CN104217362A - Sorting system based on Internet communication and offline transaction and online instant accounting method - Google Patents
Sorting system based on Internet communication and offline transaction and online instant accounting method Download PDFInfo
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Abstract
The invention relates to a sorting system based on Internet communication. The sorting system comprises a main control computer system and a sub-control computer subsystem which are connected together by means of Internet. The system further comprises a management module for managing the time sequence, processing, edition, storage and downloading of information flow output from and input into a host, a sorting module for forming an accounting list according to a settlement request, a basic database module for storing information relevant to a transaction event base, a registration module for maintaining the basic database module, an external communication module, a transaction terminal subsystem for sending a transaction request, uploading the transaction request, and receiving and executing the transaction result, and a transaction event flow recording module for storing transaction data to form a record. The invention further relates to a method for realizing offline transaction and online instant accounting of commodities based on the system.
Description
Technical field
The invention belongs in financial field the disposal of computerized accounting technology relating to commercial transaction, particularly based on internet, particularly terminal transaction online under the occasion that completes, and the speedy clearance method that the positive factor transferring the whole society is promoted economic development can be ensured.
Technical background
Along with society enter at a high speed flourishing Internet era, global trade integration process is almost with rapid changepl. never-ending changes and improvements.Along with the arrival of large data age, in the field of circulation, digital communication technology has penetrated into each link, causes the progress of social civilization, abundant, the innovation of financial instruments of trade content and the reasonable of transaction allocation.But traditional trading rules and clearing form are still changed and are rested in outmoded management mode, cannot adapt to the needs of large data age.In dramatic change particularly in current trade form, off-line transaction occupies an important position, settlement management after final trade completes is faced with the diversification of numerous foundation factors such as transaction voucher, financial institution, transaction agent, process of exchange third party, and proposes simple, reliable, accurate, fair, requirement fast.Cause traditional settlement mode and sorting management method cannot adapt to the demand in epoch, more cannot adapt to the retail trade of the expansion in blast trend, the demand of the sale of express delivery networking.The management software of outmoded sorting mechanism also cannot adapt to the producer of the multiple style of voucher of clearing and the clearing agent structure change of complexity and business transaction the 3rd people particularly consumer resources holder and products transactions to the promptness requirement of transaction mutual affection.In fact, above problem has influence on the persistent ailment that can whole market economy overcome traditional trade, the needs of diversification settlement mode are adapted to by modern management technology, and overcome large trade company by new management means and hold up payment for goods, the little difference quotient family source of goods is smooth, producer circulation difficulty, channel side drop into the disadvantages such as lack confidence, this problem anxious to be resolved in financial market at present just.
Summary of the invention
Order of the present invention is the system for settling account designed based on the internet digital communication high amount of traffic epoch, and is adapted to off-line transaction under various pattern, relates to the method for the online i.e. time-division account of primary association person interests in the field of circulation.System for settling account in the present invention can adapt to optical, electrical, magnetic, figure, bar code various voucher patterns, realize the multiple occasion of off-line transaction, under succinct, safe, accurate, the quick prerequisite ensureing process of exchange, the format setting in conjunction with trade mode data realizes utmost fair dealing and promotes business prosperity.
Concrete technical scheme of the present invention comprises the host computer system and sub-control computer subsystem that connect by internet, and the method realizing commodity off-line transaction, online i.e. time-division account involved on the basis of this system.
1. based on the score-clearing system of internet communication, structure comprises the host computer system and sub-control computer subsystem that connect by internet, and key is also to comprise in the structure of this system:
1) administration module, to go out, enter the sequential of host information stream, processing, editor, storage and pass down manage, comprise for concrete transaction terminal, proposition each clearing in requestor identity, transaction voucher classification, be suitable for trade mode and transaction content identifies, veritifies, and coordinate subsystems operation order, speed, data message relevant in process of exchange verified, calculates, pass down, record, transaction event code is generated automatically to each transaction request;
2) sorting module, carries out computing according to the trading formula that clearing ask the transaction event code determined to extract in billing agreements at every turn, completes the identification to transaction limit and point account detail data packing formation point bill;
3) basic data library module, is main body, object, third-party identity information and the code database that transaction event relates to, comprises the agreement of sharing in the benefit of communications protocol and transaction event each side, the financial institution code that registered participation is cashed and appointment clearing account;
4) Registering modules, safeguards basic data library module, carries out deleting or increasing;
5) communication module, according to the communications protocol pattern set, accepts the numerical information outside main frame, identifying information kind, transcribes into related memory cell by related information;
6) authentication subsystem, accept main frame send request, to the right as principal, the voucher true and false that relate in transaction, cash financial institution's authority and relate to voucher authenticity, security, legitimacy carry out certification and verification;
7) subsystem is cashed, communication mode by encryption and agreement accepts a point bill, after verifying checking, be converted to the financial institution passing to consumer under cashing instruction and submit to, transferred by this registration financial institution in time according to cashing instruction, turn and convert and send the note of having concluded the business to main frame;
8) transaction terminal subsystem: send transaction request to main control computer, upload about transaction agent, transaction object, the information of transaction content, code, accept and perform transaction results;
9) process recording module, by each process of exchange intermediate information in main frame stored in main frame working storage, after closing the transaction, is that index is stored in the archives region in this module titled with date and transaction code.
2. the method for commodity off-line transaction, online i.e. time-division account is realized based on above-mentioned score-clearing system.
Implement above method by the unified execution time order and speed coordinating each step of administration module in score-clearing system main frame, by transaction terminal subsystem initiate transaction request, through each construction module of score-clearing system and subsystem sequential processes, terminate in the identification of transaction terminal subsystem, key is that overall process specifically comprises the following steps:
1) by the demand file of transaction terminal subsystem editing transaction, host computer system is uploaded to;
2) Transaction Information is under coordinating at host management module, completes to carry out pattern-recognition to transaction event, check, form point bill to transaction credential authentication, processing editing;
3) billing files will be divided to pass back to transaction terminal, through transaction agent sign a bill accreditation, upload main frame and be forwarded to and cash subsystem;
4) cash subsystem check, assert in point bill convert to after information cash instruction set send to this transaction event binding finance payment mechanism system host and ask for the paid receipt of point account;
5) cash after subsystem core checks, transfer and cash, paid receipt is passed to transaction terminal, print transaction voucher.
Fairly obvious, native system comprises main system, also has certification, cashes, transaction terminal three subsystems, and each subsystem is all responsible for special function and in connection with professional servo control mechanism and accept the unified of the administration module in main system and coordinates and commander.The perfect database sort module of supporting setting is set in main and sub system, comprising multiple kinds module, trade mode module, registration master, object, association financial institution and stranger to the deal module, the settlement of transactions request under the multi-exchange form that completes that therefore can be very accurate, quick, safe is audited and realized the approval of transaction event to greatest extent and cash.The rule of off-line transaction can be stored in the main system module relevant with subsystem by the form of registration in advance, and include the management regulation of main system in simultaneously, thus for realize online sorting, pay down and and guide solve manufacturer's product payment for goods in circulation market for a long time by hold up puzzlement, for overcome society bad habit, advance social civilization to provide technological means effectively.
Further illustrate the present invention below in conjunction with accompanying drawing and how to realize described good effect.
Accompanying drawing explanation
Fig. 1 is the structured flowchart of this system for settling account
Fig. 2 is the structured flowchart of authentication subsystem
Fig. 3 is the structured flowchart cashing subsystem
Fig. 4 is the structured flowchart of transaction terminal subsystem
Fig. 5 is the structure flow chart realizing commodity off-line transaction, the online i.e. method of time-division account based on score-clearing system
Fig. 6 relates to from pattern-recognition, checks, transaction credential authentication, processing editing formed to the specifically block diagram step by step adopted the stage of point bill in the method for Fig. 5
Fig. 7 relates in this method to realize from point bill to cashing command logic block diagram by means of cashing in subsystem
Fig. 8 relate in this method relate to certification, re-authentication and on-line authentication process step figure.
Embodiment
In order to ensure the accurate, clear of this score-clearing system and fast processing massive dataflow and cash in time the clearing request that each transaction event proposes, possessed in the foundation structure of native system mass storage unit, the classification of meticulous database and flexibly, succinct data string structure.Thus can effectively to ensure from transaction event from request clearing goods arrival payment two feelings transaction step can online complete fast and accurately.Database structure perfect in native system structure and abundant, sufficient database data be administration module to the examining of each transaction event, verify, perform to provide and ensure fast and accurately.Enriching of communication mode, operate flexibly and adaptability widely for data transmit to provide with classification storage, thus can transaction terminal be directly arranged in overseas, only need to sign necessary commercial agreement in advance, the device type of transaction terminal is carried out expansion transformation according to the structural requirement of transaction terminal subsystem, the rule of registration, registration transaction and the cross-border billing agreements of relevant financial account.
Businessman holds up payment for goods, producer's false price difference, and bad habit for these years forms the persistent ailment of the field of circulation, causes the chain debts on the forfeiture of coml sincerity, transaction chain to build higher and higher.After native system imports effectively running, businessman, consumer's representative and manufacturer can be guided, by the transaction that every completes in merchant transaction terminal, all can be immediately deserved by commercial profit, producer's payment for goods is cashed immediately; Businessman takes out appropriate portion to return the intermediary that consumers or tissue visit trade company from specified profit, factory by instant separate to write out falsely price markup part or hold up loss part in the payment for goods of account repay the customers.Formed trade share in the benefit agreement as speedy clearance according to also can greatly boosting consumption.Adopt the result of this score-clearing system be all participate in transaction all obtain extra returns, facilitate coml sincere and facilitate business boom.
Following further planning has also been made in order to strengthen above useful effect native system:
Also comprise encryption communication module in the structure of score-clearing system, point bill that sorting module arithmetic is derived is returned the accreditation of requesting party's stamped signature by this module, then is encrypted, and mails to and cashes subsystem.
Point bill is determined according to trade agreement book, and consumer's outlet, businessman interest concessions both sides examine rear transaction further and legalize, and cash according to legalizing.
The basic database modular structure of further refinement comprises following divided data storehouse:
1) transaction code divided data storehouse, interior storage comprises the transaction code determined according to the criteria for classification of product, comprises the transaction object data of products transactions title, commerce features, transaction form
2) communications protocol divided data storehouse, classification stores supports multiple communication modes and message encoding format converting data, supports much information coding and transmission,
3) billing agreements divided data storehouse, classification stores the interpretative version to the multiple settlement mode of total transaction amount, and arranges the code of often kind of scheme,
4) register financial institution code divided data storehouse, store participation and cash and registered financial institution title, comprise bank, Alipay, remaining sum are precious, electronic accounting name on account, code.
More than relate to conclude the business the database of concrete event, can get more and more with relevant registering entities of concluding the business, agreement, mode of rule, financial institution along with using.And the quantity of information therefrom extracted specific to some transaction event codes is limited.Above disaggregated classification can by stratified for magnanimity information classification, coordinates vector table index, and the extraction that can realize relevant information fast and comparison are conducive to simplification that Chui Li state becomes and acceleration.
Also comprise third party's divided data storehouse in basic database modular structure, party intermediary involved in this database purchase process of exchange or the producer relevant information of products transactions, comprise third party's identity code and its clearing financial institution code and settle accounts account.Producer is not directly involved in, so be also classified as third party in business transaction.After the final transaction of product completes, the deserved turnover point account person of maximum amount is production unit.Actual conditions are that the payment for goods of production unit to be held up with all reasons by vacation or part holds up.Cause producer void to lift commodity price, chain debts are cumulative, form multiple economic bubble, are finally that society hides crisis, are injured to consumer eventually.The application direction of native system, encourages party intermediary and producer actively to identify oneself with intermediate links, and encourages producer extrude the foam in price and feed back to society, with the consumption enthusiasm of the enthusiasm and terminal consumer that excite party intermediary.The trading rules more than formed and rule of sharing in the benefit, can charge to the supervisory routine of point account with the protocol code form of point account.Thus form instant principle of distributing.The input of society's intermediary strength and the protection of consumers' rights and interests and bring the increase of consumption figure, directly stimulate the expansion of the setting of commercial terminal and base unit weight of concluding the business.The empirical evidence of trial run native system, the part that commercial terminal also has great enthusiasm to take out commercial profit adds and returns society, stimulates the more healthy development of transaction event.This illustrates, the foundation of native system will produce to social progress, economic development and the market boom, produce strong booster action.
Can be clear that from above analysis, third party involved in the structure of native system is very important for transaction event.Third party's divided data library module is set up in the design of therefore native system, and specific design code structure wherein.
Code structure in third party's divided data library module is divided into three layers: initial layer structure is S beginning, and S represents the party intermediary of transaction event association, heel numeral and receives this transaction event code of generation automatically after transaction request for main system; Second layer structure is Z beginning, represents code head, the digital settlement accounts code for party intermediary clearing financial institution of heel that transaction event has party intermediary to participate in sharing in the benefit, Z is code; Third layer structure is C beginning, this exchange hour has the manufacturer of products transactions to participate in, continue after numeral be clearing account in the financial institution of this transaction event code and production manufacturer.
Can find out that in third party's divided data library module, the data stored are and transaction event in 1 by reference to the accompanying drawings, be the information data along with trade mode and trade agreement choose by Registering modules.The unit be associated carries out sophisticated category according to third-party management mode, and data show that all unit degree possessing customer resources can identify oneself with among the transaction event of market economy in a variety of manners, and play a positive role.List mechanism just very active in commerce and trade activity at present in fig. 1 especially.Their degree can play huge impetus, and key is, how we take technological means to ensure the fairness of social paid labour remuneration.The present invention just gives a kind of fair allocat pattern, makes us by means of modem technology to promote this fairness.
Arrange to add in host computer system and cash the close module of data, this module is by point billing data encryption of sorting CMOS macro cell.Above technological means is in order to ensure the safety of relative clients account.
This score-clearing system, it is characterized in that arranging transaction file index area in transaction event process recording module, the information code structure of index vector comprises three sections: one section of lead segment formed for transaction code and trade date shuffling, second segment is the main code of product code and customer identification's code shuffling, and the 3rd section is party intermediary code and sharing in the benefit than data shuffling entity code.
In fact, whole transaction event is recorded main trade information by above technological means simply, clearly.For carry out later statistics and market survey remain complete information material.For manufacturer, businessman, consumer economy research unit, save system, normalized basic data.Be easy to accordingly carry out sorting-out in statistics, reliable Data support is found to later product development, market orientation, law of economic development.
Authentication subsystem structure comprises:
1) administration module is audited, the examination & verification item submitted to main frame is classified, subitem is checked, comprise whether transaction agent qualification legal, voucher of clearing's true and false and whether effective status immediately, cash financial institution whether to possess authority and cash mechanism's order IP address of terminal and whether correctly carry out examining, assert, result is forwarded to host computer system to store, above process, sequential are managed;
2) communication interface module: the exchange of information adopting agreement communications protocol transmission and main system, and be responsible for uploading the further verification of needs your information;
3) log-on data library module: the transaction agent identity code of this module stores registration, registration finance cashes terminating machine IP address code, the IP address code of trading terminal, the blacklist that financial institution provides, comprises the identification card number or enterprise code that relate to people.
Authentication subsystem be in fact with the basis instrument of existing financial certification authority system, i.e. official website on and carry out the follow-up of substantial cooperation and Operation system setting, and function adaptability transformation carried out to the existing system management software form subsystem.It must be the request can bearing the random certification submitted to.Particularly to the main body related in transaction case, transaction qualification, the legitimacy of voucher, the free feature of certification, need to examine online.Otherwise the legitimacy under massive dataflow and security cannot be ensured
Subsystem of cashing in this score-clearing system is crucial executive system, and involved structure comprises:
1) sub-argument module: divide bill information to process to input main frame, controls and coordinates deciphering, veritification, computing, compiles to cash instruction set and assign and cash main frame is cashed in instruction flow process and speed to the finance that transaction is bound;
2) deciphering module, is decrypted process to the encryption point bill that main frame sends, and proceeds to association store module after being verified by decryption information;
3) instruction transformation module, converts to cash instruction set and send to associated financial institution interface module and is sent to associated financial institution by a point bill and cashes host IP address;
4) financial institution's interface module, cashes the IP address of system and communications protocol according to registration financial institution and is formed and connect instruction set, will cash instruction and be sent to corresponding IP address respectively, paid note is returned host communication mouth;
5) registering transaction terminal database, the information of store transaction terminal and code, provide stochastic kernel to check card;
6) trade mode and code module, store transaction pattern information and code, provide and transfer the verification of instruction set, the data of checking;
7) cash logging modle, will the time of cashing be inserted in point bill and be stored in relational storage.
8) transaction association data module: intermediate store, stores the record getting in touch with question and answer with main frame, terminal subsystem, authentication subsystem.
Transaction code corresponding to each transaction event is automatically formed in main system and examination & verification checking is real again cashing in subsystem, the transaction code automatically formed after main system checking wherein and relevant information thereof namely by under pass in transaction association data module temporary, after a point bill pass to, examine aft-loaded airfoil through secondary be treated as and cash instruction.Be actually secondary to verify.
Transaction terminal subsystem is the originating end of each transaction, and this system architecture comprises:
1) program module, edits the settlement request information of input main frame and manages, and the information controlling and coordinate collection is converted to digital code, speed relevant information link being formed clearing demand file and flow process and transaction request is uploaded main frame;
2) voucher acquisition module, management harvester enters drainage pattern, coordinates the acquisition order of buyer's payment voucher information and code, is sent to terminating machine intermediate store;
3) input through keyboard module, completes the code of option dealing voucher and trade mode, the product code of transaction object and quantity through this module; Instruct relevant information collecting device to start and enter typing state; Send transaction request;
4) log-on data module, the storer of the log-on message that store transaction is correlated with and code
5) verify editor module, checking editor module, verifies the relevance of transaction voucher, extracts relevant information editing and to become to conclude the business demand file;
6) transaction display module, transaction flow monitors, reception process, intermediate information are fed back, and admits and directly feeds back to cash subsystem to reckoning stamped signature;
7) transaction document module, according to host process result, instructs printer output transaction document.
Each transaction terminal may take the even multiple credential information drainage pattern of one, comprises magnetic strip voucher, sound card voucher, cursor voucher, Quick Response Code icon account, chip credit card.The equipment of Information Monitoring is also not quite similar.So also just distinguish to some extent for the management program module of the different terminals of various voucher.The data that log-on data module is mainly assert in main system after registration formality.
In the log-on data module of transaction terminal subsystem, data structure comprises four sections, and one section is the registration code of this subsystem, and second segment is the code gathering voucher telltale, and the 3rd section is the code of trade mode, and the 4th is clearing form code.
The voucher acquisition module structure of transaction terminal subsystem comprises administration module, the administration module of sound card audio information acquisition device, the administration module of laser cursor harvester of IC-card harvester, the administration module of 2 D code information harvester.The administration module of magnet bar code harvester, carries out sequence management to the selection of associated apparatus, entry information, analog to digital conversion respectively with upper module.
Authentication subsystem is the authentication ' unit based on Electronic Finance certificate system in native system, and structure comprises transaction master, object authentication module, black list module, registering transaction terminal register module, and financial single-bit module is cashed in registration.
Transaction is main, object authentication module comprises direct comparing module: this module assay according to the need submitted in request information, from black list module, or registering transaction terminal register module, or registration is cashed the information that financial single-bit module proposes registered registration and is checked, and will " pass through " and the information back of "No" to host computer system.
Transaction is main, object authentication module comprises and uploads that to verify mould fast: will check content uploading when subsystem assert that log-on message need be checked further and arrive: mark, code management system that Ministry of Public Security's I.D. inquiry system or the information of industrial and commercial registration and code system or product quality and permission are sold; The result is returned host computer system.
Realize the method for commodity off-line transaction, online i.e. time-division account based on above said score-clearing system, there is the basis of enforcement.The method is with the unified execution time order and speed coordinating each step of score-clearing system host system management module, by transaction terminal subsystem initiate transaction request, through each construction module of score-clearing system and subsystem sequential processes, terminate in the identification of transaction terminal subsystem, specifically comprise the following steps:
1) by the demand file of transaction terminal subsystem editing transaction, host computer system is uploaded to;
2) Transaction Information is under coordinating at host management module, completes to carry out pattern-recognition to transaction event, check, generate transaction code and processing editing forms point bill to transaction credential authentication, automatically;
3) billing files will be divided to pass back to transaction terminal, through transaction agent sign a bill accreditation, upload main frame and be forwarded to and cash subsystem;
4) cash subsystem check, assert in point bill convert to after information cash instruction set send to this transaction event binding finance payment mechanism system host and ask for the paid receipt of point account;
5) cash after subsystem core checks, send and cash instruction, paid receipt is passed to transaction terminal, print transaction voucher.
Can be clear that with reference to Fig. 5: score-clearing system initiates request by terminal subsystem, the joggle petition is become through editing and processing, be delivered to excited system host, host computer system generates the code of this transaction by means of special module process and generates ledger bill as identity code, pass back to terminal subsystem transaction party concerned to sign a bill passback main frame, pass on and cash subsystem and send and cash instruction and paid information is beamed back.
Based on above-described system, determine and realize commodity off-line transaction, namely the method for time-division account can be implemented and obtain good effect online.
Wherein step 2) in be pattern-recognition is carried out to transaction event, check, to the further refinement statement of the process of transaction credential authentication, processing editing, comprise the following steps and form the disposal route of the concrete transaction event in main system: further illustrating below in conjunction with accompanying drawing 6
1. resolve transaction request file, according to the relevant information of code reverse main body, object, third party, clearing financial institution, transaction event agreement in demand file, to authentication subsystem, the request of verification is sent to consumer's payment voucher in this settlement of transactions pattern in requests transaction file and main body;
2. verify after sending to authentication subsystem in request, first performed by this subsystem and check and result passed back to the code of consumer's payment voucher that host computer system, wherein not registered register after this subsystem register and interior information are checked and prestige will start inspection request, to relevant official website, the result return main frame after verification is also made a copy for and cashed subsystem and keep in;
3. point account pattern according to billing agreements in this transaction event after verification message received by main frame, by sorting demand file conversion composition billing files;
4. will divide billing files by encrypt sending module encryption, under reach and cash subsystem, and proceed to process recording module stores.
The information registered in main system is respectively stored in special information module, and what can meet great majority clearing request checks requirement.For check rear produce query, must examine online.Guaranteeing just can determine deal under really legal prerequisite whether can proceed.
In the method for online i.e. time-division account, key is by step that is legal for point bill, orderly, that be converted into instruction set, comprising:
1) cash transaction point bill that subsystem receives to form data text through deciphering module process and proceed to working storage;
2) to the data information relating to settlement accounts in point billing data file with cash storing information in subsystem and carry out again comparison one by one, veritify related data, comprise the transaction litigant identification of signing a bill, to determine point legitimacy of account instruction, rationality, accuracy, an integrality;
3) converge with being converted to and borrow by examining errorless point of account information, borrow director data string, composition director data collection, be sent to associated financial institution respectively by sub-argument module coordination and process.
Point bill is treated as and cashes the step that instruction is most critical,
The said method realizing commodity off-line transaction, online i.e. time-division account above, wherein saidly in step 4) to borrow, borrows director data string structure and comprise: cash secret key code, the side's of cashing account, cash value data.
Above cashing in the structure of secret key code at least comprises three layers: the agreed code cashing center and instruction receiving mechanism, and this is by the transaction event code of system host administration module self-generating, to the receipt code of both parties' stamped signature accreditation of point bill.
Claims (9)
1., based on the score-clearing system of internet communication, structure comprises the host computer system and sub-control computer subsystem that connect by internet, it is characterized in that also comprising in the structure of this system:
1) administration module, manage going out, entering the sequential of host information stream, processing, editor, storage and pass down, comprise the identity of concrete transaction terminal, each clearing requesting party qualification proposed, transaction voucher classification, applicable trade mode and transaction content are identified, veritified, and coordinate subsystems operation order, speed, data message relevant in process of exchange verified, calculates, pass down, record, transaction event code is generated automatically to transaction request;
2) sorting module, carries out computing according to the trading formula that clearing ask the transaction event code determined to extract in billing agreements, completes the identification to transaction limit and point account detail data packing formation point bill;
3) basic data library module, is main body, object, third-party identity information and the code database that transaction event relates to, comprises the agreement of sharing in the benefit of communications protocol and transaction event each side, the financial institution code that registered participation is cashed;
4) Registering modules, safeguards basic data library module, deletes or increases;
5) communication module, according to the communications protocol pattern set, accepts the numerical information outside main frame, identifying information kind, transcribes into related memory cell by related information;
6) authentication subsystem, accept main frame send request, to the right as principal, the voucher true and false that relate in transaction, cash financial institution's authority and relate to voucher authenticity, security, legitimacy carry out certification and verification;
7) subsystem is cashed, communication mode by encryption and agreement accepts a point bill, after verifying checking, be converted to the financial institution passing to consumer under cashing instruction and submit to, transferred by this registration financial institution in time according to cashing instruction, turn and convert and send the note of having concluded the business to main frame;
8) transaction terminal subsystem: send transaction request to main control computer, upload transaction agent, transaction object, the information of transaction content, code, accept and perform transaction results;
9) transaction event process recording module, by each process of exchange intermediate information in main frame stored in main frame working storage, after closing the transaction, is that the data of index are stored in the archives region in this module titled with date and transaction code.
2. according to the said score-clearing system of claim 1, it is characterized in that also comprising encryption communication module in the structure of this score-clearing system, point bill that sorting module arithmetic is derived is returned the accreditation of requesting party's stamped signature by this module, then is encrypted, and mails to and cashes subsystem.
3., according to the said score-clearing system of claim 1, it is characterized in that basic database modular structure comprises following divided data storehouse:
1) transaction code divided data storehouse, interior storage comprises the transaction code determined according to the criteria for classification of product, comprises the transaction object data of products transactions title, commerce features, transaction form
2) communications protocol divided data storehouse, classification stores supports multiple communication modes and message encoding format converting data, supports much information coding and transmission,
3) billing agreements divided data storehouse, classification stores the code to the interpretative version of the multiple settlement mode of turnover, and arranges the code of often kind of scheme,
4) register financial institution code divided data storehouse, store participation and cash and registered financial institution title, comprise bank, Alipay, remaining sum are precious, electronic accounting name on account, code.
4. according to the said score-clearing system of claim 3, it is characterized in that in basic database modular structure, also comprising third party's divided data storehouse, party intermediary in the transaction of this database purchase or the producer relevant information of products transactions, comprise third party's identity code and its clearing financial institution code and settle accounts account; According to the said score-clearing system of claim 4, it is characterized in that the code structure in third party's divided data library module is divided into three layers: initial layer structure is S beginning, S represents the party intermediary of transaction event association, heel numeral and receives this transaction event code of generation automatically after transaction request for main system; Second layer structure is Z beginning, represents code head, the digital settlement accounts code for party intermediary clearing financial institution of heel that transaction event has party intermediary to participate in sharing in the benefit, Z is code; Third layer structure is C beginning, this exchange hour has the manufacturer of products transactions to participate in, continue after numeral be clearing account in the financial institution of this transaction event code and production manufacturer; According to the said score-clearing system of claim 1, it is characterized in that arranging in host computer system cashing the close module of data, this module is by point billing data encryption of sorting CMOS macro cell; According to the said score-clearing system of claim 1, it is characterized in that arranging transaction file index area in transaction event process recording module, the information code architecture of index vector comprises three sections: one section of index segment formed for transaction code and trade date shuffling, second segment is the main code of product code and customer identification's code shuffling, and the 3rd section is party intermediary code and share in the benefit than data shuffling entity code; According to the said score-clearing system of claim 1, it is characterized in that authentication subsystem structure comprises:
1) administration module is audited, the examination & verification item submitted to main frame is classified, subitem is checked, comprise whether transaction agent qualification legal, voucher of clearing's true and false and whether effective status immediately, cash financial institution whether to possess authority and cash mechanism's order IP address of terminal and whether correctly carry out examining, assert, result is forwarded to host computer system to store, above process, sequential are managed;
2) communication interface module: the exchange of information adopting agreement communications protocol transmission and main system, and be responsible for uploading the further verification of needs your information;
3) log-on data library module: the transaction agent identity code of this module stores registration, registration finance cashes terminating machine IP address code, the IP address code of trading terminal, the blacklist that financial institution provides, comprises the identification card number or enterprise code that relate to people; According to the said score-clearing system of claim 1, it is characterized in that the structure cashing subsystem comprises:
1) sub-argument module: divide bill information to process to input main frame, controls and coordinates deciphering, veritification, computing, compiles and cash instruction set and assign the flow process and speed of cashing the financial institution that instruction is bound to transaction;
2) deciphering module, is decrypted process to the encryption point bill that main frame sends, and proceeds to association store module after being verified by decryption information;
3) instruction transformation module, converts to cash instruction set and send to associated financial institution interface module be sent to associated financial institution host IP address by a point bill;
4) financial institution's interface module, cashes the IP address of system and communications protocol according to registration financial institution and is formed and connect instruction set, will cash instruction and be sent to corresponding IP address respectively, paid note is returned host communication mouth;
5) registering transaction terminal database, the information of store transaction terminal and code, provide and verify checking;
6) trade mode and code module, store transaction pattern information and code, provide and transfer the verification of instruction set, the data of checking;
7) cash logging modle, will the time of cashing be inserted in point bill and be stored in relational storage;
8) transaction association data module: intermediate store, stores the record getting in touch with question and answer with main frame, terminal subsystem, authentication subsystem;
10, according to the said score-clearing system of claim 1, it is characterized in that the structure of transaction terminal subsystem comprises:
1) program module, edits the settlement request information of input main frame and manages, and the information controlling and coordinate collection is converted to digital code, speed relevant information link being formed clearing demand file and flow process and transaction request is uploaded main frame;
2) voucher acquisition module, management harvester enters drainage pattern, coordinates the acquisition order of buyer's payment voucher information and code, is sent to terminating machine intermediate store;
3) input through keyboard module, completes the code of option dealing voucher and trade mode, the product code of transaction object and quantity through this module; Instruct relevant information collecting device to start and enter typing state; Send transaction request;
4) log-on data module, the storer of the log-on message that store transaction is correlated with and code
5) verify editor module, verify the relevance of transaction voucher, extract relevant information editing and to become to conclude the business demand file;
6) transaction display module, transaction flow monitors, reception process, intermediate information are fed back, and admits and directly feeds back to cash subsystem to reckoning stamped signature;
7) transaction document module, according to host process result, instructs printer output transaction document; According to the said score-clearing system of claim 10, it is characterized in that in the log-on data module of transaction terminal subsystem, data structure comprises four sections, one section is the registration code of this subsystem, second segment is the code gathering voucher telltale, 3rd section is the code of trade mode, and the 4th is clearing form code; According to the said score-clearing system of claim 10, it is characterized in that the voucher acquisition module structure of transaction terminal subsystem comprises administration module, the administration module of sound card audio information acquisition device, the administration module of laser cursor harvester of IC-card harvester, the administration module of 2 D code information harvester;
The administration module of magnet bar code harvester, carries out sequence management to the selection of associated apparatus, entry information, analog to digital conversion respectively with upper module; According to the said score-clearing system of claim 1, it is characterized in that authentication subsystem is the authentication ' unit based on Electronic Finance certificate system in native system, structure comprises transaction master, object authentication module, black list module, registering transaction terminal register module, financial single-bit module is cashed in registration; According to the said score-clearing system of claim 13, main, the object authentication module of it is characterized in that concluding the business comprises direct comparing module: this module assay according to the need submitted in request information, from black list module, or registering transaction terminal register module, or registration is cashed the information that financial single-bit module proposes registered registration and is checked, and will " pass through " and the information back of "No" to host computer system; According to the said score-clearing system of claim 14, main, the object authentication module of it is characterized in that concluding the business comprises uploads that to verify mould fast: will check content uploading when subsystem assert that log-on message need be checked further and arrive: mark, code management system that Ministry of Public Security's I.D. inquiry system or the information of industrial and commercial registration and code system or product quality and permission are sold; The result is returned host computer system.
5. the method for commodity off-line transaction, online i.e. time-division account is realized based on the said score-clearing system of claim 1, by the unified execution time order and speed coordinating each step of score-clearing system host system management module, by transaction terminal subsystem initiate transaction request, through each construction module of score-clearing system and subsystem sequential processes, terminate in the identification of transaction terminal subsystem, it is characterized in that specifically comprising the following steps:
1) by the demand file of transaction terminal subsystem editing transaction, host computer system is uploaded to;
2) Transaction Information is under coordinating at host management module, completes to carry out pattern-recognition to transaction event, check, form point bill to transaction credential authentication, processing editing;
3) billing files will be divided to pass back to transaction terminal, through transaction agent sign a bill accreditation, upload main frame and be forwarded to and cash subsystem;
4) subsystem check, assert in point bill convert to after information cash instruction set send to this transaction event binding finance payment mechanism system host and ask for the paid receipt of point account;
5) cash after subsystem core checks, transfer and cash, paid receipt is passed to transaction terminal, print transaction voucher.
6., according to the said method realizing commodity off-line transaction, online i.e. time-division account of claim 5, it is characterized in that step 2) in pattern-recognition carried out to transaction event, check, the process of transaction credential authentication, processing editing comprised the following steps:
1) resolve transaction request file, according to the relevant information of code reverse main body, object, third party, clearing financial institution, transaction event agreement in file, to authentication subsystem, the request of verification is sent to consumer's payment voucher in this settlement of transactions pattern in requests transaction file and main body;
2) after sending to authentication subsystem in verification request, first performed by this subsystem and check and result passed back to the code of consumer's payment voucher that host computer system, wherein not registered register after this subsystem register and interior information are checked and prestige will start inspection request, to relevant official website, the result return main frame after verification is also made a copy for and cashed subsystem and keep in;
3) point account pattern according to billing agreements in this transaction event after verification message received by main frame, by sorting demand file conversion composition billing files;
4) will divide billing files by encrypt sending module encryption, under reach and cash subsystem, and proceed to process recording module stores.
7., according to the said method realizing commodity off-line transaction, online i.e. time-division account of claim 5, it is characterized in that the step in step 4), point bill being converted into instruction set comprises:
1) cash transaction point bill that subsystem receives to form data text through deciphering module process and proceed to working storage;
2) to the data information relating to settlement accounts in point billing data file with cash storing information in subsystem and carry out again comparison one by one, veritify related data, comprise the transaction litigant identification of signing a bill, to determine point legitimacy of account instruction, rationality, accuracy, an integrality;
3) converge with being converted to and borrow by examining errorless point of account information, borrow director data string, composition director data collection, be sent to associated financial institution respectively by sub-argument module coordination and process.
8., according to the said method realizing commodity off-line transaction, online i.e. time-division account of claim 7, it is characterized in that saidly in step 3) borrowing, borrow director data string structure and comprise: cash secret key code, the side's of cashing account, cash value data.
9. the said method realizing commodity off-line transaction, online i.e. time-division account according to Claim 8, it is characterized in that wherein said cashing in the structure of secret key code at least comprises three layers: the agreed code cashing center and instruction receiving mechanism, this is by the transaction event code of system host administration module self-generating, to the receipt code of both parties' stamped signature accreditation of point bill.
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