CN101950401A - Emergency transfer method, device and system in high-value payment system - Google Patents

Abstract

The invention discloses an emergency transfer method in a high-value payment system. The method comprises the following steps: an emergency transfer centre receives an emergency entrusted transfer message sent by an entrusting bank; the emergency transfer centre converts the emergency entrusted transfer message into an emergency transfer message according to the set corresponding principal-agent relation and sends the emergency transfer message to a corresponding agent bank in the emergency transfer message; and the agent bank performs the transfer service operation through the high-value payment system according to the emergency transfer message. Correspondingly, the invention also discloses an emergency transfer device and an emergency transfer system for realizing the method so that the automatic emergency transfer can be achieved by the agent bank through the internal network connection of a commercial bank according to the corresponding principal-agent relation when the front end processor of the commercial bank or the city processing centre of the People's Bank of China fails.

Description

Emergent remitted method in a kind of large-amount payment system, Apparatus and system

Technical field

The present invention relates to the finance data process field, relate in particular to method, the Apparatus and system of answering racing to converge in a kind of large-amount payment system.

Background technology

In order more effectively to support economy, financial reform and development, People's Bank of China has built large-amount payment system, commercial bank passes through large-amount payment system, realized the clearance of inter-bank fund, promote the efficient of commercial bank's inter-bank payment clearance, greatly promoted the development in China economy, financial market.

Referring to Fig. 1, the large-amount payment system of People's Bank of China comprises national processing enter (the National Processing Center of the People's Bank, NPC), (the City Clearing Processing Center of the CCPC of the People's Bank, CCPC), the person of participating in directly (Direct Participant) and indirect participant (Indirect Participant), below simplicity of explanation done in some terms that relate in the large-amount payment system:

Large-amount payment system: be one of core accounting processing system of China Modern Payment System, be used to provide inter-bank payment clearance service, with the electronics mode handle the strange land in real time, with the application system of every the amount of money in city in payment of the credit more than the regulation starting point and the urgent credit payment of the amount of money below the regulation starting point.

CCPC: being the urban node of payment system, connecting national processing center and respectively do not participate in the person directly, is to be responsible in national processing center and respectively not participate between the person general name that receives and transmit one group of hardware and software system of payment instruction directly.

The person of participating in directly: comprise districts and cities of the People's Bank above center subbranches (storehouse) and offer the bank and the non-bank financial institution of clearing account, for example The Construction Bank of China Beijing Branch, Zhejiang branch of China Construction Bank etc. in the People's Bank.Respectively do not participate in the front end processor of person by the section of setting within it directly and communicate by letter with corresponding CCPC, wherein front end processor is to be responsible for receiving, sending the system that processes the payment transaction of originally not participating in the person directly by large-amount payment system.

Indirect participant: comprise the People's Bank county (city) subbranch (storehouse) and do not offer clearing account and entrust the person of participating in directly to handle the bank of fund clearing and the non-bank financial institution that the People's Bank ratifies to manage the payment and settlement business in the People's Bank, Construction Bank Beijing branch Xisi subbranch for example, Construction Bank Beijing financial Street of branch savings bank.

Especially, each person of participating in directly is independently mechanism, not contact each other in large-amount payment system.

At present, in the day-to-day operation of large-amount payment system is safeguarded, the branch of commercial bank is as the person of participating in directly of large-amount payment system, the system failure appears at its front end processor, perhaps the system failure appears in the CCPC of its corresponding the People's Bank, when perhaps the network communication fault occurring between front end processor and the CCPC, commercial bank adopts manual type to carry out emergency processing usually or manual emergency processing is carried out in seek help other commercial banks or this commercial bank strange land in lines, can not in time arrive the risk of account to avoid the Very Important Person fund.Adopt above-mentioned manual method to carry out remitted Business Processing, for fear of the financial risks of " repeating to keep accounts ", follow-up also the needs carried out artificial treatment to corresponding service message.In general, artificial treatment will cause the emergent efficient of transferring accounts low, and its limitation is big, can not satisfy the emergency requirement of large scale business bank.

Summary of the invention

The object of the present invention is to provide and answer racing remittance method, Apparatus and system in a kind of large-amount payment system, when occurring in one of the front end processor of commercial bank and CCPC of the People's Bank the network communication fault occurring between the system failure or the two, according to entrusting-act on behalf of corresponding relation, utilize the network of commercial bank inside to connect, realize that by agency automatic emergency changes remittance and handles.

For this reason, the invention provides the method for answering racing to converge in a kind of large-amount payment system, described method comprises:

Emergency fund transfer center receives the emergency commission remitted packet that consignment store sends;

According to the trust that arranges-act on behalf of corresponding relation described emergency commission remitted packet is converted to contingency fund transfer packet, and described contingency fund transfer packet is sent to agency corresponding in this contingency fund transfer packet;

Described agency changes the remittance business operation according to the described racing report literary composition of answering by large-amount payment system.

Correspondingly, the present invention also provides the emergent remitted system that is used for large-amount payment system, and this system comprises: emergency fund transfer center, the branch more than that communicates by letter with emergency fund transfer center.

Wherein, the emergent remitted device that is located at emergency fund transfer center comprises:

The message receiver module is used for receiving the emergency commission remitted packet that consignment store sends;

Emergent remitted processing module is used for according to the trust that arranges-act on behalf of corresponding relation described emergency commission remitted packet is converted to contingency fund transfer packet;

The message sending module is used for described contingency fund transfer packet is sent to agency corresponding to this contingency fund transfer packet.

A kind of emergent remitted device that is located at branch comprises:

Agent relation's configuration module be used for to receive the trust of emergency fund transfer center issue-act on behalf of corresponding relation, and makes that described trust-acting on behalf of corresponding relation comes into force;

Wholesale message acquisition module, the emergent trust that is used for the poll one's own profession is changeed the water meter that confluxes and is obtained wholesale payment message to be sent;

Emergent message modular converter is used for will described wholesale to be sent paying message according to the trust that comes into force-act on behalf of corresponding relation and is converted to emergency commission remitted packet;

The message sending module is used for described emergency commission remitted packet is sent to emergency fund transfer center.

The another kind that is located at branch answers racing remittance device to comprise:

Agent relation's configuration module be used for to receive the trust of emergency fund transfer center issue-act on behalf of corresponding relation, and makes that described trust-acting on behalf of corresponding relation comes into force;

Emergent message receiver module, be used for receiving the contingency fund transfer packet that sends by emergency fund transfer center, and forwarding center CCPC of the People's Bank station code in the described contingency fund transfer packet is revised as CCPC of the People's Bank station code corresponding to one's own profession, becoming the emergent report text of acting on behalf of;

Emergent message is preserved module, is used for the described emergent remitted flowing water table of emergent agency that report text is kept at one's own profession of acting on behalf of;

Wholesale payment processes module is used for carrying out remitted business operation according to the emergent report text of acting on behalf of that is kept at the remitted flowing water table of emergent agency by large-amount payment system.

Especially, above-mentioned two kinds of being located at branch answer racing remittance device can be arranged in the different branches, also can be arranged in the same branch.

Implement the present invention, entrust-act on behalf of corresponding relation by being provided with, utilize the network interconnection of commercial bank inside, certain the wholesale payment transaction in lines that breaks down is sent to the agency that entrusts-act on behalf of the corresponding relation correspondence, entrust this agency on behalf of transmission, on behalf of clearance, day is carried out fund clearing with this agency eventually again, thus realization wholesale commentaries on classics remittance path and the automatic emergency processing of changeing the remittance fund clearing.

Description of drawings

Fig. 1 is the network architecture diagram of existing large-amount payment system.

Fig. 2 is the network architecture diagram according to large-amount payment system of the present invention.

Fig. 3 is the structural representation that is located at first embodiment that answers racing remittance device 1 that answers racing remittance center according to of the present invention.

Fig. 4 is the structural representation that is located at second embodiment that answers racing remittance device 1 that answers racing remittance center according to of the present invention.

Fig. 5 is the structural representation that is located at the 3rd embodiment that answers racing remittance device 1 that answers racing remittance center according to of the present invention.

Fig. 6 is the structural representation according to the emergent remitted processing module 1002 of emergent remitted device 1 of the present invention.

Fig. 7 is the structural representation of answering the message sending module 1003 of racing remittance device 1 according to of the present invention.

Fig. 8 is the structural representation that is located at the 4th embodiment that answers racing remittance device 1 that answers racing remittance center according to of the present invention.

Fig. 9 is the structural representation that is located at the 5th embodiment that answers racing remittance device 1 that answers racing remittance center according to of the present invention.

Figure 10 is the structural representation that is located at first embodiment that answers racing remittance device 2 of branch according to of the present invention.

Figure 11 is the structural representation that is located at second embodiment that answers racing remittance device 2 of branch according to of the present invention.

Figure 12 is the structural representation that is located at the 3rd embodiment that answers racing remittance device 2 of branch according to of the present invention.

Figure 13 is the structural representation that is located at the 4th embodiment that answers racing remittance device 2 of branch according to of the present invention.

Figure 14 is the structural representation that is located at the 5th embodiment that answers racing remittance device 2 of branch according to of the present invention.

Figure 15 is the structural representation that is located at first embodiment that answers racing remittance device 3 of branch according to of the present invention.

Figure 16 is the structural representation that is located at second embodiment that answers racing remittance device 3 of branch according to of the present invention.

Figure 17 is the structural representation that is located at the 3rd embodiment that answers racing remittance device 3 of branch according to of the present invention.

Figure 18 is the structural representation that is located at the 4th embodiment that answers racing remittance device 3 of branch according to of the present invention.

Figure 19 answers the racing journey synoptic diagram that confluxes according to the embodiment of the invention.

Figure 20 is the journey synoptic diagram that confluxes of the consignment store's planted agent's racing according to the embodiment of the invention.

Figure 21 is that the racing of answering according to the embodiment of the invention converges center planted agent's racing journey synoptic diagram that confluxes.

Figure 22 is the journey synoptic diagram that confluxes of the agency's planted agent's racing according to the embodiment of the invention

Figure 23 is the clearance schematic flow sheet according to the embodiment of the invention.

Figure 24 is the reconciliation schematic flow sheet according to the embodiment of the invention.

Embodiment

For making the purpose, technical solutions and advantages of the present invention clearer, the present invention is described in detail below in conjunction with specific embodiments and the drawings.

Referring to Fig. 2, be network architecture diagram according to large-amount payment system of the present invention.

In conjunction with Fig. 1 and Fig. 2, by finding that relatively large-amount payment system according to the present invention is different from existing large-amount payment system.According to the internal network interconnection of large-amount payment system of the present invention, each person of participating in directly (being that inherent the People's Bank of commercial bank offers the branch of clearing account) is connected by commercial bank.Particularly, as shown in Figure 2, head office of commercial bank or branch be provided with answer racing to converge device 1 (setting answers racing to converge the head office of device 1 or branch to be referred to as to answer racing to converge the center, that is: answer racing remittance device 1 and answer racing remittance center, the two essence on function is identical, both can use mutually in this article), answer racing remittance device 2 in the part person of participating in directly the setting of this commercial bank, answer racing remittance device 3 in another part person of participating in directly setting of this commercial bank, perhaps be provided with simultaneously and answer racing remittance device 2 and answer racing remittance device 3 at each person of participating in directly place, perhaps be provided with simultaneously and answer racing to converge device 1 and agency to answer racing to converge the professional racing of answering to converge device 3, perhaps be provided with simultaneously and answer racing to converge device 1 and answer racing to converge device 3 respectively not participating in the person directly in head office of commercial bank.Entrust-act on behalf of corresponding relation in the emergency fund transfer center configuration, will entrust-act on behalf of corresponding relation to be distributed to corresponding emergent remitted device 2 and emergent remitted device 3, described trust-acting on behalf of corresponding relation comes into force thereby make.When certain person of participating in directly (is that inherent the People's Bank of business bank offers the branch of clearing account, concise and to the point for what describe, in description subsequently, unified referred to as " in lines ") front end processor or corresponding CCPC's generation systems fault or occur between the two in the situation of network communication fault, the trust of the branch that breaks down by coming into force-act on behalf of corresponding relation to find corresponding agency, the agency by agreement row is processed the remitted business of wholesale and corresponding remitted clearing operation thereof, predetermined instant (whole such as day) carries out fund clearing with agency again, thereby the automatic emergency of realizing the remitted path of wholesale and remitted fund clearing is processed.Below in conjunction with specific embodiments and the drawings, described emergent remitted device is specifically described.

Referring to Fig. 3, illustrate the structural representation according to first embodiment of the emergent remitted device 1 that is located at emergency fund transfer center of the present invention, emergent remitted device 1 specifically comprises:

Message receiver module 1001 is used for receiving the emergency commission remitted packet that consignment store sends, and consignment store herein is the above-mentioned branch that breaks down.Wherein, comprise at least following field in the emergency commission remitted packet: initiate row, initiate clearing bank, payment transaction sequence number, service marker state, wherein the information of each field description will make an explanation below.

Emergent remitted processing module 1002 is used for according to the trust that arranges-act on behalf of corresponding relation described emergency commission remitted packet is converted to contingency fund transfer packet.

Message sending module 1003 is used for described contingency fund transfer packet is sent to agency corresponding to this contingency fund transfer packet.

Below the described information of each field in the above-mentioned contingency fund transfer packet is made simplicity of explanation:

Initiate row (Originating Depository Financial Institution, ODFI): submit payment transaction to and carry out the bank of accounting processing and urban credit cooperatives, Countryside Credit Cooperative to payment system.Initiate row and normally do not participate in the person directly, but also can be indirect participant, for example The Construction Bank of China Beijing Branch Xisi subbranch.

Initiate (the In-settlement Depository Financial Institution of clearing bank, ISDFI): the person of participating in directly who opens an account in national processing enter, its account is used for the promoter, initiates the fund clearing and the accounting processing of row and self initiation payment transaction, each is initiated unique corresponding one of provisional capital and initiates clearing bank, but one is initiated clearing bank's corresponding a plurality of initiation row simultaneously, initiating clearing bank must be the person of participating in directly, for example The Construction Bank of China Beijing Branch.

Payment transaction sequence number: be meant traffic ID.

The service marker state: comprise professional transmission state (its transmission state is: send, send), professional clearance state (its professional clearance state is: clearance, clear), remitted mark (it is labeled as: needs are remitted, do not need remitted).

In another embodiment of the invention, as shown in Figure 4, emergent remitted device 1 also comprises the configuration module 1004 of entrusting-acting on behalf of corresponding relation for configuration except having structure shown in Figure 3, specifically comprise:

The agent relation arranges submodule 10041, and trust between each branch-act on behalf of corresponding relation be used for to be set, and with the form of Database Mapping table with described trust-act on behalf of corresponding relation to be stored in database 1012;

Particularly, traffic operation staff can arrange submodule 10041 to the agent relation by the systemic-function menu and operate to arrange or adjust and entrust-act on behalf of corresponding relation, typically entrust-to act on behalf of corresponding relation as shown in table 1.

Table 1

Each list item illustrates one by one in the following his-and-hers watches 1

Clearance every trade number under the consignment store: be used for indicating the clearing bank that agency participates in large-amount payment system, participate in the fund clearing of inter-bank payment transaction as the person of participating in directly;

Clearance every trade number under the agency: be used for indicating the clearing bank that agency participates in large-amount payment system, participate in the fund clearing of inter-bank payment transaction as the person of participating in directly;

Act on behalf of every trade number: act on behalf of every trade number as what indirect participant handled payment transaction, finish fund clearing by clearing bank under the agency;

Station code under the agency: the coding of the large-amount payment system CCPC node under agency inserts;

Type: the participant of agency attribute, value are commercial bank or non-commercial banking institution, and for example Class1 is represented commercial banking institution, type 2 expression non-commercial banking institution;

People's line code under the agency: management organization of on-site the People's Bank of agency code;

Commission business state: represent above-mentioned trust-the act on behalf of current activation/closed condition of corresponding relation, for example, when being in state 1-state of activation, consignment store and corresponding agency can realize answering racing to converge, when being in state 2-closed condition, consignment store and corresponding agency can not realize answering racing to converge.

The agent relation issues submodule 10042, be used for described trust-act on behalf of corresponding relation to be distributed to described branch, namely be distributed to the emergent remitted device 2 and the emergent remitted device 3 that are located at branch, and make that described trust-acting on behalf of corresponding relation comes into force, thereby between each branch's (comprising consignment store, agency) and the emergency fund transfer center to entrusting-act on behalf of corresponding relation to realize synchronously.Subsequently, emergent remitted processing module 1002 can be according to the trust that comes into force-acting on behalf of corresponding relation carries out corresponding conversion operations.

To those skilled in the art, should be appreciated that the corresponding relation between consignment store and the agency can be man-to-man corresponding relation, also can be the corresponding relation of a corresponding agency of a plurality of consignment store or corresponding a plurality of agencys of consignment store.

In another embodiment of the present invention, as shown in Figure 5, answer racing to converge device 1 except comprising the module shown in Fig. 3 and Fig. 4, can also comprise:

Switch is provided with module 1005, and the racing of answering that is used to be provided with one's own profession converges switch parameter, and described commentaries on classics converges switch parameter and comprises opening and closing at least;

Switch process module 1006 is used to be achieved as follows function:

When described emergent remitted switch parameter was set to open, emergent remitted device 1 was opened the emergent remitted function of one's own profession.Particularly, comprise and allow to receive the emergency commission remitted packet that consignment store sends, and according to the above-mentioned trust that comes into force-act on behalf of corresponding relation described emergency commission remitted packet is converted to contingency fund transfer packet, be sent to agency corresponding in the described contingency fund transfer packet.

Converge switch parameter when being set to close at the described racing of answering, and the racing of answering of closing one's own profession converges function.

Referring to Fig. 6, illustrate the structural representation according to the emergent remitted processing module 1002 of emergent remitted device 1 of the present invention, emergent remitted processing module 1002 specifically can comprise:

Message conversion submodule 10021, be used for that corresponding relation replenishes or the business factor of conversion emergency commission remitted packet obtains contingency fund transfer packet according to the trust that comes into force-act on behalf of, wherein, described business factor comprises at least: special permission participant/initiation row line number, initiation clearing bank line number, forwarding center CCPC of the People's Bank station code, remitted agency initiate the row line number, remitted agency initiates clearing bank's line number.The field of the report text that above-mentioned business factor relates to comprises to be initiated row and initiates clearing bank.In some embodiments, the specifying information that reports according to agency of emergency fund transfer center changes that remitted agency initiates the row line number and corresponding remitted agency initiates clearing bank's line number.For example, Jiangsu branch of China Construction Bank is because of network failure, and with local people bank communicating interrupt, the remitted business of wholesale of carrying out is acted on behalf of in corresponding agency-Beijing in lines by Jiangsu branch.Head office of China Construction Bank according to the information (initiate clearance behavior Beijing branch, act on behalf of initiation behavior Xisi subbranch) that Beijing reports in lines, replaces the corresponding information of answering in the racing report literary composition after receiving the emergent trust commentaries on classics report literary composition that Jiangsu sends in lines.Remain the purpose of clearing for clearing bank under being able to by agency in the purpose that emergency fund transfer center is changed the contingency fund transfer packet that receives.

Message is preserved submodule 10022, is used for the described racing report literary composition of answering is kept at database 1012.

Referring to Fig. 7, illustrate the structural representation of answering the message sending module 1003 of racing remittance device 1 according to of the present invention, message sending module 1003 specifically can comprise:

Route Selection submodule 10031 is used for selecting route according to agency corresponding to described contingency fund transfer packet;

Message sends submodule 10032, and the route that is used for selecting according to described Route Selection submodule 10031 is answered racing to report literary composition this and is sent to described agency.

To those skilled in the art, it is professional to should be appreciated that large-amount payment system is whenever finished a wholesale commentaries on classics remittance, just the clearance result can be returned to the person of participating in directly of the business of initiation, in embodiments of the present invention, the clearance result will turn back to the agency that changes the business of remittance on behalf of handling.

According to technical scheme of the present invention, agency can be transmitted to consignment store with described clearance result by emergency fund transfer center behind the clearance result who receives the above-mentioned remitted business that large-amount payment system returns.Therefore, as shown in Figure 8, emergent remitted device 1 also comprises as a result message receiver module 1007, as a result message processing module (MPM) 1008 and packet forwarding module 1009 as a result.

Wherein, the as a result message corresponding to described contingency fund transfer packet of the as a result capable transmission of message receiver module 1007 Receiving Agents.Subsequently, message processing module (MPM) 1008 is resolved described message as a result as a result, parsing obtains described transmission/clearance state of answering racing to report literary composition, and the content synchronization that obtains according to parsing of message processing module (MPM) 1008 is upgraded one's own profession and answered the conflux recording status of water meter of racing as a result.Wherein, the emergent remitted flowing water table of one's own profession, for service message and the remitted transaction path of all remitted processing of need to meeting an urgent need of record one's own profession, and the transmission status information of remitted service message and clearance status information.Subsequently, the packet forwarding module 1009 described message as a result that will receive is forwarded to described consignment store as a result.

In another embodiment of the invention, as shown in Figure 9, emergent remitted device 1 further comprises monitoring module 1010 and display module 1011.

Wherein, monitoring module 1010 is responsible for the transmission of the described contingency fund transfer packet of monitoring/clearance state, and shows the transmission of described contingency fund transfer packet/clearance state by display module 1011 to the user.Like this, the user can in time understand and answers racing to converge treatment state, and when abnormality occurring, can in time take other emergency measures, finish with the commentaries on classics that guarantees the client business of converging on time, improved the quality of customer service, also help to improve simultaneously the emergency processing efficient of bank.

Referring to Figure 10, illustrate the structural representation that is located at first embodiment that answers racing remittance device 2 of branch according to of the present invention, in the present embodiment, the above-mentioned branch that breaks down of behavior in described minute, i.e. consignment store.As shown in figure 10, emergent remitted device 2 comprises:

Agent relation's configuration module 2001, be used for receiving and answer racing to converge the trust of center (promptly answer racing converge device 1) issue-act on behalf of corresponding relation, and make that described trust-acting on behalf of corresponding relation comes into force, like this, the trust of consignment store and head office-act on behalf of corresponding relation realizes synchronously, and then synchronous with the trust of agency-act on behalf of corresponding relation.Based on the above-mentioned trust that comes into force-act on behalf of corresponding relation, the branch that breaks down can find corresponding agency, carries out the follow-up racing of answering and converges operation.

Wholesale message acquisition module 2002, the emergent trust that is used for the poll one's own profession is changeed the water meter that confluxes and is obtained wholesale payment message to be sent.The remitted flowing water table of emergent trust herein, be used for that the record one's own profession needs or entrust other branches'es (being agency) to be transmitted to the emergency commission remitted packet of large-amount payment system and the transmission status information of message and clearance status information etc. by emergency fund transfer center.Described wholesale to be sent payment message comprises following field at least: initiate row, initiate clearing bank, payment transaction sequence number, service marker state.In the present embodiment, the initiation behavior consignment store in the wholesale payment message to be sent.

Emergent message modular converter 2003 is used for will described wholesale to be sent paying message according to the described trust that comes into force-act on behalf of corresponding relation and is converted to emergency commission remitted packet.Wholesale to be sent payment message comprises at least to the conversion of emergency commission remitted packet: will initiate the entrained information of capable field according to the trust that comes into force-act on behalf of corresponding relation and be converted to agency corresponding to consignment store; To initiate under the row the entrained information of clearing bank's field according to the trust that comes into force-act on behalf of corresponding relation and be converted to clearing bank under the agency; Be converted to payment transaction sequence number in the agency according to the trust that comes into force-the act on behalf of corresponding relation information that the payment transaction sequence number field is entrained.The field of the payment message that above-mentioned conversion relates to comprises initiates row, initiation clearing bank and payment transaction sequence number.The information that consignment store also may need to replenish comprises that remitted initiation row line number and conversion initiate clearing bank's line number under the row, namely initiates the line number of initiation row of above-mentioned wholesale payment transaction message and the line number of the affiliated clearing bank of this initiations row.In some embodiments, the initiation row of initiating wholesale payment message can be above-mentioned consignment store, also can be to entrust above-mentioned consignment store to initiate other mechanisms of the remitted business of wholesale.Comprise consignment store and the both sides' of agency information in the above-mentioned emergency commission remitted packet, be of value to the transmission path that identifies message.

Because CCPC of the People's Bank can carry out a series of inspection to the report text of the person's of participating in directly initiation of its subordinate, comprises the membership of initiating row and initiating clearing bank, initiates corresponding relation of clearing bank and CCPC of the People's Bank etc.Therefore, by the wholesale payment message to be sent that obtains is carried out above-mentioned conversion, can make emergent entrust change report literary composition can be smoothly message audit by the CCPC of the People's Bank that agency was subordinate to, thereby reach the purpose of clearing by clearing bank under the agency.

Message sending module 2004 is used for described emergency commission remitted packet is sent to emergent remitted device 1.

In another embodiment of the invention, as shown in figure 11, the described racing of answering converges device 2 except comprising each module shown in Figure 10, can also comprise:

Switch is provided with module 2005, and the racing of answering that is used to be provided with one's own profession converges switch parameter, and this answers racing to converge switch parameter to comprise opening and closing at least.Need answer racing to converge when handling when breaking down, can answer racing remittance switch parameter to be set to open.

Switch process module 2006 is used to be achieved as follows function:

When described emergent remitted switch parameter is set to open, enable wholesale Receive message module 2002, begin emergent remitted processing.

Converge switch parameter when being set to close, forbidding wholesale message acquisition module 2002 at the described racing of answering.

To those skilled in the art, should be appreciated that large-amount payment system after finishing every remitted business of wholesale, the clearance result can be returned to and initiate the professional person of participating in directly that corresponding is the agency of the remitted business of agency in the present embodiment.Agency can be transmitted to consignment store with described clearance result by emergency fund transfer center behind the clearance result who receives the above-mentioned remitted business that large-amount payment system returns.Therefore, as shown in figure 12, emergent remitted treating apparatus 2 can also comprise for the treatment of clearance result's as a result message receiver module 2007 and message processing module (MPM) 2008 as a result.

Wherein, message receiver module 2007 receives the as a result message that emergency fund transfer center is transmitted as a result, message processing module (MPM) 2008 is resolved described as a result message as a result, parsing obtains the transmission of described emergency commission remitted packet/clearance state, and obtains content synchronization according to parsing and upgrade the emergent recording status of entrusting remitted flowing water table of one's own profession.

In another embodiment of the invention, as shown in figure 13, emergent remitted device 2 can also comprise:

Monitoring module 2009, being used to monitor described emergent trust changes transmission/clearance state of reporting literary composition;

Display module 2010 is used for showing the civilian transmission/clearance state of described emergent trust commentaries on classics report to the user.Like this, the user can in time understand and answers racing to converge treatment state, and when abnormality occurring, can in time take other emergency measures, finish with the commentaries on classics that guarantees the client business of converging on time, improved the quality of customer service, also help to improve simultaneously the emergency processing efficient of bank.

For a person skilled in the art, should be appreciated that large-amount payment system nodes at different levels can carry out reconciliation at predetermined instant (whole as day).According to technical scheme of the present invention, agency comprises the reconciliation result of the remitted business that agency self initiates and is subjected to consignment store to entrust the reconciliation result of the remitted business of initiating in the reconciliation result to large-amount payment system.Agency after being subjected to consignment store to entrust the reconciliation result of the remitted business of initiating to generate the remitted inventory of agency, is sent to consignment store after finishing with the large-amount payment system reconciliation.

Therefore, as shown in figure 14, emergent remitted device 2 further can also comprise inventory receiver module 2011 and inventory processing module 2012.Wherein, inventory receiver module 2011 is responsible for receiving the agency who answers racing remittance center to transmit changes the remittance inventory, subsequently, confirm that by inventory processing module 2012 described agencies change the remittance inventory, and the described agency that will confirm changes the settlement fund of acting on behalf of that is write down on the remittance inventory and transfers to described agency.

Below specifically set forth by reference to the accompanying drawings emergent remitted device 1 and the specific embodiment that is located at the emergent remitted device 2 of consignment store, will set forth further combined with accompanying drawing the specific embodiment of the emergent remitted device 3 that is arranged on agency below.

Referring to Figure 15, illustrate the structural representation that is located at first embodiment that answers racing remittance device 3 of branch according to of the present invention, in this example, the branch that behavior in described minute replacement is broken down carries out the agency of wholesale payment processes, wherein, answer racing remittance device 3 to comprise:

Agent relation's configuration module 3001, be used to receive the trust of answering racing remittance center issue-act on behalf of corresponding relation, and make that described trust-acting on behalf of corresponding relation comes into force, thereby agency, consignment store and answer racing to converge the trust at center-act on behalf of corresponding relation to realize synchronously, and on the basis that described trust-act on behalf of corresponding relation comes into force, carry out the follow-up racing of answering and converge operation.

Emergent message receiver module 3002, be used for receiving the contingency fund transfer packet that sends by emergency fund transfer center, and automatically CCPC of the People's Bank station code in the described contingency fund transfer packet is revised as CCPC of the People's Bank station code corresponding to one's own profession, become the emergent report text of acting on behalf of.

Emergent message is preserved module 3003, is used for the described emergent remitted flowing water table of emergent agency that report text is kept at one's own profession of acting on behalf of.The remitted flowing water table of emergent agency herein, be used for record from the needs of emergency fund transfer center reception or acted on behalf of the emergent remitted relevant message of managing business that other branches (consignment store) send to large-amount payment system by one's own profession, and the transmission status information of message and clearance status information etc.Above-mentioned preservation process is also referred to as " message registration " or " message warehouse-in ", need to prove, no matter be the business that the business initiated of one's own profession self or commission order row are initiated, all need to carry out the message registration, so that the clearance result who returns with large-amount payment system is mated.

Wholesale payment processes module 3004 is used for carrying out remitted business operation according to the emergent report text of acting on behalf of that is kept at the remitted flowing water table of emergent agency by large-amount payment system.It is basic identical by the handling process of the remitted business operation of large-amount payment system to it will be understood by those of skill in the art that agency replaces consignment store to initiate by remitted business operation and agency self initiation of large-amount payment system, does not repeat them here.

In another embodiment of the invention, as shown in figure 16, answer racing to converge device 3 except comprising the module shown in Figure 15, also comprise:

Control parameter configuration module 3005 is used for arranging the remitted state of a control parameter of the affiliated clearing bank of one's own profession, and this state parameter comprises normal condition and emergent remitted state at least.

Controlled variable processing module 3006 is used to be achieved as follows function:

When described remitted state of a control parameter is set to normal condition, only the wholesale payment message of one's own profession self is directly cleared by clearing bank under the one's own profession and large-amount payment system;

When described remitted state of a control parameter is set to emergent remitted state, should meet an urgent need and act on behalf of report text and be deposited into the remitted flowing water table of emergent agency, and the CCPC under one's own profession is forwarded to large-amount payment system country processing center with the described emergent report text of acting on behalf of, and clears by clearing bank under the one's own profession and large-amount payment system.

By the capable remitted professional clearance path under normal condition and emergent remitted state of above-mentioned control parameter processing module 3006 control agents, be of value to and reach agency and replace consignment store to carry out the purpose of remitted professional clearance.

Those skilled in the art is to be understood that, large-amount payment system is whenever finished one changes the business of remittance, just the clearance result of this business can be back to and initiate professional branch, thereby large-amount payment system will send the professional clearance result of above-mentioned commentaries on classics remittance and be back to agency.As shown in figure 17, emergent remitted device 3 can also comprise:

Receiver module 3007 as a result, and being used to receive described emergent agency that described large-amount payment system sends changes and report the corresponding clearance result of literary composition.Described clearance result promptly clears state, is meant that described emergent agency changes the success or not of report literary composition transmission/clearance, and unsuccessful reason.

Result treatment unit 3008 is used for described clearance result is message as a result according to change reporting civilian processing format group bag, and described message as a result is sent to answers racing to converge the center, promptly answers racing to converge device 1.

Similarly, as mentioned above, large-amount payment system nodes at different levels will carry out reconciliation predetermined instant (whole as day).Therefore, referring to Figure 18, described emergent remitted device 3 can also comprise for the treatment of reconciliation result's module, is specially:

Reconciliation module 3009 is used for carrying out reconciliation at predetermined instant and large-amount payment system.

Reconciliation partition module 3010 after reconciliation module 3009 is finished the reconciliation operation, according to the remitted mark partition of agency reconciliation result, is divided into and contains the reconciliation result who acts on behalf of remitted mark and do not contain the reconciliation result who acts on behalf of remitted mark.Wherein, act on behalf of remitted mark and be a kind of mark for mark one's own profession agency's remitted business, be used for distinguishing the normal remitted business that one's own profession self is initiated.

Act on behalf of inventory generation module 3011, generate the remitted inventory of agency for the reconciliation result that will contain the remitted mark of described agency.

Act on behalf of inventory sending module 3012, be used for that described agency is changeed the remittance inventory and be sent to described consignment store by answering racing remittance center, thereby after the reconciliation of the core accounting processing system of consignment store and head office is finished, the agency who confirms is changeed the agency who is write down on the remittance inventory change the remittance funds transfer, finish the clearance between agency and the consignment store to agency.

Those skilled in the art is to be understood that, in the foregoing description, answer racing remittance center (in head office or branch) to be provided with and answer racing remittance device 1, the branch that breaks down is provided with answers racing remittance device 2, the branch that is used as the agency is provided with answers racing remittance device 3, this is a kind of embodiment of the present invention, can also will answer racing remittance device 3 to be arranged on head office of commercial bank, and this moment, head office just was equivalent to a kind of special agency.Certainly can also emergent remitted device 2 and emergent remitted device 3 be set in same branch, adopt the branch of this set, not only can when it breaks down, entrust other remitted processing of meeting an urgent need in lines as consignment store, himself also can be used as simultaneously agency and replace the remitted processing of meeting an urgent need of other branches that break down.

Elaborate in conjunction with the accompanying drawings and embodiments above emergent remitted system and emergent remitted device in a kind of large-amount payment system of the present invention, specified embodiment based on the emergent remitted method of said system and device below in conjunction with flow chart.

Referring to Figure 19, illustrate the overall flow synoptic diagram of answering racing remittance method according to the embodiment of the invention, described method comprises:

S101, emergency fund transfer center receives the emergency commission remitted packet that consignment store sends.Emergency fund transfer center herein, i.e. above-mentioned emergent remitted device 1, both are identical in function.

S102, emergency fund transfer center is according to the trust that arranges-act on behalf of corresponding relation described emergency commission remitted packet is converted to contingency fund transfer packet, and described contingency fund transfer packet is sent to agency corresponding in this contingency fund transfer packet.

S103, described agency carries out remitted business operation according to described contingency fund transfer packet by large-amount payment system, thereby realizes that the branch that agency replaces breaking down carries out remitted Business Processing.

Set forth the racing remittance method of answering of the present invention below by specific embodiment; but those skilled in the art is to be understood that; these embodiment illustrate for example; be not intended to limit protection scope of the present invention; those skilled in the art can change according to the flesh and blood of these embodiment or change; obtain the embodiment that other are equal to, these embodiment that are equal to also fall into the protection domain of claim of the present invention.

In conjunction with Fig. 2, answer racing remittance center that trust between each branch-act on behalf of corresponding relation (as shown in table 2) is set and described trust-act on behalf of corresponding relation is distributed to have and entrust or the racing of answering of the branch of agent capability converges device, for example, answer racing remittance device 2 and answer racing remittance device 3, make to entrust-acting on behalf of corresponding relation comes into force, thereby realize entrusting-to act on behalf of consignment store, the agency that corresponding relation relates to and answer racing converge between the three of center synchronously.Based on the above-mentioned trust that comes into force-act on behalf of corresponding relation, when certain breaks down in lines, the branch that breaks down can be according to described trust-act on behalf of corresponding relation to find agency, on behalf of the remitted and remitted clearing operation of processing wholesale, thereby the automatic emergency of realizing the remitted path of wholesale and remitted fund clearing is processed.

For convenience, the line number of supposing to arrange the person of participating in directly of emergent remitted device 2 is a, and the line number that the person of participating in directly of emergent remitted device 3 is set is b, and is as shown in table 2.

Table 2

Describe emergent remitted processing in detail below in conjunction with Figure 20-Figure 24.

When line number is the branch of a when breaking down (perhaps CCPC corresponding to a branch break down or network communication between the two is broken down), the transmit button of MBFE in the branch can be closed, and the remitted switch parameter of meeting an urgent need is set to open.As shown in figure 20, the handling process of the emergent remitted device 2 of a branch comprises:

S1011, judge a in lines emergent remitted switch parameter whether be unlatching, when being judged as when being, execution in step S1013, otherwise, execution in step S1012.

S1012 forbids the emergent remitted operation of a branch, process ends.

Certainly, further can also alarm, by the remitted processing of meet an urgent need of existing artificial treatment mode, thereby realize the compatibility of system of the present invention and existing system, this is of value to raising meet an urgent need efficient and the customer service quality of remitted processing.

S1013, the emergent trust of poll one's own profession is changeed the water meter that confluxes and is obtained wholesale payment message to be sent.Wherein, the value of described each field of wholesale to be sent payment message is respectively as follows: to initiate the row line number be a, initiate that clearing bank's line number is that A, payment transaction sequence number are 10000, the service marker state is " does not send, do not clear, need to be remitted ".

S1014, the wholesale payment message to be sent that will obtain according to the described trust that comes into force-act on behalf of corresponding relation be converted to emergent entrust to change report literary composition, the message field (MFLD) that described conversion relates to comprises initiates row, initiation clearing bank and payment transaction sequence number, particularly, as shown in Table 2, the act of agency b branch that a branch is corresponding, the conversion of described message comprises at least: will initiate every trade and number be converted to b by a, will initiate to clear every trade and number be converted to B by A.At this, the information that a branch also needs to replenish comprises changeing to converge initiates every trade number, promptly initiates the row a of initiation row of wholesale payment transaction and this initiations and goes the row number of affiliated clearing bank, i.e. A.Comprise consignment store and the both sides' of agency information in the so described emergency commission remitted packet, be of value to the transmission path that identifies message.The payment transaction sequence number that above-mentioned wholesale to be sent is paid message is 10000, owing in b branch a normal business may be arranged, it initiates the row line number is b, initiating clearing bank's line number is B, the payment transaction sequence number is 10000, for avoiding clashing with b branch normal service message, thereby the payment transaction sequence number 10000 that also needs wholesale to be paid message is converted to payment transaction sequence number 10001 corresponding to the b of agency.

S1015 is sent to emergency fund transfer center with described emergency commission remitted packet, process ends.

As shown in figure 21, the emergent remitted handling process of emergency fund transfer center specifically comprises:

S1021 receives the emergency commission remitted packet that a sends in lines, and the value of described each field of emergency commission remitted packet is respectively as follows: initiating the row line number is that b, initiation clearance behavior B, payment transaction sequence number are 10001.

S1022, replenish or emergent trust of conversion changeed the business factor of reporting in the literary composition and obtained answering racing to report literary composition according to the trust that comes into force-act on behalf of corresponding relation, wherein, replenish or conversion after described business factor comprise at least: initiate every trade number for b, initiate clearance every trade number for B, the People's Bank's forwarding center CCPC station code be the corresponding CCPC of the People's Bank station code of a branch, change converge the agency initiate every trade number for b, change and converge the agency and initiate the clearance every trade and number be B.The specifying information that emergency fund transfer center reports in lines according to b revises that remitted agency initiates the row line number and corresponding remitted agency initiates clearing bank's line number, it might not be exactly b branch that remitted agency initiates row, may be the subordinate's of b branch the branch with emergent remitted agent functionality.In the present embodiment, be responsible for implementing remitted agency's initiation behavior b branch.Remain the purpose of clearing for clearing bank under being able to by b branch in the purpose that emergency fund transfer center is changed the contingency fund transfer packet that receives.

S1023 reports agency corresponding in the literary composition according to the described racing of answering, i.e. b branch, option dealing route.

S1024 is sent to described agency according to the transaction route of selecting with described contingency fund transfer packet.

As shown in figure 22, agency is that the emergent remitted handling process of the emergent remitted device 3 of b branch specifically comprises:

S1031, b receives the described racing of answering in lines and reports literary composition, automatically described forwarding center CCPC of the People's Bank station code of answering racing to report in the literary composition is revised as corresponding in lines CCPC of the People's Bank station code of b, becomes emergent agency and change the report literary composition.

S1032 acts on behalf of the remitted flowing water table of emergent agency that report text is kept at one's own profession with emergent, so that the clearance that large-amount payment system is returned mates as a result the time.

S1033 changes the remittance business operation according to being kept at the emergent racing report literary composition of answering that changes in the water meter that confluxes of acting on behalf of by large-amount payment system.

It is basic identical by the handling process of the remitted business operation of large-amount payment system to it will be understood by those of skill in the art that agency replaces consignment store to initiate by remitted business operation and agency self initiation of large-amount payment system, does not repeat them here.

Large-amount payment system is whenever finished a payment transaction just can return the clearance result to initiating professional branch, in the present embodiment, the clearance result is turned back to the b branch that the agency initiates remitted business.With reference to Figure 23, illustrate clearance schematic flow sheet according to the embodiment of the invention, comprising:

S201, the remitted flowing water table of the emergent agency of b branch poll one's own profession obtains described clearance result.Described clearance result namely clears state, refers to the unsuccessful reason of the transmission of described contingency fund transfer packet/clearance success or not and transmission/clear.

S202, b divide and to be about to described clearance result and to be message as a result according to report text result form group bag.

S203, b divide and to be about to described message as a result and to be sent to and to answer racing to converge the center.

S204, emergency fund transfer center receives the described as a result message that b sends in lines.

S205, emergency fund transfer center is resolved the described as a result message receive, resolves the transmission that obtains described contingency fund transfer packet/clearance state.

S206, the transmission of the described contingency fund transfer packet that emergency fund transfer center obtains according to packet parsing as a result/clearance state synchronized is upgraded the recording status of the emergent remitted flowing water table of head office.

S207, emergency fund transfer center with described as a result message repeating to a branch.

S208, a resolve the described as a result message that receives in lines, resolve the transmission obtain described emergency commission remitted packet/clearance state.

The transmission of the described contingency fund transfer packet that S209, a branch obtain according to packet parsing as a result/clearance state synchronized is upgraded the recording status of the remitted flowing water table of the emergent trust of one's own profession.

Alternatively, above-mentioned transmission/clearance state can be showed the user, so that can in time understanding, the user answers racing remittance treatment state, and when abnormality occurring, can in time take other emergency measures, finish with the commentaries on classics that guarantees the client business of converging on time, improved the quality of customer service, also help to improve simultaneously the emergency processing efficient of bank.

As mentioned above, general day terminal hour, large-amount payment system nodes at different levels carry out reconciliation handles.Act on behalf of b branch that a initiates remitted business in lines in the reconciliation of finishing with large-amount payment system, receive the reconciliation result after, need the operation carried out, as shown in figure 24, comprising:

S301, b branch is divided into and contains the remitted mark of agency and do not contain the reconciliation result who acts on behalf of remitted mark according to the remitted mark partition of agency reconciliation result.Wherein, act on behalf of the remitted business that remitted mark is used for mark one's own profession agency, be used for distinguishing the normal remitted business that one's own profession self is initiated.

S302, b branch are about to contain the reconciliation result who acts on behalf of remitted mark and generate the remitted inventory of agency.

S303, b divide and to be about to the remitted inventory of described agency and to be forwarded to a branch by emergency fund transfer center.

S304, a receive in lines and confirm to answer the agency of racing remittance center forwarding to change the remittance inventory.

S305, a branch transfers the branch to b with the settlement fund of acting on behalf of that records on the remitted inventory of agency of confirming after the reconciliation of finishing with the core accounting processing system of head office.

In sum, emergent remitted method in a kind of large-amount payment system of the present invention, device and system, entrust-act on behalf of corresponding relation by arranging, utilize the network interconnection of business bank inside, under situation that communication failure appears in the system failure or front end processor and CCPC appears in the front end processor of the subordinate of business bank branch or its corresponding CCPC of the People's Bank, the branch that breaks down can find corresponding agency according to described trust-act on behalf of corresponding relation, will be by the remitted operation of large-amount payment system and the clearing operation of described remitted operation on behalf of processing, and at the clearance that passes through eventually day between agency remitted inventory realization consignment store and the agency, thereby the automatic emergency of realizing the remitted path of wholesale and remitted clearance is processed, and improves the emergency processing efficient of wholesale payment in the business bank.

By the description of above embodiment, 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 a kind of specific embodiment of the present invention, can not limit protection scope of the present invention with this certainly, change or equivalent variations according to the technical spirit of claim of the present invention is done still fall into the scope that the present invention is contained.

Claims (38)

1. answer racing remittance method in the large-amount payment system, it is characterized in that, may further comprise the steps:

Emergency fund transfer center receives the emergency commission remitted packet that consignment store sends;

According to the trust that arranges-act on behalf of corresponding relation described emergency commission remitted packet is converted to contingency fund transfer packet, and described contingency fund transfer packet is sent to agency corresponding in this contingency fund transfer packet;

Described agency changes the remittance business operation according to the described racing report literary composition of answering by large-amount payment system.

2. the method for claim 1 is characterized in that, before the step of the emergency commission remitted packet that emergency fund transfer center reception consignment store sends, described method comprises:

In emergency fund transfer center, trust between each branch-act on behalf of corresponding relation is set, and with the form of Database Mapping table with described trust-act on behalf of corresponding relation to be stored in the database;

With described trust-act on behalf of corresponding relation to be distributed to described consignment store and agency, and make that this trust-acting on behalf of corresponding relation comes into force.

3. method as claimed in claim 2 is characterized in that, according to the trust that arranges-act on behalf of corresponding relation the step that described emergency commission remitted packet is converted to contingency fund transfer packet is comprised:

According to the trust that comes into force-act on behalf of corresponding relation replenish or the conversion emergency commission remitted packet in business factor obtain contingency fund transfer packet, the contingency fund transfer packet that obtains is kept in the database;

Wherein, described business factor comprises at least: special permission participant/initiation row line number, initiation clearing bank line number, forwarding center CCPC of the People's Bank station code, remitted agency initiate the row line number, remitted agency initiates clearing bank's line number.

4. method as claimed in claim 3 is characterized in that, the step that described contingency fund transfer packet is sent to agency corresponding in this contingency fund transfer packet comprises:

Report agency's option dealing route corresponding in the literary composition according to the described racing of answering;

According to described transaction route described contingency fund transfer packet is sent to described agency.

5. method as claimed in claim 4 is characterized in that, described agency carries out remitted business operation according to described contingency fund transfer packet by large-amount payment system and comprises:

Described agency receives described contingency fund transfer packet, forwarding center CCPC of the People's Bank station code in the described contingency fund transfer packet is revised as CCPC of the People's Bank station code corresponding to described agency, becomes the emergent report text of acting on behalf of;

Described emergent agency is changeed the civilian emergent agency who is kept at this agency of report to be changeed in the water meter that confluxes;

Change described emergent agency in the water meter that confluxes and change and report literary composition and change the remittance business operation according to being kept at emergent agency by large-amount payment system.

6. method as claimed in claim 5 is characterized in that, before the step of the emergency commission remitted packet that emergency fund transfer center reception consignment store sends, described method also comprises:

Answering racing remittance center, commentaries on classics remittance center is being set answers racing remittance switch parameter, this commentaries on classics remittance switch parameter comprises opening and closing at least;

In agency, the remitted state of a control parameter of clearing bank under the agency is set, this state parameter comprises normal condition and emergent remitted state at least;

In consignment store, the emergent remitted switch parameter of consignment store is set, this switch parameter comprises opening and closing at least.

7. method as claimed in claim 6 is characterized in that, before the step of the emergency commission remitted packet that emergency fund transfer center reception consignment store sends, described method also comprises:

When the emergent remitted switch parameter of described consignment store is set to open, the remitted flowing water table of the emergent trust of this consignment store's poll one's own profession obtains wholesale to be sent payment message, and the wholesale payment message to be sent that will obtain according to the described trust that comes into force-act on behalf of corresponding relation is converted to emergency commission remitted packet;

Answer racing to converge switch parameter when being set to close in described consignment store, the racing of answering of closing described consignment store converges function.

8. method as claimed in claim 7 is characterized in that, the step that the wholesale payment message to be sent that will obtain according to the described trust that comes into force-act on behalf of corresponding relation is converted to emergency commission remitted packet comprises at least:

Consignment store will initiate the entrained information of row field according to the described trust that comes into force-act on behalf of corresponding relation and be converted to agency's line number corresponding to described consignment store;

To initiate under the row the entrained information of clearing bank's field according to the described trust that comes into force-act on behalf of corresponding relation and be converted to clearing bank's line number under the described agency;

According to the described trust that comes into force-act on behalf of the corresponding relation information translation that the payment transaction sequence number field is entrained is payment transaction sequence number in the described agency.

9. method as claimed in claim 6 is characterized in that, described method also comprises:

Judge that the emergent remitted switch parameter in described remitted center is set to unlatching and still closes,

When being set to open, emergency fund transfer center is opened emergent remitted function;

When being set to close, emergency fund transfer center is closed emergent remitted function.

10. method as claimed in claim 6 is characterized in that, this method comprises:

The remitted state of a control parameter of clearing bank was set to emergent remitted state or normal condition under this agency was judged by described agency,

When being set to answer racing to converge state, agency changes described emergent agency to be reported literary composition and is deposited into emergent agency and changes the water meter that confluxes, and the CCPC under this agency changes described emergent agency and reports literary composition and be forwarded to large-amount payment system country processing enter, clears by clearing bank under this agency and large-amount payment system;

When being set to normal condition, described agency only directly clears the wholesale of one's own profession self payment message clearing bank and large-amount payment system under this agency.

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

Described large-amount payment system is sent to described agency with the clearance result of described contingency fund transfer packet;

Described agency arrives the remitted flowing water table of described emergent agency with described clearance outcome record.

12. method as claimed in claim 11 is characterized in that, described method also comprises:

The remitted flowing water table of the emergent agency of described agency poll one's own profession obtains described clearance result;

Is message as a result with described clearance result according to change reporting civilian result form group bag;

Described message as a result is sent to the described racing remittance center of answering.

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

Emergency fund transfer center receives the described as a result message that described agency sends;

The described as a result message that parsing receives obtains the transmission of described contingency fund transfer packet/clearance state;

Upgrade the recording status of the emergent remitted flowing water table in remitted center according to the transmission of described contingency fund transfer packet/clearance state synchronized;

Described message as a result is forwarded to described consignment store.

14. method as claimed in claim 13 is characterized in that, described method also comprises:

Described consignment store receives the described as a result message that described emergency fund transfer center is transmitted;

The described as a result message that parsing receives obtains the transmission of described emergency commission remitted packet/clearance state;

Report civilian transmission/clearance state synchronized according to described emergent trust commentaries on classics and upgrade the recording status that the water meter that confluxes is changeed in the emergent trust of this consignment store.

15. method as claimed in claim 14 is characterized in that, described method also comprises:

Described consignment store monitors described emergent trust changes transmission/clearance state of reporting literary composition;

Transmission/clearance state from described emergent trust commentaries on classics report literary composition to the user that show.

16. method as claimed in claim 13 is characterized in that, described method also comprises:

Emergency fund transfer center is monitored the transmission of described contingency fund transfer packet/clearance state;

Show described transmission/clearance state of answering racing to report literary composition to the user.

17. method as claimed in claim 12 is characterized in that, described method also comprises:

Described agency carries out reconciliation at predetermined instant and large-amount payment system;

After reconciliation is finished, change to converge mark partition reconciliation result according to the agency, be divided into contain described agency change converge mark the reconciliation result and do not contain the reconciliation result that described agency changes the remittance mark;

The reconciliation result that will contain the remitted mark of described agency generates the remitted inventory of agency;

Should act on behalf of remitted inventory and be forwarded to described consignment store by emergency fund transfer center.

18. method as claimed in claim 17 is characterized in that, described method also comprises:

Described consignment store receives and confirms that the agency who answers racing remittance center to transmit changes the remittance inventory;

After consignment store finishes reconciliation with the core accounting processing system of head office, the settlement fund of acting on behalf of that records on the remitted inventory of agency of confirming is transferred to described agency.

19. be located at the emergent remitted device of emergency fund transfer center in the large-amount payment system, it is characterized in that described device comprises:

The message receiver module is used for receiving the emergency commission remitted packet that consignment store sends;

Emergent remitted processing module is used for according to the trust that arranges-act on behalf of corresponding relation described emergency commission remitted packet is converted to contingency fund transfer packet;

The message sending module is used for described contingency fund transfer packet is sent to agency corresponding to this contingency fund transfer packet.

20. device as claimed in claim 19 is characterized in that, described device comprises also and is used to dispose the configuration module of entrusting-acting on behalf of corresponding relation that described configuration module comprises:

The agent relation arranges submodule, and trust between each branch-act on behalf of corresponding relation be used for to be set, with the form of Database Mapping table with described trust-act on behalf of corresponding relation to be stored in the database;

The agent relation issues submodule, is used for described trust-act on behalf of corresponding relation to be distributed to described branch, and makes that described trust-acting on behalf of corresponding relation comes into force.

21. device as claimed in claim 19 is characterized in that, described device also comprises:

Switch arranges module, is used for arranging the emergent remitted switch parameter of one's own profession, and this emergent remitted switch parameter comprises opening and closing at least;

The switch process module is used to be achieved as follows function:

Converge switch parameter when being set to open at the described racing of answering, and the racing of answering of opening one's own profession converges function;

Converge switch parameter when being set to close at the described racing of answering, and the racing of answering of closing one's own profession converges function.

22. device as claimed in claim 20 is characterized in that, the described racing remittance processing module of answering comprises:

Message conversion submodule is used for that corresponding relation replenishes or the business factor of conversion emergency commission remitted packet obtains contingency fund transfer packet according to the trust that comes into force-act on behalf of,

Wherein, described business factor comprises at least: special permission participant/initiation row line number, initiation clearing bank line number, forwarding center CCPC of the People's Bank station code, remitted agency initiate the row line number, remitted agency initiates clearing bank's line number;

Message is preserved submodule, and the racing report literary composition of answering that is used for obtaining is kept at database.

23. device as claimed in claim 22 is characterized in that, described message sending module comprises:

The Route Selection submodule is used for selecting route according to agency corresponding to described contingency fund transfer packet;

Message sends submodule, is used for according to the route that described Route Selection submodule is selected this contingency fund transfer packet being sent to described agency.

24. device as claimed in claim 23 is characterized in that, described device also comprises:

The message receiver module is used for receiving as a result message corresponding to described contingency fund transfer packet that described agency sends as a result;

Message processing module (MPM) as a result is used for resolving described as a result message, and the transmission of the described contingency fund transfer packet that obtains according to parsing/clearance state synchronized is upgraded the meet an urgent need recording status of remitted flowing water table of one's own profession;

Packet forwarding module is used for described message as a result is forwarded to described consignment store as a result.

25. device as claimed in claim 24 is characterized in that, described device also comprises:

Monitoring module is for the transmission of monitoring described contingency fund transfer packet/clearance state;

Display module is for transmission from described contingency fund transfer packet to the user that show/clearance state.

26. be located at emergent remitted device in lines in the large-amount payment system, it is characterized in that described device comprises:

Agent relation's configuration module be used for to receive the trust of emergency fund transfer center issue-act on behalf of corresponding relation, and makes that described trust-acting on behalf of corresponding relation comes into force;

Wholesale message acquisition module, the emergent trust that is used for the poll one's own profession is changeed the water meter that confluxes and is obtained wholesale payment message to be sent;

Emergent message modular converter is used for will described wholesale to be sent paying message according to the trust that comes into force-act on behalf of corresponding relation and is converted to emergency commission remitted packet;

The message sending module is used for described emergency commission remitted packet is sent to emergency fund transfer center.

27. device as claimed in claim 26 is characterized in that, described device also comprises:

Switch arranges module, is used for arranging the emergent remitted switch parameter of one's own profession, and this emergent remitted switch parameter comprises opening and closing at least;

The switch process module is used to be achieved as follows function:

Converge switch parameter when being set to open at the described racing of answering, enable wholesale message acquisition module;

Converge switch parameter when being set to close, forbidding wholesale message acquisition module at the described racing of answering.

28. device as claimed in claim 27 is characterized in that, described device also comprises:

The message receiver module is used for receiving the as a result message that emergency fund transfer center is transmitted as a result;

Message processing module (MPM) is used to resolve described message as a result as a result, and changes the emergent trust of reporting civilian transmission/clearance state synchronized renewal one's own profession according to the described emergent trust that parsing obtains and change the recording status of the water meter that confluxes.

29. device as claimed in claim 28 is characterized in that, described device also comprises:

Monitoring module, being used to monitor described emergent trust changes transmission/clearance state of reporting literary composition;

Display module is used for showing the civilian transmission/clearance state of described emergent trust commentaries on classics report to the user.

30. device as claimed in claim 28 is characterized in that, described device also comprises:

The inventory receiver module, being used to receive the agency who answers racing remittance center to transmit changes the remittance inventory;

The inventory processing module is used for confirming the remitted inventory of described agency, and the settlement fund of acting on behalf of that records on the remitted inventory of described agency is transferred to described agency.

31. be located at emergent remitted device in lines in the large-amount payment system, it is characterized in that described device comprises:

Agent relation's configuration module be used for to receive the trust of emergency fund transfer center issue-act on behalf of corresponding relation, and makes that described trust-acting on behalf of corresponding relation comes into force;

Emergent message receiver module, be used for receiving the contingency fund transfer packet that sends by emergency fund transfer center, forwarding center CCPC of the People's Bank station code in the described contingency fund transfer packet is revised as CCPC of the People's Bank station code corresponding to one's own profession, becomes the emergent report text of acting on behalf of;

Emergent message is preserved module, is used for the described emergent remitted flowing water table of emergent agency that report text is kept at one's own profession of acting on behalf of;

Wholesale payment processes module is used for carrying out remitted business operation according to the emergent report text of acting on behalf of that is kept at the remitted flowing water table of emergent agency by large-amount payment system.

32. device as claimed in claim 31 is characterized in that, described device also comprises:

The control parameter configuration module is used for arranging the remitted state of a control parameter of the affiliated clearing bank of one's own profession, and this state parameter comprises normal condition and emergent remitted state at least;

The controlled variable processing module is used to be achieved as follows function:

When described remitted state of a control parameter is set to normal condition, only the wholesale payment message of one's own profession self is directly cleared by clearing bank under the one's own profession and large-amount payment system;

When described remitted state of a control parameter is set to emergent remitted state, should meet an urgent need and act on behalf of report text and be deposited into the remitted flowing water table of emergent agency, and the CCPC under one's own profession is forwarded to large-amount payment system country processing center with the described emergent report text of acting on behalf of, and clears by clearing bank under the one's own profession and large-amount payment system.

33. device as claimed in claim 32 is characterized in that, described device also comprises:

Receiver module as a result, being used to receive described emergent agency that described large-amount payment system sends changes and reports the corresponding clearance result of literary composition;

The result treatment unit is used for described clearance result is message as a result according to change reporting civilian processing format group bag, and described message as a result is sent to answers racing to converge the center.

34. device as claimed in claim 33 is characterized in that, described device also comprises:

The reconciliation module is used for carrying out reconciliation at predetermined instant and large-amount payment system;

Reconciliation partition module behind reconciliation module complete operation, according to the remitted mark partition of agency reconciliation result, is divided into the reconciliation result who contains the remitted mark of described agency and does not contain the reconciliation result of the remitted mark of described agency;

Act on behalf of the inventory generation module, generate the remitted inventory of agency for the reconciliation result that will contain the remitted mark of described agency;

Act on behalf of the inventory sending module, be used for the remitted inventory of described agency is forwarded to described consignment store by emergency fund transfer center.

35. an emergent remitted system that is used for large-amount payment system is characterized in that, described emergent remitted system comprises: emergency fund transfer center, the branch more than that communicates by letter with emergency fund transfer center;

Wherein, emergency fund transfer center is provided with such as the described emergent remitted device of any one in the claim 19 to 25.

36. emergent remitted system as claimed in claim 35 is characterized in that, is provided with such as the described emergent remitted device of claim 26 to 30 any one in described branch.

37. emergent remitted system as claimed in claim 36 is characterized in that, is provided with such as the described emergent remitted device of claim 31 to 34 any one in described branch.

38. the racing remittance system of answering as claimed in claim 35 is characterized in that, is provided with in described branch: as any described racing remittance device of answering of claim 26 to 30; With

Such as the described emergent remitted device of claim 31 to 34 any one.

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