CN103413241A - Bank reception and payment system - Google Patents
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- CN103413241A CN103413241A CN2013102913842A CN201310291384A CN103413241A CN 103413241 A CN103413241 A CN 103413241A CN 2013102913842 A CN2013102913842 A CN 2013102913842A CN 201310291384 A CN201310291384 A CN 201310291384A CN 103413241 A CN103413241 A CN 103413241A
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Abstract
The invention discloses a bank reception and payment system used for receiving a request of a merchant business system, carrying out analysis processing according to the request, sending the request to a payment for another bank to carry out payment for another, and sending a payment for another result back to the merchant business system through a reception and payment system. The reception and payment system comprises a web server, a background application system host machine and a database management system host machine. The merchant business system sends a reception and payment file to the web server which extracts the related information in the reception and payment file and places a reception and payment task into a suitable working flow. The background application system host machine carries out splitting according to bank channels and according to a reception and payment service, generates a batch payment for another instruction according to each bank interface requirement stored in the database management system host machine and sends the instruction to each bank channel. A reception and payment bank receives the payment for another instruction and then carries out payment for another, and the payment for another result is sent back to the merchant business system through the web server.
Description
Technical field
The present invention relates to bank and withhold the system of paying, more specifically, relate to a kind ofly when meeting and withholding and pay service needed, the bank that can reduce the use cost of channel withholds the system of paying.
Background technology
Pay out business: the business of paying out refers to be withheld the system of paying and replaces the pay process of account of appointment of trade company.
Pay out the fund business description:
System receives paying out that trade company submits to every day and send the dish file, send the dish file to comprise the account number that trade company need to pay out, name in an account book, the amount of money and the required Bank Name of paying out place, the several time points of system setting every day are added up the required amount of money of paying out of each bank, withhold the company of paying and opened account at each bank's channel, the fund allocation and transfer program can be calculated the transaction of paying out whether each channel account of bank has enough payment fundings trade company automatically, if not, the fund that the fund allocation and transfer program lacks calculating, and automatically from other, exist the account of the unnecessary amount of money to allot the account that is in want of funds, after receiving fund, the account be in want of funds will automatically trigger the transaction of paying out of trade company, existence due to fund allocation and transfer, system is paid out process without the fund that manual intervention can complete trade company, guaranteed that the transaction of paying out between different trade companies completes smoothly and in an orderly manner.
The existing system of paying of withholding is when carrying out receipt and payment, and the channel cost of use is higher.
Summary of the invention
Fundamental purpose of the present invention is to propose a kind of when meeting and withholding and pay service needed, and the bank that can reduce the use cost of channel withholds the system of paying.
To achieve these goals, technical scheme of the present invention is as follows:
A kind of bank withholds the system of paying, and be used to receiving the request of trade company's operation system, and according to its request, carries out analyzing and processing and is sent to paying bank and pays out, and will pay out result and return to trade company's operation system by withholding the system of paying; Described payment system comprises Web server, background application system main frame and data base management system (DBMS) main frame; Described trade company operation system sends to withhold pays file to Web server, described Web server extracts withholds the relevant information of paying in file, and this is withheld to the task of paying and put into suitable workflow, the background application system main frame is withheld according to this business of paying and is split by bank's channel, and require to generate according to being stored in each bank interface in the data base management system (DBMS) main frame that paying out instruction sends to each bank's channel in batches, withhold and pay a bank and receive after paying out instruction and pay out, will pay out result by Web server rreturn value trade company operation system;
Described background application system main frame also needs to calculate the amount of money that each channel family of this play needs fund allocation and transfer:
Treat that the fund allocation and transfer amount of money=current Yu E of this channel account – pays out the minimum guaranty money-∑ of business (this channel is paid out in batches business and dealt with fund)-∑ (treating that clearance freezes the amount of money) in real time.
Further, described Web server adopts the pattern of two-node cluster hot backup.
Further, described background application system main frame and data base management system (DBMS) main frame adopt standby hot standby pattern mutually.
Further, described trade company operation system with withhold the system of paying and directly be connected, directly initiation business of trade company's operation system is to withholding a pair system; After withholding pair system business processing, result is returned to trade company's operation system; The direct connection pattern is all on by http post mode, concluding the business, to deliver to the system of paying of withholding.
Further, described trade company operation system with withhold the system of paying and directly be not connected, trade company's operation system is initiated corresponding service by the Web server of withholding the system of paying, the return message of withholding the system of paying is in the Web server inquiry or download, trade company's operation system and withhold between the Web server of the system of paying and carry out exchanges data by the disk mode; By browser, upload transaction file and deliver to the system of paying of withholding on concluding the business.
Compared with prior art, beneficial effect of the present invention is: under the condition without manual intervention, the fund that can complete trade company is paid out process, has guaranteed that the transaction of paying out between different trade companies completes smoothly and in an orderly manner.
The accompanying drawing explanation
Fig. 1 is the connection diagram that bank of the present invention withholds the system of paying.
Fig. 2 is that bank of the present invention withholds the structural representation that the system of paying adopts the direct connection pattern.
Fig. 3 is the structural representation that bank of the present invention withholds gang mould formula between the system of paying employing.
Fig. 4 is that bank of the present invention withholds the structural representation that the system of paying adopts gang mould formula between FTP.
Fig. 5 is that bank of the present invention withholds a pair process schematic diagram.
Fig. 6 is that bank of the present invention pays out cash flow figure.
Embodiment
Below in conjunction with accompanying drawing, the present invention is described further, but embodiments of the present invention are not limited to this.
System receives paying out that trade company submits to every day and send the dish file, send the dish file to comprise the account number that trade company need to pay out, name in an account book, the amount of money and the required Bank Name of paying out place, the several time points of system setting every day are added up the required amount of money of paying out of each bank, my department has opened account at each bank's channel, the fund allocation and transfer program can be calculated the transaction of paying out whether each channel account of bank has enough payment fundings trade company automatically, if not, the fund that the fund allocation and transfer program lacks calculating, and automatically from other, exist the account of the unnecessary amount of money to allot the account that is in want of funds, after receiving fund, the account be in want of funds will automatically trigger the transaction of paying out of trade company, existence due to fund allocation and transfer, system is paid out process without the fund that manual intervention can complete trade company, guaranteed that the transaction of paying out between different trade companies completes smoothly and in an orderly manner.
As Fig. 1, a kind of bank withholds the system of paying, and be used to receiving the request of trade company's operation system, and according to its request, carries out analyzing and processing and is sent to paying bank and pays out, and will pay out result and return to trade company's operation system by withholding the system of paying; Described payment system comprises Web server, background application system main frame and data base management system (DBMS) main frame; Described trade company operation system sends to withhold pays file to Web server, described Web server extracts withholds the relevant information of paying in file, and this is withheld to the task of paying and put into suitable workflow, the background application system main frame is withheld according to this business of paying and is split by bank's channel, and require to generate according to being stored in each bank interface in the data base management system (DBMS) main frame that paying out instruction sends to each bank's channel in batches, withhold and pay a bank and receive after paying out instruction and pay out, will pay out result by Web server rreturn value trade company operation system;
Described background application system main frame also needs to calculate the amount of money that each channel family of this play needs fund allocation and transfer:
Treat that the fund allocation and transfer amount of money=current Yu E of this channel account – pays out the minimum guaranty money-∑ of business (this channel is paid out in batches business and dealt with fund)-∑ (treating that clearance freezes the amount of money) in real time.
The system interaction connection mode
As shown in Figure 2, direct connection pattern: namely trade company's operation system with withhold the system of paying and directly be connected.Directly initiation business of trade company's operation system is to withholding the system of paying; After withholding pair system business processing, result is returned to trade company's operation system; The direct connection pattern is all on by http post mode, concluding the business, to deliver to the system of paying of withholding.
As shown in Figure 3, a gang mould formula: namely trade company's operation system with withhold the system of paying and directly be not connected.Trade company's operation system can not directly be initiated business, can only initiate corresponding service by the WEB end of withholding the system of paying, withholds the return message of the system of paying and also can only or download in the inquiry of WEB end.Trade company's operation system and withhold and pay between the system WEB end and can carry out exchanges data by the disk mode; By browser (as IE), upload transaction file and deliver to the system of paying of withholding on concluding the business.
As shown in Figure 4, gang mould formula between FTP: the one, from trade company's ftp server, get business; The 2nd, from Unionpay's network ftp server, get business; After trade company's generation transaction data is placed on ftp server, circularize Unionpay's network system; Unionpay's network generation circularizes trade company after returning results and putting into ftp server.During configuration, to configure the upload file ftp server, return the dish ftp server, clearance data ftp server relevant information; By on ftp client mode, delivering easily to withholding the system of paying.
As shown in Figure 5, single is paid out (on deliver easily only have one) and pays out in batches (on deliver easily have many).
As shown in Figure 6,
S1. trade company pays out or pays out in batches business by direct connection interface or a connecting port to Unionpay's network initiation single.
S2. the inner reviewing officer of trade company checks paying out business in batches.
S3. Unionpay's network extracts relevant information after receiving and paying out file, according to trade company's character, merchant account remaining sum whether sufficient (real account remaining sum+accrediting amount), pay out fund whether to account, pay out the combination conditions such as the amount of money, urgency level, this is paid out to task and puts into suitable workflow.As each workflow, can relate to the different links (confirming as business assistant director business) of examining.
S4. after business assistant director business is confirmed, system will enter the fund allocation and transfer flow process and carry out fund allocation and transfer.
S5. Unionpay's network will be examined the instruction of paying out of passing through and split by bank's channel, and according to each bank interface, require to generate that paying out instruction sends to each bank's channel in batches.
S6. paying bank checks whether pay out fund arrives account after receiving and paying out in batches instruction.If fund has arrived account, bank detailed completes the clients fund credit by pen according to paying out, and will pay out the result packing and return to Unionpay's network.
S7. Unionpay's network receives that batch that all paying banks return pays out after destination file packing in the lump and return to trade company.
Because Unionpay's network has all been opened account in multiple support channels, for the gathering of collecting business and the payment of paying out business.Wherein certain channel account (as Construction Bank) is withheld the main clearance family of the business of paying as Unionpay's network, and we can be called main clearance family, and the account of other each channel is called the channel family.In order to improve the service efficiency of fund, be necessary these accounts are carried out to fund allocation and transfer, to meet to withhold, pay service needed, reduce as much as possible the use cost of channel.
Each trade company and channel have all been opened virtual settlement accounts in withholding the system of paying, the processing of each business, the clearance of each voucher, the remaining sum of these settlement accounts is corresponding and then change also, can say, the virtual settlement accounts of these channels is exactly the shadow account of Unionpay's network at corresponding channel family.The virtual settlement accounts that only needs to guarantee these channels can meet the clearance of a upper play and pay out needs, and its required amount of money is minimal balance, current remaining sum and minimal balance poor, the actual value that needs exactly to carry out fund allocation and transfer.
(1) the channel family minimum balance that need to retain
(11) for the account of Unionpay's network at each channel, need to guarantee the account can meet these fund allocation and transfer before needs submit to the batch of channel to pay out business payment needs;
(12) for what meet a period of time, pay out in real time service needed, should guarantee that channel family reserve part remaining sum is as paying out settlement fund, the number of reservation can be adjusted as required;
(13) a upper clearance play need to be to the collecting business fund of trade company clearance, pay out service fail and return to fund, if need to clear from this channel, should retain this part fund, this part treats that settlement fund can first be freezed as the amount of money by virtual settlement accounts, while submitting actual clearance to, thaws and withholds and realize;
(14) the channel management expense that need to pay away on the same day of channel family, service charges etc., equally first carry out the amount of money and freeze, and thaws and withhold during actual clearance;
(2) fund allocation and transfer rule
(21) calculate the amount of money that each channel family of this play needs fund allocation and transfer:
Treat that the fund allocation and transfer amount of money=current Yu E of this channel account – pays out the minimum guaranty money-∑ of business (this channel is paid out in batches business and dealt with fund)-∑ (treating that clearance freezes the amount of money) in real time
Illustrate
Construction Bank is for collecting family, and industrial and commercial bank, agricultural bank, middle row, China Merchants Bank are the channel family, and the D of trade company goes to the business of paying out in batches, supplemented 100w with money to industrial and commercial bank's account, and sent and in batches pay out file to native system, after sorting, dealt with Construction Bank, industrial and commercial bank, agricultural bank and be respectively 20w, 50w, 30w; The A of trade company, withholding of B paid the fund agreement by Construction Bank's clearance in the past, the C of trade company withholds the fund of paying agreement by industrial and commercial bank's clearance in the past, the D of trade company, E withhold the fund of paying agreement by the row clearance in the past; Suppose Construction Bank, industrial and commercial bank, agricultural bank, middle row, China Merchants Bank's current remaining sum of each account are respectively 470w, 60w, and 65w, 178w, 91w, pay out the minimum guaranty money of business and be respectively 50w, 30w, 20w, 15w, 10w in the time of in fact.A upper clearance play should be given the A of trade company, B, and C, D, the fund of E clearance is respectively 20w, 30w, 40w, 10w, 50w.
1) each channel family sum that need to disburse funds:
Industrial and commercial bank: 50w+40w // D of trade company pays out in batches the business amount of money to be paid and the C of trade company and treats that clearance is withheld and pay an amount of money
Agricultural bank: 30w // D of trade company pays out the business amount of money to be paid in batches
Middle row: 10w+50w // D of trade company, E wait to clear to withhold and pay an amount of money
China Merchants Bank: 0 w
Construction Bank: 20w+20w+30w // D of trade company pays out the business amount of money to be paid and the A of trade company in batches, and B waits to clear to withhold and pays an amount of money
2) each channel family needs the amount of money of fund allocation and transfer:
Industrial and commercial bank: 60w-50w – 30w – 40w=-60w
Agricultural bank: 65w – 30w – 20w=15w
Middle row: 178w – 15w – 50w=113w
China Merchants Bank: 91w-10w=81w
Only the amount of money of calling in of Construction Bank (main clearance family) is alloted amount of money sum for other each row
Each channel family fund allocation and transfer form:
| Channel is called for short | Blocked funds to be cleared | This play is waited the fund of paying | Pay out in real time the minimum guaranty money of business | Last time remaining sum | Should allocate and transfer funds |
| Construction Bank (main clearance family) | 50w | 30w | 50w | 470w | -149 |
| Industrial and commercial bank | 40w | 50w | 30w | 60w | -60w |
| Agricultural bank | 0w | 30w | 20w | 65w | 15w |
| Middle row | 50w | 0w | 15w | 178w | 113w |
| China Merchants Bank | 0w | 0w | 10w | 91w | 81w |
According to top result of calculation, by agricultural bank, in row, the channel family of the China Merchants Bank fund of alloting to Construction Bank be respectively 15w, 113w, 81w, the fund of being alloted to industrial and commercial bank's channel family by Construction Bank is 60w, the clean transferred funds of Construction Bank are 149w.
Above-described embodiments of the present invention, do not form the restriction to protection domain of the present invention.Any modification of having done within spiritual principles of the present invention, be equal to and replace and improvement etc., within all should being included in claim protection domain of the present invention.
Claims (5)
1. a bank withholds the system of paying, and be used to receiving the request of trade company's operation system, and according to its request, carries out analyzing and processing and is sent to paying bank and pays out, and will pay out result and return to trade company's operation system by withholding the system of paying; It is characterized in that, described payment system comprises Web server, background application system main frame and data base management system (DBMS) main frame; Described trade company operation system sends to withhold pays file to Web server, described Web server extracts withholds the relevant information of paying in file, and this is withheld to the task of paying and put into suitable workflow, the background application system main frame is withheld according to this business of paying and is split by bank's channel, and require to generate according to being stored in each bank interface in the data base management system (DBMS) main frame that paying out instruction sends to each bank's channel in batches, withhold and pay a bank and receive after paying out instruction and pay out, will pay out result by Web server rreturn value trade company operation system;
Described background application system main frame also needs to calculate the amount of money that each channel family of this play needs fund allocation and transfer:
Treat that the fund allocation and transfer amount of money=current Yu E of this channel account – pays out the minimum guaranty money-∑ of business (this channel is paid out in batches business and dealt with fund)-∑ (treating that clearance freezes the amount of money) in real time.
2. bank according to claim 1 withholds the system of paying, and it is characterized in that, described Web server adopts the pattern of two-node cluster hot backup.
3. bank according to claim 1 withholds the system of paying, and it is characterized in that, described background application system main frame and data base management system (DBMS) main frame adopt standby hot standby pattern mutually.
4. according to the described bank of claim 2 or 3, withhold the system of paying, it is characterized in that, described trade company operation system with withhold the system of paying and directly be connected, directly initiation business of trade company's operation system is to withholding a pair system; After withholding pair system business processing, result is returned to trade company's operation system; The direct connection pattern is all on by http post mode, concluding the business, to deliver to the system of paying of withholding.
5. according to the described bank of claim 2 or 3, withhold the system of paying, it is characterized in that, described trade company operation system with withhold the system of paying and directly be not connected, trade company's operation system is initiated corresponding service by the Web server of withholding the system of paying, the return message of withholding the system of paying is in the Web server inquiry or download, trade company's operation system and withhold between the Web server of the system of paying and carry out exchanges data by the disk mode; By browser, upload transaction file and deliver to the system of paying of withholding on concluding the business.
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| CN2013102913842A CN103413241A (en) | 2013-07-12 | 2013-07-12 | Bank reception and payment system |
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| CN2013102913842A CN103413241A (en) | 2013-07-12 | 2013-07-12 | Bank reception and payment system |
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