCBS carry out domestic service inquiry and with inward remittance separate pay domestic service inquiry as a result message be back to scheduler subsystem

Separate when paying domestic service inquiry message being domestic business processing success as a result when inward remittance, then scheduler subsystem is followed execution in step S605,

When inward remittance is separated when paying domestic service inquiry message being domestic business processing failure as a result, then scheduler subsystem is according to path 1, calls CCBS once more and carries out inward remittance and separate and pay a domestic business processing.Here need to prove, when calling CCBS once more, needs according to practical business, CCBS separates to pay that a professional process of handling can comprise that settlement fund registration, inward remittance separate that the information of paying is preserved and inward remittance separated to inward remittance and pays a domestic service processing result message and be back to scheduler subsystem, and the keep accounts processing of account of payee account of remittance fund can be finished in CCBS by the business personnel.

In addition, carry out the step interruption that inward remittance is separated pair domestic business processing if described scheduler subsystem is called CCBS once more, then scheduler subsystem is directly separated inward remittance a pair business processing failure message and is back to accepting terminal, thereby closes the trade.At this moment, can separate the business of paying by accepting terminal to this inward remittance by the business personnel and in CCBS, carry out artificial treatment.

(4) if the arbitrary link interruption among the step S605, then accepting terminal sends to scheduler subsystem according to the path opposite with path 3 and obtains service processing result application message, by scheduler subsystem inward remittance is separated a pair service processing result message and be back to accepting terminal, thereby close the trade.

By above-described transaction exception handling, guaranteed the correctness and the integrality of transaction processing.

Next 7-11 is described in detail a kind of remittance in foreign currencies transaction processing system 1 of the present invention in conjunction with the accompanying drawings.

At first with reference to figure 7, Fig. 7 is the structured flowchart of a kind of remittance in foreign currencies transaction processing system 1 of the present invention.As shown in Figure 7, remittance in foreign currencies transaction processing system 1 comprises accepting terminal 10, scheduler subsystem 11, domestic finance data processing subsystem 12 and offshore banking data process subsystem 13.

Wherein, accepting terminal 10 is used for generating professional application message according to the remittance in foreign currencies business information, and should be sent to scheduler subsystem 11 by business application message, and described professional application message carries the routing information of handling described remittance in foreign currencies business.The type of described remittance in foreign currencies business comprises draft issued, draft issued information correction, draft issued is reexchanged or cancel and inward remittance is separated and paid.

Scheduler subsystem 11, be used for reception and resolve described professional application message, obtain described routing information, and call domestic finance data processing subsystem 12 and 13 pairs of described remittance in foreign currencies business of offshore banking data process subsystem are handled, and the service processing result message is back to accepting terminal 10 according to described routing information.Wherein, the described business application message of resolving comprises the type of resolving remittance in foreign currencies business in the professional application message.Domestic finance data processing subsystem 12 comprises the kernel business of bank disposal system, Construction Bank's core business disposal system CCBS etc. for example, offshore banking data process subsystem 13 comprises the system that can supply the remittance in foreign currencies business that cooperates with the local bank, the CMT of system of the fast remittance of for example silver-colored star company etc.

Domestic finance data processing subsystem 12 and offshore banking data process subsystem 13 are used for handling described remittance in foreign currencies business according to calling of scheduler subsystem 11.

Below in conjunction with Fig. 8 accepting terminal 10 is described in detail.As shown in Figure 8, accepting terminal 10 comprises generation unit 100, transmitting element 101, service processing result receiving element 102 and service processing result acquiring unit 103.

Wherein, generation unit 100 is used for generating the professional application of remittance in foreign currencies message according to the remittance in foreign currencies business information.The professional application of described remittance in foreign currencies message comprises routing information and the draft issued information of handling the remittance in foreign currencies business or draft issued is revised information or draft issued is reexchanged or revocation information or inward remittance are separated the information of paying, the detailed content of these information is identical with the description in conjunction with the disposal route of Fig. 3-6 pair four types remittance in foreign currencies business, therefore repeats no more here.

Transmitting element 101 is used for the professional application of described remittance in foreign currencies message is sent to scheduler subsystem 11.In one embodiment of the invention, transmitting element 101 can send according to following path: accepting terminal 10-＞EAIB-＞EAIH-＞scheduler subsystem 11.The detailed content of relevant scheduler subsystem 11 will be described in conjunction with Fig. 9 below.

Service processing result receiving element 102, first scheduling unit 111 that is used for receiving scheduling subsystem 11, the service processing result message that second scheduling unit 112 returns, this service processing result message comprises remittance in foreign currencies business processing success or failure, also is used for receiving the first business processing failure message that returns by scheduler subsystem 11 towards positive processing unit 123 towards positive processing unit 121 and second of domestic finance data processing subsystem 12, business processing success and failure message that the first service inquiry result treatment unit 115 in the scheduler subsystem 11 returns, the business processing failure message that the second service inquiry result treatment unit 116 returns.

Service processing result acquiring unit 103, be used for when service processing result receiving element 102 does not receive the service processing result message that first scheduling unit 111 or second scheduling unit 112 return, will obtain service processing result application message according to the path opposite and be sent to scheduler subsystem 11 with path 3.When service processing result receiving element 102 receives the process interruption of service processing result message, can obtain this service processing result message once more by service processing result acquiring unit 103, thus the integrality of assurance system 1 processing procedure.

Fig. 9 is the structured flowchart of scheduler subsystem 11 in the remittance in foreign currencies transaction processing system 1 of the present invention.As shown in Figure 9, scheduler subsystem 11 comprises receiving element 110, first scheduling unit 111, second scheduling unit 112, dashes and just handling scheduling unit 113, service inquiry scheduling unit 114, the first service inquiry result treatment unit 115, the second service inquiry result treatment unit 116 and the 3rd service inquiry result treatment unit 117.

Wherein, receiving element 110 is used to be achieved as follows function:

Receive and resolve the professional application of the remittance in foreign currencies message that transmitting element 101 sends, obtain described routing information;

And receive domestic service processing result message that domestic finance data processing subsystem 12 and offshore banking data process subsystem 13 return respectively and service processing result message overseas, wherein, within the border, overseas the service processing result message comprises domestic Transaction Success or failure information, off-shore transaction success or failure information.The back will be described in detail domestic finance data processing subsystem 12 and offshore banking data process subsystem 13.

First scheduling unit 111 is used to be achieved as follows function:

The routing information that obtains according to receiving element 110, call 12 pairs of remittance in foreign currencies business of domestic finance data processing subsystem earlier and carry out domestic business processing, call 13 pairs of these remittance in foreign currencies business of offshore banking data process subsystem again and carry out business processing overseas, at last the service processing result message is back to accepting terminal 10.Because above in conjunction with Fig. 3 described in detail in to the description of method of the present invention call process that domestic, offshore banking data process subsystem handles the draft issued business and within the border, the detailed content of business processing overseas, so repeat no more here.

Second scheduling unit 112 is used to be achieved as follows function:

According to described routing information, call 13 pairs of remittance in foreign currencies business of offshore banking data process subsystem earlier and carry out business processing overseas, call 12 pairs of these remittance in foreign currencies business of domestic finance data processing subsystem again and carry out domestic business processing, at last the service processing result message is back to accepting terminal 10.Because in above in conjunction with the description of Fig. 4-6 pair method of the present invention, described in detail call domestic, the offshore banking data process subsystem is reexchanged to draft issued information correction, draft issued or cancel and inward remittance separate pay the professional process of handling and within the border, the detailed content of business processing overseas, so repeat no more here.

In addition, first scheduling unit 111 and second scheduling unit 112 also are used for sending to according to service processing result acquiring unit 103 and obtain service processing result application message the service processing result message is back to accepting terminal 10.

Dash and just to handle scheduling unit 113, be used for when receiving element 110 does not receive described domestic service processing result message,, call domestic finance data processing subsystem and the remittance in foreign currencies business is just dashed handle then according to routing information.

Service inquiry scheduling unit 114 in the scheduler subsystem 11 is used to be achieved as follows function:

When receiving element 110 does not receive domestic service processing result message, then according to routing information, call domestic finance data processing subsystem 12 carry out domestic service inquiry and with domestic service inquiry as a result message be back to scheduler subsystem 11, or

When receiving element 110 does not receive overseas the service processing result message, then according to routing information, call offshore banking data process subsystem 13 carry out overseas service inquiry and overseas service inquiry as a result message be back to scheduler subsystem 11.

The first service inquiry result treatment unit 115 is used to be achieved as follows function:

The service inquiry overseas that reception offshore banking data process subsystem 13 is returned is message as a result;

When described service inquiry overseas when message is for the success of business processing overseas as a result,, business processing success message is back to accepting terminal 10 then according to routing information;

When described service inquiry overseas when message is for the failure of business processing overseas as a result,, call 12 pairs of described remittance in foreign currencies business of domestic finance data processing subsystem and just dashing and the business processing failure message is back to accepting terminal 10 then according to routing information.

The second service inquiry result treatment unit 116 is used to be achieved as follows function:

The service inquiry overseas that reception offshore banking data process subsystem 13 is returned is message as a result;

When described service inquiry overseas when message is for the success of business processing overseas as a result, then continue to call 12 pairs of described remittance in foreign currencies business of domestic finance data processing subsystem and carry out domestic business processing by second scheduling unit 112;

When described service inquiry overseas when message is for the failure of business processing overseas as a result,, the business processing failure message is back to accepting terminal 10 then according to routing information.

The 3rd service inquiry result treatment unit 117 is used to be achieved as follows function:

Receive domestic service inquiry that domestic finance data processing subsystem 12 returns message as a result;

When described domestic service inquiry when message is the success of domestic business processing as a result, then continue the service processing result message is back to accepting terminal 10 by second scheduling unit 112;

When described domestic service inquiry when message is the failure of domestic business processing as a result, then call 12 pairs of described remittance in foreign currencies business of domestic finance data processing subsystem once more and carry out domestic business processing by second scheduling unit 112.

As seen, receive domestic at receiving element 110, when overseas the process of service processing result is interrupted, just handling scheduling unit 113 by dashing, the service inquiry scheduling unit 114 and the first service inquiry result treatment unit 115 can guarantee the integrality to the processing procedure of the draft issued business in the remittance in foreign currencies business, by service inquiry scheduling unit 114, the second service inquiry result treatment unit 116 and the 3rd service inquiry result treatment unit 117 can guarantee the draft issued information correction business in the remittance in foreign currencies business, draft issued is reexchanged or is cancelled business and inward remittance and separate an integrality of paying professional processing procedure.

Next respectively domestic, offshore banking data process subsystem are described in detail in conjunction with Figure 10 and Figure 11.As shown in figure 10, domestic finance data processing subsystem 12 comprises:

Domestic Service Processing Unit 120 is used for according to the scheduling of first scheduling unit 111 or second scheduling unit 112 the remittance in foreign currencies business being carried out domestic business processing, and domestic service processing result message is back to scheduler subsystem 11.

First towards positive processing unit 121, is used for being achieved as follows function according to dashing the scheduling of just handling scheduling unit 113:

The domestic service processing result message of inquiry remittance in foreign currencies business,

When inquiring domestic service processing result message when being the success of domestic business processing, then in domestic finance data processing subsystem, described remittance in foreign currencies business is just dashed, and remittance in foreign currencies business processing failure message is back to described accepting terminal 10 by scheduler subsystem 11

When inquiring domestic service processing result message when being the failure of domestic business processing, then remittance in foreign currencies business processing failure message is back to described accepting terminal 10 by scheduler subsystem 11.

Domestic service inquiry unit 122 is used for according to the scheduling of service inquiry scheduling unit 114 the remittance in foreign currencies business being carried out domestic service inquiry, and with domestic service inquiry as a result message be back to scheduler subsystem 11.

Second towards positive processing unit 123, is used for the remittance in foreign currencies business just being dashed and the business processing failure message being back to accepting terminal 10 according to the scheduling of the first service inquiry result treatment unit 115.

As shown in figure 11, offshore banking data process subsystem 13 comprises:

Overseas Service Processing Unit 130, be used for according to the scheduling of first scheduling unit 111 or second scheduling unit 112 the remittance in foreign currencies business being carried out business processing overseas, and overseas the service processing result message are back to scheduler subsystem 11.

Overseas the service inquiry unit 131, be used for the remittance in foreign currencies business being carried out service inquiry overseas according to the scheduling of service inquiry scheduling unit 114, and will be overseas service inquiry as a result message be back to scheduler subsystem 11.

In addition, accepting terminal 10 comprises that also balance of international payments declare the transaction processing unit, be used for when the draft issued business of remittance in foreign currencies business or inward remittance separate pay the business processing success after, initiate to declare transaction with the balance of international payments of balance of international payments declaration system, therefore its detailed processing procedure repeats no more here with identical to the corresponding description of the disposal route of draft issued business in conjunction with Fig. 3.In addition, if customer requirement is initiated the Foreign Exchange Settlement and Sale transaction, then accepting terminal 10 also can be initiated to conclude the business with the Foreign Exchange Settlement and Sale of Foreign Exchange Settlement and Sale system.

With reference to Figure 12, Figure 12 is the embodiment of the topological diagram of a kind of remittance in foreign currencies transaction processing system of the present invention at last.As can see from Figure 12, compare with the topological diagram of remittance in foreign currencies transaction processing system in the prior art shown in Fig. 1, scheduler subsystem is with accepting terminal and domestic, the offshore banking data process subsystem is integrated and is connected, the business application message that scheduler subsystem sends according to accepting terminal and should business application message in the routing information that carries call the offshore banking data process subsystem and domestic finance data processing subsystem carries out business processing, avoid the independent operation of each system, it is numerous and diverse to have solved the multisystem operation formality, operating process is long, low and the possible inconsistent problem of data of efficient.In addition, as long as there is accepting terminal to be connected with scheduler subsystem, described accepting terminal just can realize the business handling relevant with remittance in foreign currencies, thereby helps enlarging the remittance in foreign currencies business network.And accepting terminal also can directly be initiated transaction to Foreign Exchange Settlement and Sale system and balance of international payments declaration system, thereby has improved the efficient of handling the remittance in foreign currencies business.

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 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 (32)

1. a foreign exchange remittance service processing method is characterized in that, described method comprises:

A. accepting terminal generates professional application message according to the remittance in foreign currencies business information, and described professional application message carries the routing information of handling described remittance in foreign currencies business;

B. described accepting terminal is sent to scheduler subsystem with described professional application message;

C. described scheduler subsystem receives and resolves described professional application message, obtains described routing information, and

D. call the offshore banking data process subsystem according to described routing information and domestic finance data processing subsystem is handled described remittance in foreign currencies business, and the service processing result message is back to described accepting terminal.

2. the method for claim 1 is characterized in that,

The type of described remittance in foreign currencies business comprises: draft issued, draft issued information correction, draft issued is reexchanged or cancel and inward remittance is separated and paid.

3. method as claimed in claim 2 is characterized in that, for the draft issued business, described professional application message comprises routing information and the draft issued information of handling described draft issued business.

4. method as claimed in claim 3 is characterized in that, described step D comprises:

According to described routing information,

Call domestic finance data processing subsystem earlier described draft issued business is carried out domestic business processing, described domestic business processing comprises: the remittance abroad fund is drawn, settlement fund is registered, draft issued information is preserved and return domestic service processing result message to described scheduler subsystem

After receiving described domestic service processing result message, call the offshore banking data process subsystem described draft issued business is carried out business processing overseas, described business processing overseas comprises: generating solution pays that numbering, draft issued information are preserved, extremely described scheduler subsystem of service processing result message is paid and returned overseas to remittance status indication that will be corresponding with described draft issued information in described offshore banking data process subsystem for waiting to separate

After receiving the described message of service processing result overseas, draft issued service processing result message is back to described accepting terminal.

5. method as claimed in claim 4 is characterized in that, described step D also comprises:

When described scheduler subsystem did not receive described domestic service processing result message, then described scheduler subsystem was according to described routing information, called described domestic finance data processing subsystem and described draft issued business is just dashed handled.

6. method as claimed in claim 5 is characterized in that, described domestic finance data processing subsystem dashes the step of just handling to the draft issued business and comprises:

Inquire about the domestic service processing result message of described draft issued business,

When inquiring described domestic service inquiry message be the success of domestic business processing as a result, then described draft issued business is just dashed, and draft issued business processing failure message is back to described accepting terminal by described scheduler subsystem,

When inquiring described domestic service inquiry message is the failure of domestic business processing as a result, then directly draft issued business processing failure message is back to described accepting terminal by described scheduler subsystem.

7. method as claimed in claim 4 is characterized in that, described step D also comprises:

When described scheduler subsystem does not receive the described message of service processing result overseas, then described scheduler subsystem is according to described routing information, call described offshore banking data process subsystem carry out overseas service inquiry and overseas service inquiry as a result message be back to described scheduler subsystem

When described service inquiry overseas when message is for the success of business processing overseas as a result, then described scheduler subsystem is back to described accepting terminal according to described routing information with draft issued business processing success message,

When described service inquiry overseas when message is for the failure of business processing overseas as a result, then described scheduler subsystem is according to described routing information, calls described domestic finance data processing subsystem and described draft issued business just dashed and draft issued business processing failure message is back to described accepting terminal by scheduler subsystem.

8. method as claimed in claim 2 is characterized in that, for draft issued information correction business, described professional application message comprises routing information and the draft issued modification information of handling described draft issued information correction business.

9. method as claimed in claim 8 is characterized in that, described step D comprises:

According to described routing information,

Call the offshore banking data process subsystem earlier described draft issued information correction business is carried out business processing overseas, described business processing overseas comprises: in the offshore banking data process subsystem described draft issued modification information is made amendment, and return overseas the service processing result message to described scheduler subsystem

After receiving the described message of service processing result overseas, call domestic finance data processing subsystem more described draft issued information correction business is carried out domestic business processing, described domestic business processing comprises: in domestic finance data processing subsystem described draft issued modification information is made amendment, and return domestic service processing result message to described scheduler subsystem

After receiving described domestic service processing result message, draft issued information correction service processing result message is back to described accepting terminal.

10. method as claimed in claim 2 is characterized in that, reexchanges or cancels business for draft issued, and described professional application message comprises that handling described draft issued reexchanges or cancel professional routing information and draft issued is reexchanged or revocation information.

11. method as claimed in claim 10 is characterized in that, described step D comprises:

According to described routing information,

Call earlier that the offshore banking data process subsystem is reexchanged to described draft issued or the business of cancelling is carried out business processing overseas, described business processing overseas comprises: in the offshore banking data process subsystem will with described draft issued is reexchanged or revocation information is corresponding remittance status modifier for reexchanging or cancelling, and return overseas the service processing result message to described scheduler subsystem

After receiving the described message of service processing result overseas, call again that domestic finance data processing subsystem is reexchanged to described draft issued or the business of cancelling is carried out domestic business processing, described domestic business processing comprises: the keep accounts account of described payer's number of the account of the fund of reexchanging, settlement fund is cancelled, in described domestic finance data processing subsystem will with described draft issued is reexchanged or revocation information is corresponding remittance status modifier for reexchanging or cancelling, and return domestic service processing result message to described scheduler subsystem

After receiving described domestic service processing result message, draft issued reexchanged or cancel the service processing result message is back to described accepting terminal.

12. method as claimed in claim 2 is characterized in that, separates a pair business for inward remittance, described professional application message comprises that the described inward remittance of processing is separated pair routing information of business and inward remittance is separated the information of paying.

13. method as claimed in claim 12 is characterized in that, described step D comprises:

According to described routing information,

Calling the offshore banking data process subsystem earlier separates the business of paying to described inward remittance and carries out business processing overseas, described business processing overseas comprises: will separate the corresponding remittance status modifier of the information of paying with described inward remittance and pay for separating in the offshore banking data process subsystem, and return overseas the service processing result message to described scheduler subsystem

After receiving the described message of service processing result overseas, calling domestic finance data processing subsystem again separates the business of paying to described inward remittance and carries out domestic business processing, described domestic business processing comprises: the keep accounts registration of account, settlement fund, the inward remittance of described payee account of remittance fund separated the information of paying and preserved, and return domestic service processing result message to described scheduler subsystem

After receiving described domestic service processing result message, inward remittance is separated a pair service processing result message be back to described accepting terminal.

14., it is characterized in that described step D also comprises as claim 9 or 11 or 13 described methods:

When described scheduler subsystem does not receive the described message of service processing result overseas, then described scheduler subsystem is according to described routing information, call described offshore banking data process subsystem carry out overseas service inquiry and overseas service inquiry as a result message be back to described scheduler subsystem

When described service inquiry overseas when message is for the success of business processing overseas as a result, then described scheduler subsystem is then carried out the described step that domestic finance data processing subsystem carries out domestic business processing of calling,

When described service inquiry overseas when message is for the failure of business processing overseas as a result, then described scheduler subsystem is back to described accepting terminal with the business processing failure message.

15., it is characterized in that described step D also comprises as claim 9 or 11 or 13 described methods:

When described scheduler subsystem does not receive described domestic service processing result message, then described scheduler subsystem is according to described routing information, call described domestic finance data processing subsystem carry out domestic service inquiry and with domestic service inquiry as a result message be back to described scheduler subsystem

When described domestic service inquiry when message is the success of domestic business processing as a result, then described scheduler subsystem is then carried out and described the service processing result message is back to the step of described accepting terminal,

When described domestic service inquiry when message is the failure of domestic business processing as a result, then described scheduler subsystem is called described domestic finance data processing subsystem once more according to described routing information and is carried out domestic business processing.

16. the method for claim 1 is characterized in that, described step D also comprises:

When described accepting terminal does not receive described service processing result message, then described accepting terminal will be obtained service processing result application message and be sent to described scheduler subsystem,

Described scheduler subsystem is back to described accepting terminal according to the described service processing result application message that obtains with described service processing result message.

17. a remittance in foreign currencies transaction processing system is characterized in that, described system comprises:

Accepting terminal is used for generating professional application message according to the remittance in foreign currencies business information, and should be sent to scheduler subsystem by business application message, and described professional application message carries the routing information of handling described remittance in foreign currencies business;

Scheduler subsystem, be used for reception and resolve described professional application message, obtain described routing information, and call the offshore banking data process subsystem and domestic finance data processing subsystem is handled described remittance in foreign currencies business, and the service processing result message is back to described accepting terminal according to described routing information;

Offshore banking data process subsystem and domestic finance data processing subsystem are used for handling described remittance in foreign currencies business according to calling of described scheduler subsystem.

18. system as claimed in claim 17 is characterized in that,

The type of described remittance in foreign currencies business comprises: draft issued, draft issued information correction, draft issued is reexchanged or cancel and inward remittance is separated and paid.

19. system as claimed in claim 18 is characterized in that, described accepting terminal comprises:

Generation unit, be used for generating the professional application of remittance in foreign currencies message according to the remittance in foreign currencies business information, the professional application of described remittance in foreign currencies message comprises routing information and the draft issued information of handling described remittance in foreign currencies business or draft issued is revised information or draft issued is reexchanged or revocation information or inward remittance are separated a pair information;

Transmitting element is used for the professional application of described remittance in foreign currencies message is sent to described scheduler subsystem.

20. system as claimed in claim 19 is characterized in that, described scheduler subsystem comprises:

Receiving element is used for reception and resolves the professional application of described remittance in foreign currencies message, obtains described routing information;

First scheduling unit is used to be achieved as follows function:

According to described routing information, call domestic finance data processing subsystem earlier described remittance in foreign currencies business is carried out domestic business processing, call the offshore banking data process subsystem more described remittance in foreign currencies business is carried out business processing overseas, at last the service processing result message is back to described accepting terminal;

Second scheduling unit is used to be achieved as follows function:

According to described routing information, call the offshore banking data process subsystem earlier described remittance in foreign currencies business is carried out business processing overseas, call domestic finance data processing subsystem more described remittance in foreign currencies business is carried out domestic business processing, at last the service processing result message is back to described accepting terminal.

21. system as claimed in claim 20 is characterized in that, described accepting terminal also comprises:

The service processing result receiving element is used to receive the service processing result message that described first scheduling unit or second scheduling unit return;

The service processing result acquiring unit is used for then will obtaining service processing result application message and being sent to described scheduler subsystem when described service processing result receiving element does not receive described service processing result message;

Described first scheduling unit also is used for according to the described service processing result application message that obtains described service processing result message being back to described accepting terminal;

Described second scheduling unit also is used for according to the described service processing result application message that obtains described service processing result message being back to described accepting terminal.

22. system as claimed in claim 21 is characterized in that,

Described domestic finance data processing subsystem comprises domestic Service Processing Unit, be used for described remittance in foreign currencies business being carried out domestic business processing, and domestic service processing result message is back to described scheduler subsystem according to the scheduling of described first scheduling unit or second scheduling unit;

Described offshore banking data process subsystem comprises Service Processing Unit overseas, be used for described remittance in foreign currencies business being carried out business processing overseas, and overseas the service processing result message is back to described scheduler subsystem according to the scheduling of described first scheduling unit or second scheduling unit;

Described receiving element also is used to receive described domestic service processing result message and service processing result message overseas.

23. the system as claimed in claim 22 is characterized in that, described scheduler subsystem also comprises:

Dash and just to handle scheduling unit, be used for when described receiving element does not receive domestic service processing result message,, call described domestic finance data processing subsystem and described remittance in foreign currencies business is just dashed handle then according to described routing information.

24. system as claimed in claim 23 is characterized in that, described domestic finance data processing subsystem also comprises:

First towards positive processing unit, is used for being achieved as follows function according to described towards the scheduling of just handling scheduling unit:

Inquire about the domestic service processing result message of described remittance in foreign currencies business,

When inquiring described domestic service processing result message when being the success of domestic business processing, then in described domestic finance data processing subsystem, described remittance in foreign currencies business is just dashed, and remittance in foreign currencies business processing failure message is back to described accepting terminal by described scheduler subsystem

When inquiring described domestic service processing result message when being the failure of domestic business processing, then remittance in foreign currencies business processing failure message is back to described accepting terminal by described scheduler subsystem.

25. the system as claimed in claim 22 is characterized in that, described scheduler subsystem also comprises:

The service inquiry scheduling unit is used to be achieved as follows function:

When described receiving element does not receive described domestic service processing result message, then according to described routing information, call described domestic finance data processing subsystem carry out domestic service inquiry and with domestic service inquiry as a result message be back to described scheduler subsystem, or

When described receiving element does not receive the described message of service processing result overseas, then according to described routing information, call described offshore banking data process subsystem carry out overseas service inquiry and overseas service inquiry as a result message be back to described scheduler subsystem.

26. system as claimed in claim 25 is characterized in that,

Described domestic finance data processing subsystem also comprises domestic service inquiry unit, be used for the remittance in foreign currencies business being carried out domestic service inquiry according to the scheduling of described service inquiry scheduling unit, and with domestic service inquiry as a result message be back to described scheduler subsystem;

Described offshore banking data process subsystem also comprises service inquiry unit overseas, be used for the remittance in foreign currencies business being carried out service inquiry overseas according to the scheduling of described service inquiry scheduling unit, and will be overseas service inquiry as a result message be back to described scheduler subsystem.

27. system as claimed in claim 26 is characterized in that, described scheduler subsystem also comprises:

The first service inquiry result treatment unit is used to be achieved as follows function:

Receive described service inquiry overseas message as a result;

When described service inquiry overseas when message is for the success of business processing overseas as a result, then according to described routing information, business processing success message is back to described accepting terminal,

When described service inquiry overseas when message is for the failure of business processing overseas as a result, then according to described routing information, call described domestic finance data processing subsystem and described remittance in foreign currencies business is just being dashed and the business processing failure message is back to described accepting terminal.

28. system as claimed in claim 27 is characterized in that, described domestic finance data processing subsystem also comprises:

Second towards positive processing unit, is used for described remittance in foreign currencies business just being dashed and the business processing failure message being back to described accepting terminal by described scheduler subsystem according to the scheduling of the described first service inquiry result treatment unit.

29. system as claimed in claim 26 is characterized in that, described scheduler subsystem also comprises:

The second service inquiry result treatment unit is used to be achieved as follows function:

Receive described service inquiry overseas message as a result;

When described service inquiry overseas when message is for the success of business processing overseas as a result, then continue to call domestic finance data processing subsystem described remittance in foreign currencies business is carried out domestic business processing by described second scheduling unit,

When described service inquiry overseas when message is for the failure of business processing overseas as a result,, the business processing failure message is back to described accepting terminal then according to described routing information.

30. system as claimed in claim 26 is characterized in that, described scheduler subsystem also comprises:

The 3rd service inquiry result treatment unit is used to be achieved as follows function:

Receive described domestic service inquiry message as a result;

When described domestic service inquiry when message is the success of domestic business processing as a result, then continue the service processing result message is back to described accepting terminal by described second scheduling unit;

When described domestic service inquiry when message is the failure of domestic business processing as a result, then call domestic finance data processing subsystem once more described remittance in foreign currencies business is carried out domestic business processing by described second scheduling unit.

31. as claim 24 or 27 or 28 or 29 described systems, it is characterized in that described service processing result receiving element also is used to receive the business processing failure message that the described first business processing failure message that returns towards positive processing unit, business processing success that the described first service inquiry result treatment unit returns and failure message, described second return towards positive processing unit, the business processing failure message that the described second service inquiry result treatment unit returns.

32. system as claimed in claim 17 is characterized in that, described accepting terminal comprises that balance of international payments declare the transaction processing unit, and transaction is declared in the balance of international payments that are used to initiate with the balance of international payments declaration system.

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