CN105931112A

CN105931112A - Cross-border transaction liquidation method and system

Info

Publication number: CN105931112A
Application number: CN201510831025.0A
Authority: CN
Inventors: 冯哲; 樊华; 吕伊蒙
Original assignee: China Unionpay Co Ltd
Current assignee: China Unionpay Co Ltd
Priority date: 2015-11-25
Filing date: 2015-11-25
Publication date: 2016-09-07

Abstract

The invention discloses a cross-border transaction liquidation method and system. A cross-zone liquidation center determines the information of a card issuer making transaction with an accepter based on the international business transaction information in the transaction request emitted by the acceptor; the transaction request is forwarded to the card issuer based on the information of the card issuer; based on the international business transaction information in the transaction request, and the international business liquidation between the acceptor and the cross-zone liquidation center and the international business liquidation between the card issuer and the cross-zone liquidation center are carried out. The interface unification of the local liquidation center and the cross-zone liquidation center in the different subareas can be realized, the cross-border transaction cost between the member mechanisms is low, and the system design complexity is reduced.

Description

Cross-border transaction clearing method and system

Technical Field

The invention relates to the technical field of communication, in particular to a cross-border transaction clearing method and a cross-border transaction clearing system.

Background

International business generally means that transaction acceptance and issuing institutions belong to different administrative regions, such as singapore issuing and consumption in thailand. The cross-border transaction acceptance mechanism is directly connected with card issuers in different regions in a network mode, all international services are generally uploaded to a clearing mechanism in order to reduce transaction cost and unify service specifications, and the clearing mechanism completes switching and clearing of transactions.

Currently, there are two clearing frameworks for cross-region services by clearing institutions:

the first clearing frame is shown in fig. 1, the clearing institutions capable of accepting cross-border transactions are connected with member institutions in a star shape, the accepting institutions and the card issuing institutions of different sub-areas (sub-area A, such as Singapore; sub-area B, such as Thailand) are directly connected to the clearing total center, and the clearing total center directly conducts clearing among the member institutions. No matter the accepting mechanism and the card issuing mechanism belong to cross-border transactions of different sub-areas, or the accepting mechanism and the card issuing mechanism belong to local transactions of the same sub-area, the transaction is cleared uniformly by a clearing total center. Although the resource integration is realized, the personalized appeal of overseas member organizations in aspects of service expansibility, local information parameterization, daily cutting, holidays, data security and the like cannot be met, and the political economic environment requirement in a corresponding area cannot be met. For example, the clearing total center only has one day-to-day time point, which cannot meet the requirements of different administrative regions for time zones and different festivals and holidays; whether the local service or the cross-region service is adopted, the service is uniformly uploaded to a clearing total center, and the clearing requirement in the local service cannot be met; all member organizations belong to the same level, and the clearing rules and the charging method of the cross-border transaction local side are unified with the international business standard and cannot be localized; the clearing general center directly clears the member institutions, and the service appeal of uniform settlement by a local system is inconvenient to realize.

The second clearing frame is shown in fig. 2, where a sub-area a (e.g., singapore), a sub-area B (e.g., thailand), and a sub-area C (e.g., russia) are each established with an independent local clearing center, the local clearing centers of different sub-areas are connected with each other, and the local clearing centers of the respective sub-areas are connected with a local acceptance organization and a card issuing organization. Specifically, local services are processed by local clearing centers to which the local services belong, cross-regional services are cooperatively processed by the local clearing centers of different sub-regions, the clearing centers of different sub-regions can set day-to-day time, holiday, clearing parameters and the like according to individual requirements of respective regions, and the individual requirements of overseas member organizations on service expansibility, local information parameterization, day-to-day, holiday, data safety and the like can be met, and the political economic environment requirements in corresponding regions are met. However, cross-region transaction involves clearing among multiple clearing centers, each local clearing center needs to establish connection with the local clearing centers of other sub-regions, the interface is complex, once one of the local clearing centers is added or deleted, the local clearing centers of other sub-regions need to be updated synchronously, and the requirement of elastic expansion and contraction is not met.

In summary, the existing physical framework for realizing cross-border transaction clearing has the technical problems that the system design complexity is high, the framework establishment cost is high, the interfaces of clearing centers of different sub-areas cannot be unified, and elastic expansion and contraction are not supported.

Disclosure of Invention

The embodiment of the invention provides a cross-border transaction clearing method and a cross-border transaction clearing system, which are used for solving the technical problems that the existing physical framework for realizing cross-border transaction clearing has higher system design complexity, higher framework establishment cost, non-uniform interfaces of clearing centers of different subregions and no support of elastic expansion.

The embodiment of the invention provides a cross-border transaction clearing method, which comprises the following steps:

the cross-district clearing center receives a transaction request sent by an acceptor; the acceptance party is a first acceptance mechanism or a second acceptance mechanism, the first acceptance mechanism is an acceptance mechanism directly connected with the cross-regional clearing center, and the second acceptance mechanism is an acceptance mechanism connected with the cross-regional clearing center through a local clearing center of the second acceptance mechanism;

the cross-regional clearing center determines the information of a card issuer transacting with the accepting party according to the international business transaction information in the transaction request sent by the accepting party;

the cross-district clearing center forwards the transaction request to the card issuer according to the information of the card issuer; the card issuing party is a first card issuing mechanism or a second card issuing mechanism, and the first card issuing mechanism is a card issuing mechanism which is directly connected with the cross-regional clearing center; the second card issuing mechanism is connected with the cross-district clearing center through a local clearing center of the second card issuing mechanism;

and the cross-regional clearing center performs international business clearing between the accepting party and the cross-regional clearing center and international business clearing between the issuing party and the cross-regional clearing center according to the international business transaction information in the transaction request.

Further, if the accepting party is the first accepting mechanism, the card issuing party is the first card issuing mechanism; then

The cross-regional clearing center performs international business clearing between the accepting party and the cross-regional clearing center and international business clearing between the issuing party and the cross-regional clearing center according to the international business transaction information in the transaction request, and the cross-regional clearing center includes:

and the cross-regional clearing center performs international business clearing among the cross-regional clearing center, the first card issuing mechanism and the first accepting mechanism at the time of day switching of the cross-regional clearing center according to the international business transaction information in the transaction request.

Further, if the accepting party is the second accepting mechanism, the card issuing party is the first card issuing mechanism; then

The cross-district clearing center receives the transaction request sent by the accepting party, and comprises the following steps:

the cross-regional clearing center receives the transaction request forwarded by the local clearing center of the second acceptance organization, wherein the transaction request is forwarded to the cross-regional clearing center after the local clearing center of the second acceptance organization receives the transaction request sent by the second acceptance organization;

the cross-regional clearing center completes the international business clearing between the cross-regional clearing center and the first card issuing mechanism at the time of day-to-day switching of the cross-regional clearing center according to the international business transaction information in the transaction request; performing international business clearing between the cross-regional clearing center and the local clearing center of the second institution at the daily cutting time of the cross-regional clearing center or the daily cutting time of the local clearing center of the second institution;

the method further comprises the following steps:

and the local clearing center of the second acceptance organization performs international business clearing between the second acceptance organization and the local clearing center of the second acceptance organization at the time of day of the local clearing center of the second acceptance organization.

Further, if the card issuer is the second card issuer, the acceptor is the first acceptor; then

The cross-district clearing center forwards the transaction request to the card issuer according to the information of the card issuer, and the method comprises the following steps:

the cross-regional clearing center forwards the transaction request to the second card issuing mechanism through a local clearing center of the second card issuing mechanism according to the information of the card issuing party;

the cross-district clearing center performs international business clearing between the card issuer and the cross-district clearing center and international business clearing between the card issuer and the cross-district clearing center according to the international business transaction information in the transaction request, and the method comprises the following steps:

the cross-regional clearing center performs international business clearing between the first acceptance organization and the cross-regional clearing center at the time of day-to-day switching of the cross-regional clearing center according to the international business transaction information in the transaction request; performing international business clearing between the local clearing center of the second card issuer and the cross-regional clearing center at the time of day cutting of the cross-regional clearing center or at the time of day cutting of the local clearing center of the second card issuer;

the method further comprises the following steps:

and the local clearing center of the second card issuing mechanism performs the international business clearing between the second card issuing mechanism and the local clearing center of the second card issuing mechanism at the time of the day-to-day switching of the local clearing center of the second card issuing mechanism according to the international business transaction information in the transaction request.

Further, if the card issuer is the second card issuer, the acceptor is the second accepting mechanism; then

the step that the cross-district clearing center forwards the transaction request to the card issuer according to the information of the card issuer comprises the following steps:

the cross-regional clearing center forwards the transaction request to the second card issuer through the local clearing center of the second card issuer according to the information of the local clearing center of the second card issuer;

the cross-district clearing center performs clearing between the cross-district clearing center and the local clearing center of the second card issuer and the local clearing center of the second acceptance mechanism at the time of day cutting of the cross-district clearing center; or,

the cross-regional clearing center determines clearing time for the cross-regional clearing center to finish clearing with the local clearing center of the second card issuer and the local clearing center of the second acceptance mechanism according to cross-border transaction occurrence time, the switching time of the local clearing center of the second card issuer and the switching time of the local clearing center of the second acceptance mechanism in the transaction request; the cross-regional clearing center completes clearing with the local clearing center of the second card issuer and the local clearing center of the second acceptance mechanism at the determined clearing time;

the method further comprises the following steps:

the local clearing center of the second card issuer performs international business clearing between the second card issuer and the local clearing center of the second card issuer at the time of the day-to-day switching of the local clearing center of the second card issuer;

Further, the determining, by the cross-regional clearing center, the clearing time for the cross-regional clearing center to complete the clearing with the local clearing center of the second card issuer and the local clearing center of the second institution according to the cross-border transaction occurrence time, the daily time of the local clearing center of the second card issuer, and the daily time of the local clearing center of the second institution in the transaction request includes:

if the cross-border transaction occurrence time is after the same day switching time of the local clearing center of the second card issuing institution and before the day switching time of the local clearing center of the second accepting institution, the cross-border clearing center determines the day switching time of the local clearing center of the second accepting institution as the clearing time;

if the cross-border transaction occurrence time is after the same-day and same-day switching time of the local clearing center of the second acceptance organization and the cross-border transaction occurrence time is before the same-day and same-day switching time of the local clearing center of the second card issuing organization, determining the daily switching time of the local clearing center of the second card issuing organization as the clearing time by the cross-regional clearing center;

if the cross-border transaction occurrence time is after the same day time of the local clearing center of the second acceptance organization and the local clearing center of the second card issuing organization, the cross-regional clearing center determines that the clearing time is the prior day time of the local clearing center of the second acceptance organization and the next day time of the local clearing center of the second card issuing organization as the clearing time.

Further, after the cross-region clearing center forwards the transaction request to the card issuer according to the information of the card issuer, the method further includes:

the cross-district clearing center receives the transaction response sent by the card sender;

and the cross-region clearing center forwards the received transaction response to the accepting party which carries out transaction with the card issuing party.

The embodiment of the invention provides a cross-border transaction clearing system, which comprises:

the accepting party is used for sending a transaction request to the cross-region clearing center;

the cross-regional clearing center is used for receiving the transaction request and determining information of a card issuer transacting with the accepting party according to international business transaction information in the transaction request sent by the accepting party; forwarding the transaction request to the card issuer according to the information of the card issuer; according to the international business transaction information in the transaction request, carrying out international business clearing between the accepting party and the cross-regional clearing center and international business clearing between the issuing party and the cross-regional clearing center;

the card issuer is used for receiving the transaction request forwarded by the cross-district clearing center;

the acceptance party is a first acceptance mechanism or a second acceptance mechanism, the first acceptance mechanism is an acceptance mechanism directly connected with the cross-regional clearing center, and the second acceptance mechanism is an acceptance mechanism connected with the cross-regional clearing center through a local clearing center of the second acceptance mechanism;

the card issuer is a first card issuer or a second card issuer, and the first card issuer is a card issuer directly connected with the cross-regional clearing center; the second card issuing mechanism is a card issuing mechanism which establishes connection with the cross-district clearing center through a local clearing center of the second card issuing mechanism.

The cross-district clearing center is specifically configured to: and according to the international business transaction information in the transaction request, carrying out international business settlement between the cross-regional clearing center and the first card issuing mechanism and between the cross-regional clearing center and the first accepting mechanism at the time of day-to-day switching of the cross-regional clearing center.

The cross-district clearing center is specifically configured to:

receiving the transaction request forwarded by the local clearing center of the second acceptance organization, wherein the transaction request is forwarded to the cross-regional clearing center after the local clearing center of the second acceptance organization receives the transaction request sent by the second acceptance organization;

according to the international business transaction information in the transaction request, completing international business settlement between the cross-regional settlement center and the first card issuing mechanism at the time of the daily cutting of the cross-regional settlement center; performing international business clearing between the cross-regional clearing center and the local clearing center of the second institution at the daily cutting time of the cross-regional clearing center or the daily cutting time of the local clearing center of the second institution;

the local clearing center of the second acceptance mechanism is specifically configured to:

and performing international business clearing between the second acceptance mechanism and the local clearing center of the second acceptance mechanism at the time of day-to-day switching of the local clearing center of the second acceptance mechanism.

The cross-district clearing center is specifically configured to:

according to the information of the card issuer, forwarding the transaction request to the second card issuer through a local clearing center of the second card issuer;

according to the international business transaction information in the transaction request, performing international business clearing between the first acceptance mechanism and the cross-regional clearing center at the time of day-to-day switching of the cross-regional clearing center; performing international business clearing between the local clearing center of the second card issuer and the cross-regional clearing center at the time of day cutting of the cross-regional clearing center or at the time of day cutting of the local clearing center of the second card issuer;

the local clearing center of the second card issuer is specifically configured to:

and according to the international business transaction information in the transaction request, carrying out international business settlement between the second card issuing mechanism and the local settlement center of the second card issuing mechanism at the time of day cut of the local settlement center of the second card issuing mechanism.

The cross-district clearing center is specifically configured to:

according to the information of the local clearing center of the second card issuer, forwarding the transaction request to the second card issuer through the local clearing center of the second card issuer;

clearing between the local clearing center of the second card issuer and the local clearing center of the second acceptance organization at the time of day cutting of the cross-district clearing center; or,

determining the clearing time for the cross-regional clearing center to complete clearing with the local clearing center of the second card issuing institution and the local clearing center of the second accepting institution according to the cross-border transaction occurrence time, the daily cutting time of the local clearing center of the second card issuing institution and the daily cutting time of the local clearing center of the second accepting institution in the transaction request; clearing with the local clearing center of the second card issuer and the local clearing center of the second acceptance mechanism at the determined clearing time;

performing international business clearing between the second card issuer and the local clearing center of the second card issuer at the time of day cut of the local clearing center of the second card issuer;

Further, the cross-district clearing center is specifically configured to:

if the cross-border transaction occurrence time is after the same daily cutting time of the local clearing center of the second card issuing institution and the cross-border transaction occurrence time is before the daily cutting time of the local clearing center of the second accepting institution, determining the daily cutting time of the local clearing center of the second accepting institution as the clearing time;

if the cross-border transaction occurrence time is after the same-day and same-day time cut of the local clearing center of the second acceptance organization and the cross-border transaction occurrence time is before the same-day and same-day time cut of the local clearing center of the second card issuing organization, determining the day cut time of the local clearing center of the second card issuing organization as the clearing time; and if the cross-border transaction occurrence time is after the same-day time cut of the local clearing center of the second acceptance mechanism and the local clearing center of the second card issuing mechanism, determining that the clearing time is before the next day time cut of the local clearing center of the second acceptance mechanism and the local clearing center of the second card issuing mechanism.

Further, the cross-district clearing center is also used for:

after the transaction request is forwarded to the card issuer, receiving a transaction response sent by the card issuer; and are

And forwarding the received transaction response to the acceptance party performing transaction with the card issuing party.

In the embodiment, the physical architectures of the local clearing center cluster and the cross-regional clearing center can meet the requirement of uniform interfaces of the local clearing center and the cross-regional clearing center in different sub-regions, so that cross-border transaction cost among member institutions is low, the architectures can be flexibly deployed, the transverse expansion of the whole physical architecture is realized, the design complexity of a system is reduced, and the whole architecture supports elastic expansion. The local clearing centers of the second card issuing mechanism, the cross-district clearing center and the local clearing centers of the second accepting mechanism are respectively cleared at the time of each day and time, have no sequence and are mutually independent.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.

FIG. 1 is a schematic diagram of a physical framework for implementing cross-border transaction clearing in the prior art;

FIG. 2 is a schematic diagram of a physical framework for implementing cross-border transaction clearing in the prior art;

FIG. 3 is a schematic structural diagram of a physical framework of a cross-border transaction clearing system according to an embodiment of the present invention;

fig. 4 is a schematic structural diagram of a cross-border transaction clearing system based on application scenario one according to an embodiment of the present invention;

FIG. 5 is a schematic structural diagram of a cross-region clearing center according to an embodiment of the present invention;

FIG. 6 is a flowchart of a cross-border transaction clearing method based on application scenario one according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of a cross-border transaction clearing system based on the second application scenario according to an embodiment of the present invention;

FIG. 8 is a schematic structural diagram of a local clearing center according to an embodiment of the present invention;

fig. 9 is a flowchart of a cross-border transaction clearing method based on the second application scenario according to an embodiment of the present invention;

fig. 10 is a schematic structural diagram of a cross-border transaction clearing system based on application scenario three according to an embodiment of the present invention;

fig. 11 is a flowchart of a method of cross-border transaction clearing method based on application scenario three according to an embodiment of the present invention;

fig. 12 is a schematic structural diagram of a cross-border transaction clearing system based on application scenario four according to an embodiment of the present invention;

fig. 13 is a flowchart of a method of cross-border transaction clearing method based on application scenario four according to an embodiment of the present invention;

FIG. 14 is a flowchart of a cross-border transaction clearing method according to an embodiment of the present invention;

FIG. 15 is a flowchart of a cross-border transaction clearing method for "payment based on all" according to an embodiment of the present invention;

fig. 16 is a schematic diagram of a payment-receiving time interval of the local clearing center of the second card issuer and the local clearing center of the second acquirer according to the embodiment of the present invention;

fig. 17 is a flowchart of a "multi-batch" cross-border transaction clearing method according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail with reference to the accompanying drawings, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

In order to solve the technical problems that the existing physical framework for realizing cross-border transaction clearing has high system design complexity, high framework establishment cost, non-uniform interfaces of clearing centers of different sub-areas and no support for elastic expansion and contraction, an embodiment of the invention provides a new physical framework of a cross-border transaction clearing system, and as shown in fig. 3, the framework comprises an independent cross-border clearing center, the area where the cross-border clearing center is located is defined as an international area, and the international area can be arranged in any sub-area. The system also comprises a first receiving mechanism directly connected with the cross-regional clearing center, a first card issuing mechanism, a local clearing center in a subregion A (such as Singapore) and a local clearing center in a subregion B (such as Thailand). Further comprising: and the second accepting mechanism and the second card issuing mechanism are connected with the local clearing center in the sub-area A, and the second accepting mechanism and the second card issuing mechanism are connected with the local clearing center in the sub-area B. The method comprises the following steps that a receiving mechanism directly connected with a cross-regional clearing center is defined as a first receiving mechanism, and a local clearing center is not established in an area where the receiving mechanism belongs, so that cross-border transaction clearing can be directly conducted with the independent cross-regional clearing center; the card issuing institution which is directly connected with the cross-district clearing center is defined as a first card issuing institution, and the region where the card issuing institution belongs does not establish a local clearing center, so that cross-border transaction clearing can be carried out by directly connecting independent cross-district clearing centers; because the sub-area includes both the acceptance mechanism and the card issuing mechanism, the local clearing center in the sub-area a can be used as the local clearing center of the second acceptance mechanism and the local clearing center of the second card issuing mechanism; the local clearing center in the sub-area B can be used as the local clearing center of the second receiving institution as well as the local clearing center of the second card issuing institution. Defining the acceptance mechanism which establishes connection with the cross-regional clearing center through the local clearing center of the second acceptance mechanism as the second acceptance mechanism; and defining the card issuing institution which establishes the connection with the cross-regional clearing center through the local clearing center of the second card issuing institution as the second card issuing institution.

The physical framework further comprises: the international transaction database is connected with the cross-regional clearing center and used for storing cross-border transaction data of the cross-regional clearing center and establishing a local transaction database and an international transaction database which are connected with the local clearing center of the sub-region A; a local transaction database and an international transaction database which are connected with the local clearing center of the sub-area B. The local database of the local clearing center is used for storing transaction data of local transactions accepted by the local clearing center, and the international transaction database of the local clearing center is used for storing transaction data of cross-border transactions accepted by the local clearing center.

In the architecture, the physical architectures of the local clearing center cluster and the cross-regional clearing center can meet the requirement of unified interfaces of the local clearing center and the cross-regional clearing center in each sub-region, so that cross-border transaction cost among member institutions is low, the architecture can be flexibly deployed, the transverse expansion of the whole physical architecture is realized, the design complexity of a system is reduced, and the whole architecture supports elastic expansion.

In the framework, the daily cutting time and the holiday time of the local clearing centers in each sub-area can be customized independently, and the daily cutting time and the holiday time of the local clearing centers in each sub-area have no direct dependency relationship, so that the local clearing centers in each sub-area are independent.

The physical/logical framework of the local clearing centers of the various sub-areas is independent and the clearing personalization requirements and data security can be set according to local policies.

In the above framework, the local clearing centers (the local clearing center of the second institution or the local clearing center of the second card issuer) in each sub-area can complete the clearing of the local transaction (both the card issuer and the card issuer are local) and the one-side clearing of the cross-border transaction (one of the card issuer or the card issuer is not local); and the cross-regional clearing center completes clearing with the first card issuing mechanism and the first accepting mechanism and clearing with local clearing centers of a plurality of sub-regions.

The cross-border transaction of the embodiment of the invention means that an acceptance mechanism and a card issuing mechanism of the transaction belong to different sub-areas, the settlement of the cross-border transaction is an international service, and the cross-border transaction based on the framework comprises the following application scenes:

the application scene one: the accepting party of the cross-border transaction is a first accepting mechanism, the issuing party of the cross-border transaction is a first issuing mechanism, and then the physical framework corresponding to the cross-border transaction is as follows: the accepting party and the issuing party of the cross-border transaction are directly connected with the cross-district clearing center;

application scenario two: the accepting party of the cross-border transaction is a first accepting mechanism, the issuing party of the cross-border transaction is a second issuing mechanism, and the physical framework corresponding to the cross-border transaction is as follows: the accepting party of the cross-border transaction is directly connected with the cross-district clearing center, and the card issuing party of the cross-border transaction is connected with the cross-district clearing center through the local clearing center of the second card issuing mechanism;

application scenario three: the accepting party of the cross-border transaction is a second accepting mechanism, the issuing party of the cross-border transaction is a first issuing mechanism, and the physical framework corresponding to the cross-border transaction is as follows: the card issuing party of the cross-border transaction is directly connected with the cross-district clearing center, and the accepting party of the cross-border transaction is connected with the cross-district clearing center through the local clearing center of the second accepting mechanism;

and an application scene four: the accepting party of the cross-border transaction is a second accepting mechanism, the issuing party of the cross-border transaction is a second issuing mechanism, and the physical framework corresponding to the cross-border transaction is as follows: and the cross-border transaction acquirer is connected with the cross-regional clearing center through the local clearing center of the second acquirer, and the cross-border transaction issuer is connected with the cross-regional clearing center through the local clearing center of the second issuer.

The cross-border transaction clearing system and method provided by the embodiment of the invention are described below with respect to the above four application scenarios. The transaction request in the following embodiment is a transaction request of cross-border transaction, that is, the acceptor and the issuer belong to two different administrative areas, each sub-area is an independent administrative area, for example, the sub-area is thailand, and the other sub-area is singapore.

The embodiment of the invention provides a cross-border transaction clearing system based on a physical framework of an application scenario I as shown in FIG. 4, which comprises: the system comprises a first acceptance mechanism, a cross-region clearing center and a first card issuing mechanism, wherein the first acceptance mechanism and the first card issuing mechanism are directly connected with the cross-region clearing center, and the first card issuing mechanism and the first acceptance mechanism are cross-border member mechanisms which belong to different regions.

As shown in fig. 5, the cross-regional clearing house includes a transit subsystem 51, a batch subsystem 52 and an international transaction database 53. The switching subsystem 51 of the cross-regional clearing center is mainly used for receiving and forwarding the transaction request, recording a switching log aiming at the received transaction request, writing the recorded switching log into the international transaction database 53 and reading the clearing result of the international service from the international transaction database 53, wherein the switching log comprises the international service transaction information in the transaction request; the batch processing subsystem 52 of the cross-regional clearing center is mainly used for reading the transfer log from the international transaction database 53, clearing according to the international business transaction information in the transaction request recorded in the transfer log, and writing the clearing result into the international transaction database 53.

Specifically, the implementation mode of clearing the cross-border transaction under the system comprises the following steps:

the first acceptance mechanism is used for sending a transaction request to the cross-district clearing center.

The switching subsystem 51 of the cross-district clearing centre is mainly used for: receiving a transaction request sent by a first acceptance mechanism to a cross-regional clearing center; determining information of a first card issuing mechanism transacting with a first acceptance mechanism according to international business transaction information in a transaction request sent by the first acceptance mechanism; and forwarding the transaction request to the first card issuing mechanism according to the information of the first card issuing mechanism.

The first card issuing mechanism is used for receiving the transaction request forwarded by the cross-district clearing center and sending a transaction response aiming at the international service to the cross-district clearing center;

the switching subsystem 51 of the cross-regional clearing center is further configured to receive the transaction response sent by the first card issuer, and forward the received transaction response to the first acceptance mechanism performing the transaction with the first card issuer.

The routing information of the card issuing institution or the accepting institution can be determined according to the information of the international business transaction information accepting party and the information of the local clearing center corresponding to the second card issuing institution, such as the information of the bank card authentication code, the transaction code and the institution code in the transaction request;

and the batch processing subsystem 52 of the cross-regional clearing center is used for carrying out international business clearing between the first acceptance mechanism and the cross-regional clearing center and international business clearing between the first card issuing mechanism and the cross-regional clearing center at the time of day-to-day switching of the cross-regional clearing center according to the international business transaction information in the transaction request.

The clearing system supports the clearing of a plurality of cross-border transactions similar to the physical framework, and the clearing of the plurality of cross-border transactions is uniformly carried out in the time of day and night of the cross-regional clearing center. In the clearing system, the cross-district clearing center can complete clearing with the first card issuing mechanism and the first accepting mechanism at one time. .

Aiming at a cross-border transaction clearing system under a physical framework of an application scenario I, the embodiment of the invention provides a clearing method based on the clearing system, and as shown in FIG. 6, the clearing method specifically comprises the following steps:

a101: a first acceptance mechanism sends a transaction request to a cross-district clearing center;

a102: the cross-region clearing center receives a transaction request sent by a first acceptance mechanism; determining information of a first card issuing mechanism transacting with a first acceptance mechanism according to international business transaction information in the transaction request; and forwarding the transaction request to the first card issuing mechanism according to the information of the first card issuing mechanism.

A103: the first card issuing mechanism receives the transaction request forwarded by the cross-region clearing center and sends a transaction response aiming at the international service to the cross-region clearing center;

a104: the cross-region clearing center receives the transaction response sent by the first card issuing mechanism and forwards the received transaction response to the first acceptance mechanism;

a105: the cross-regional clearing center performs international business clearing between the first acceptance mechanism and the cross-regional clearing center and international business clearing between the first card issuing mechanism and the cross-regional clearing center at the time of cutting by day of the cross-regional clearing center according to the international business transaction information in the transaction request;

a106: and the cross-region clearing center feeds back clearing results to the first accepting mechanism and the first card issuing mechanism.

Based on the same inventive concept, an embodiment of the present invention provides a cross-border transaction clearing system based on a physical framework of an application scenario two as shown in fig. 7, including: the system comprises a first acceptance mechanism, a cross-district clearing center, a local clearing center of a second card issuing mechanism and the second card issuing mechanism; the first acceptance mechanism is directly connected with the cross-district clearing center, and the second card issuing mechanism is connected with the cross-district clearing center through the local clearing center of the second card issuing mechanism.

The cross-district clearing center comprises a switching subsystem, a batch processing subsystem and an international transaction database. For details, reference is made to the above-mentioned embodiments, which are not repeated here.

As shown in fig. 8, the structure of the local clearing house of the embodiment of the present invention includes: a switching subsystem 81, a batch subsystem 82, an international transaction database 83 and a local transaction database 84. The switching subsystem 81 is mainly used for receiving and forwarding the transaction request, recording a switching log aiming at the received transaction request, wherein the switching log comprises international business transaction information in the transaction request, writing the recorded switching log of cross-border transaction into the international transaction database 83, writing the switching log of local transaction into the local transaction database 84, reading a clearing result of the international business from the international transaction database 83, and reading the clearing result of the local business from the local transaction database 84; the batch processing subsystem 82 is used for reading the transit log of the cross-border transaction from the international transaction database 83, clearing according to the international business transaction information in the transaction request recorded in the transit log of the cross-border transaction, and writing a clearing result into the international transaction database 83; the batch processing subsystem 82 is further configured to read the transfer log of the local transaction from the local transaction database 84, perform clearing according to the local service transaction information in the transfer log of the local transaction, and write a clearing result into the local transaction database 84. In the embodiment of the present invention, the batch processing subsystem of the local clearing center in each sub-area performs clearing of the local service according to the local transaction in the area, which is not described in detail in the embodiment of the present invention, and the embodiment of the present invention mainly performs detailed explanation on clearing of the transaction request of the cross-border transaction. The structure of the local clearing center of the second card issuer is the same as that of the local clearing center shown in fig. 8.

the first acceptance mechanism is used for sending a transaction request to the cross-district clearing center;

the switching subsystem of the cross-region clearing center is used for receiving a transaction request sent to the cross-region clearing center by a first acceptance mechanism; determining information of a second card issuing mechanism transacting with the first accepting mechanism according to the international business transaction information in the transaction request; and according to the information of the second card issuer, forwarding the transaction request to the second card issuer through a local clearing center of the area to which the second card issuer belongs.

The international business transaction information in the transaction request comprises information of the acceptance party and information of a local clearing center corresponding to the second card issuing institution, such as information of a bank card authentication code, a transaction code and an institution code, and can determine routing information of the card issuing institution or the acceptance institution and routing information of the local clearing center in an area where the card issuing institution transacts with the acceptance institution is located according to the information;

the switching subsystem of the local clearing center of the second card issuing institution is used for receiving the transaction request sent by the cross-regional clearing center; determining a second card issuing mechanism for performing transaction with the receiver according to the international business transaction information in the transaction request, and forwarding the transaction request to the second card issuing mechanism;

the second card issuing mechanism is used for receiving the transaction request forwarded by the local clearing center of the second card issuing mechanism and sending a transaction response aiming at the international service to the local clearing center of the second card issuing mechanism;

the switching subsystem of the local clearing center of the second card issuing institution is also used for receiving the transaction response sent by the second card issuing institution and forwarding the transaction response aiming at the international service to the cross-regional clearing center;

and the switching subsystem of the cross-district clearing center is also used for receiving the transaction response forwarded by the cross-district clearing center and forwarding the received transaction response to the first acceptance mechanism which carries out the transaction with the second card issuing mechanism.

And the batch processing subsystem of the local clearing center of the second card-issuing mechanism is used for carrying out international business clearing between the second card-issuing mechanism and the local clearing center of the second card-issuing mechanism at the time of day-to-day of the local clearing center of the second card-issuing mechanism. The local clearing center of the second card issuing institution can accept clearing of multiple cross-border transactions of the card issuing institutions in the region and uniformly carry out daily cutting time of the local clearing center of the second card issuing institution.

The batch processing subsystem of the cross-regional clearing center is used for carrying out international business clearing between the first acceptance organization and the cross-regional clearing center and international business clearing between the local clearing center of the second acceptance organization and the cross-regional clearing center according to the international business transaction information in the transaction request;

the international business clearing between the first acceptance mechanism and the cross-region clearing center is carried out at the time of day-to-day of the cross-region clearing center.

The clearing time of the cross-district clearing center for completing international business clearing between the cross-district clearing center and the local clearing center of the second card issuing institution is as follows: the time of day of the cross-regional clearinghouse, or the time of day of the local clearinghouse of the second card issuer.

In the clearing system, the daily time cut and the holiday time of the cross-regional clearing center are customized independently, and have no direct dependence with the daily time cut and the holiday time of the local clearing center of the second card issuing mechanism, so that the clearing of the local clearing center and the cross-regional clearing center of the second card issuing mechanism is carried out at the daily time cut, and the clearing is not in sequence and is independent of each other.

In the clearing system, the local clearing center of the second card issuing institution can complete the clearing of the local transaction (the card issuing institution and the accepting institution are both local) and the single-side clearing of the cross-border transaction (the clearing between the local clearing center of the second card issuing institution and the local card issuing institution); the cross-district clearing center completes one-side clearing between the cross-district clearing center and the first acceptance mechanism and clearing between the cross-district clearing center and the local clearing center of the second card issuing mechanism.

For a cross-border transaction clearing system under a physical framework of an application scenario two, an embodiment of the present invention provides a clearing method based on the clearing system, and as shown in fig. 9, the clearing method specifically includes:

b101: the first acceptance mechanism sends a transaction request to the cross-district clearing center;

b102: the cross-region clearing center receives a transaction request sent to the cross-region clearing center by a first acceptance mechanism; determining information of a second card issuing mechanism transacting with the first accepting mechanism according to the international business transaction information in the transaction request; according to the information of the second card issuing institution, the transaction request is forwarded to the second card issuing institution through a local clearing center of the area to which the second card issuing institution belongs;

b103: a local clearing center of a second card issuing institution receives a transaction request sent by a cross-regional clearing center; determining a second card issuing mechanism for performing transaction with the receiver according to the international business transaction information in the transaction request, and forwarding the transaction request to the second card issuing mechanism;

b104: the second card issuing mechanism receives the transaction request forwarded by the local clearing center of the second card issuing mechanism and sends a transaction response aiming at the international service to the local clearing center of the second card issuing mechanism;

b105: the local clearing center of the second card issuing institution receives the transaction response sent by the second card issuing institution and forwards the transaction response aiming at the international service to the cross-regional clearing center;

b106: and the cross-district clearing center receives the transaction response forwarded by the cross-district clearing center and forwards the received transaction response to the first acceptance mechanism which performs the transaction with the second card issuing mechanism.

And B107, the local clearing center of the second card issuer performs international business clearing between the second card issuer and the local clearing center of the second card issuer at the time of day cutting of the local clearing center of the second card issuer.

B108: and the local clearing center of the second card issuing institution feeds back the clearing result to the second card issuing institution.

And B109, the cross-regional clearing center performs international business clearing between the first acceptance organization and the cross-regional clearing center and international business clearing between the local clearing center of the second acceptance organization and the cross-regional clearing center according to the international business transaction information in the transaction request.

The international business clearing between the local clearing center and the cross-regional clearing center of the second card issuing mechanism has two specific implementation modes: one is that international business clearing between the local clearing center of the second card issuing mechanism and the cross-district clearing center is carried out at the time of the daily cutting of the cross-district clearing center; one is to perform international business clearing between the local clearing center of the second card issuer and the cross-regional clearing center at the time of day cut of the local clearing center of the second card issuer.

B110: and the cross-region clearing center feeds back clearing results to the local clearing centers of the first acceptance mechanism and the second card issuing mechanism.

The step B107 and the step B109 have no precedence relationship, because the respective liquidations of the local liquidation center and the cross-regional liquidation center of the second card issuer are performed at the respective times of the day, have no precedence order, and are independent of each other.

Based on the same inventive concept, an embodiment of the present invention provides a cross-border transaction clearing system based on a physical framework of an application scenario three as shown in fig. 10, including: the system comprises a first receiving mechanism, a cross-district clearing center, a local clearing center of the first receiving mechanism and a first card issuing mechanism; the first card issuing mechanism is directly connected with the cross-district clearing center, and the second accepting mechanism is connected with the cross-district clearing center through a local clearing center of the second accepting mechanism.

The local clearing center of the second institution comprises: the system comprises a switching subsystem, a batch processing subsystem, an international transaction database and a local transaction database. For details, reference is made to the structure of the local clearing house shown in fig. 8 in the above embodiment, which will not be described herein again.

the second acceptance mechanism is used for sending the transaction request to a local clearing center of the second acceptance mechanism;

the switching subsystem of the local clearing center of the second acceptance organization is used for receiving the transaction request sent by the second acceptance organization, determining card issuing organization information for performing transaction with the second acceptance organization according to the international business transaction information in the transaction request, and forwarding the transaction request to the cross-regional clearing center;

the switching subsystem of the cross-regional clearing center is used for receiving the transaction request sent by the local clearing center of the second acceptance organization, determining the information of a first card issuing organization which carries out transaction with the acceptance party according to the international business transaction information in the transaction request, and forwarding the transaction request to the first card issuing organization;

the first card issuing mechanism is used for receiving the transaction request forwarded by the cross-region clearing center and sending a transaction response aiming at the international service to the cross-region clearing center;

the switching subsystem of the cross-district clearing center is also used for: receiving a transaction response sent by the first card issuing mechanism, and forwarding the received transaction response to a local clearing center of the second acceptance mechanism;

and the switching subsystem of the local clearing center of the second acceptance organization is also used for receiving the transaction response forwarded by the cross-regional clearing center and forwarding the transaction response to the second acceptance organization.

And the batch processing subsystem of the local clearing center of the second acceptance organization is used for carrying out international business clearing between the second acceptance organization and the local clearing center of the second acceptance organization at the time of day-to-day switching of the local clearing center of the second acceptance organization.

And the batch processing subsystem of the cross-regional clearing center is used for carrying out international business clearing between the local clearing center of the second acceptance organization and the cross-regional clearing center and international business clearing between the first card issuing organization and the cross-regional clearing center according to the international business transaction information in the transaction request.

The international business clearing between the first card issuing mechanism and the cross-district clearing center is carried out at the time of day switching of the cross-district clearing center.

The international business clearing between the local clearing center of the second acceptance organization and the cross-regional clearing center is carried out at the time of day switching of the cross-regional clearing center, or at the time of day switching of the local clearing center of the second acceptance organization.

In the clearing system, the daily time and the holiday time of the cross-regional clearing center are customized independently and have no direct dependence with the daily time and the holiday time of the local clearing center of the second acceptance organization, so that the clearing of the local clearing center and the cross-regional clearing center of the second acceptance organization is performed at the daily time of the local clearing center and the holiday time of the cross-regional clearing center, and the clearing is not in sequence and is independent of each other.

In the clearing system, the local clearing center of the second acceptance mechanism can complete the clearing of the local transaction (the card issuing mechanism and the acceptance mechanism are both local) and the unilateral clearing of the cross-border transaction (the clearing between the local clearing center of the second acceptance mechanism and the local acceptance mechanism); the cross-district clearing center completes the one-side clearing between the cross-district clearing center and the first card issuing mechanism and the clearing between the cross-district clearing center and the local clearing center of the second accepting mechanism.

For a cross-border transaction clearing system under a physical framework of an application scenario three, an embodiment of the present invention provides a clearing method based on the clearing system, as shown in fig. 11, which specifically includes:

step C101: the second acceptance organization sends a transaction request to a local clearing center of the second acceptance organization;

step C102: the local clearing center of the second acceptance mechanism receives the transaction request sent by the second acceptance mechanism, determines card issuing mechanism information transacted with the second acceptance mechanism according to the international business transaction information in the transaction request, and forwards the transaction request to the cross-regional clearing center;

step C103: the cross-regional clearing center receives a transaction request sent by a local clearing center of a second accepting mechanism, determines information of a first card issuing mechanism which conducts transaction with an accepting party according to international business transaction information in the transaction request, and forwards the transaction request to the first card issuing mechanism;

step C104: the first card issuing mechanism receives the transaction request forwarded by the cross-region clearing center and sends a transaction response aiming at the international service to the cross-region clearing center;

step C105: the cross-regional clearing center receives the transaction response sent by the first card issuing mechanism and forwards the received transaction response to the local clearing center of the second card issuing mechanism;

step C106: and the local clearing center of the second acceptance mechanism receives the transaction response forwarded by the cross-regional clearing center and forwards the transaction response to the second acceptance mechanism.

Step C107: the local clearing center of the second acceptance mechanism performs international business clearing between the second acceptance mechanism and the local clearing center of the second acceptance mechanism in the switching time of the local clearing center of the second acceptance mechanism;

step C108: the local clearing center of the second accepting mechanism feeds back clearing results to the second accepting mechanism;

step C109: the cross-regional clearing center performs international business clearing between the local clearing center of the second acceptance organization and the cross-regional clearing center and international business clearing between the first card issuing organization and the cross-regional clearing center according to the international business transaction information in the transaction request;

the international business clearing between the first card issuing mechanism and the cross-district clearing center is carried out at the time of day switching of the cross-district clearing center. The international business clearing between the local clearing center of the second acceptance organization and the cross-regional clearing center is carried out at the time of day switching of the cross-regional clearing center, or at the time of day switching of the local clearing center of the second acceptance organization.

Step C110: and the cross-region clearing center feeds back clearing results to the local clearing center of the second acceptance mechanism and the first card issuing mechanism.

The step C107 and the step C109 have no precedence relationship, because the respective liquidations of the local liquidation center and the cross-regional liquidation center of the second acceptance organization are performed at the respective times of day, have no precedence order, and are independent from each other.

Based on the same inventive concept, an embodiment of the present invention provides a cross-border transaction clearing system based on a physical framework of application scenario four as shown in fig. 12, including: the system comprises a first acceptance mechanism, a local clearing center of the first acceptance mechanism, a cross-district clearing center, a local clearing center of a first card issuing mechanism and a first card issuing mechanism; the second acceptance mechanism is connected with the cross-district clearing center through the local clearing center of the second acceptance mechanism, and the second card issuing mechanism is connected with the cross-district clearing center through the local clearing center of the second card issuing mechanism.

The local clearing center of the second institution and the local clearing center of the second card issuer each include: the system comprises a switching subsystem, a batch processing subsystem, an international transaction database and a local transaction database. For details, reference is made to the structure of the local clearing house shown in fig. 8 in the above embodiment, which will not be described herein again.

the switching subsystem of the cross-regional clearing center is used for receiving the transaction request sent by the local clearing center of the second acceptance organization and determining the information of the second card issuing organization which carries out transaction with the acceptance party according to the international business transaction information in the transaction request; according to the information of the second card issuer, the transaction request is forwarded to the second card issuer through a local clearing center (the local clearing center of the second card issuer) of the area to which the second card issuer belongs;

the international business transaction information in the transaction request comprises information of the acceptance party and information of a local clearing center corresponding to the second card issuing institution, such as information of a bank card authentication code, a transaction code and an institution code, and can determine routing information of the card issuing institution or the acceptance institution, routing information of the local clearing center in the area of the acceptance institution and routing information of the local clearing center in the area of the card issuing institution transacting with the acceptance institution according to the information;

The batch processing subsystem of the local clearing center of the second acceptance organization is used for carrying out international business clearing between the second acceptance organization and the local clearing center of the second acceptance organization at the time of day-to-day switching of the local clearing center of the second acceptance organization;

and the batch processing subsystem of the cross-regional clearing center is used for carrying out international business clearing between the local clearing center of the second acceptance organization and the cross-regional clearing center and international business clearing between the local clearing center of the second card issuing organization and the cross-regional clearing center according to the international business transaction information in the transaction request.

Optionally, the cross-regional clearing center performs clearing with the local clearing center of the second card issuer and the local clearing center of the second receiving mechanism, and may perform clearing at the time of day of the cross-regional clearing center.

Preferably, the cross-regional clearing center determines the clearing time for the cross-regional clearing center to complete the clearing with the local clearing center of the second card issuer and the local clearing center of the second acceptance organization according to the cross-border transaction occurrence time, the switching time of the local clearing center of the second card issuer and the switching time of the local clearing center of the second acceptance organization in the transaction request.

The cross-district clearing center determines clearing time between the cross-district clearing center and two local clearing centers according to the following strategies:

if the cross-border transaction occurrence time is after the same day-to-day time cut of the local clearing center of the second card issuer, determining the day-to-day time cut of the local clearing center of the second acceptance mechanism as the clearing time by the cross-regional clearing center;

if the cross-border transaction occurrence time is after the same day-to-day time of the local clearing center of the second acceptance organization, the cross-regional clearing center determines the day-to-day time of the local clearing center of the second card issuing organization as the clearing time;

if the cross-border transaction occurrence time is after the same day time of the local clearing center of the second acceptance mechanism and the local clearing center of the second card issuing mechanism, the cross-regional clearing center determines that the clearing time is before the next day time of the local clearing center of the second acceptance mechanism and the local clearing center of the second card issuing mechanism.

In the clearing system, the daily time cut and the holiday time of the cross-regional clearing center are customized independently, and have no direct dependence on the daily time cut and the holiday time of the local clearing center of the second card issuing mechanism and the daily time cut and the holiday time of the local clearing center of the second accepting mechanism, so that the respective clearing of the local clearing center of the second card issuing mechanism, the cross-regional clearing and the local clearing center of the second accepting mechanism is carried out at the respective daily time cut, and the clearing is not sequential and independent.

In the clearing system, the cross-district clearing center completes clearing between the cross-district clearing center and the local clearing center of the second card issuer, and between the cross-district clearing center and the local clearing center of the second acceptance mechanism; the local clearing center of the second acceptance mechanism completes the one-side clearing between the local clearing center of the second acceptance mechanism and the second acceptance mechanism; and the local clearing center of the second card issuer completes the one-side clearing between the local clearing center of the second card issuer and the second card issuer.

In the clearing system, the physical architectures of the local clearing center cluster and the cross-regional clearing center can meet the requirement of unified interfaces of the local clearing center and the cross-regional clearing center in different sub-regions, so that cross-border transaction cost among member institutions is low, the architectures can be flexibly deployed, the transverse expansion of the whole physical architecture is realized, the design complexity of the system is reduced, and the whole architecture supports elastic expansion.

For a cross-border transaction clearing system under a physical framework of an application scenario four, an embodiment of the present invention provides a clearing method based on the clearing system, as shown in fig. 13, specifically including:

step D101: the second acceptance mechanism is used for sending the transaction request to a local clearing center of the second acceptance mechanism;

step D102: the switching subsystem of the local clearing center of the second acceptance organization is used for receiving the transaction request sent by the second acceptance organization, determining card issuing organization information for performing transaction with the second acceptance organization according to the international business transaction information in the transaction request, and forwarding the transaction request to the cross-regional clearing center;

step D103: the switching subsystem of the cross-regional clearing center is used for receiving the transaction request sent by the local clearing center of the second acceptance organization and determining the information of the second card issuing organization which carries out transaction with the acceptance party according to the international business transaction information in the transaction request; according to the information of the second card issuer, the transaction request is forwarded to the second card issuer through a local clearing center (the local clearing center of the second card issuer) of the area to which the second card issuer belongs;

step D104: the switching subsystem of the local clearing center of the second card issuing institution is used for receiving the transaction request sent by the cross-regional clearing center; determining a second card issuing mechanism for performing transaction with the receiver according to the international business transaction information in the transaction request, and forwarding the transaction request to the second card issuing mechanism;

step D105: the second card issuing mechanism is used for receiving the transaction request forwarded by the local clearing center of the second card issuing mechanism and sending a transaction response aiming at the international service to the local clearing center of the second card issuing mechanism;

step D106: the switching subsystem of the local clearing center of the second card issuing institution is also used for receiving the transaction response sent by the second card issuing institution and forwarding the transaction response aiming at the international service to the cross-regional clearing center;

step D107: the switching subsystem of the cross-district clearing center is also used for receiving the transaction response forwarded by the cross-district clearing center and forwarding the received transaction response to the local clearing center of the second acceptance organization in the area to which the second acceptance organization performing the transaction for the second card issuing organization belongs;

step D108: the local clearing center of the second acceptance organization forwards the received transaction response to the second acceptance organization;

step D109: the batch processing subsystem of the local clearing center of the second acceptance organization is used for carrying out international business clearing between the second acceptance organization and the local clearing center of the second acceptance organization at the time of day-to-day switching of the local clearing center of the second acceptance organization;

step D110: the local clearing center of the second accepting mechanism feeds back clearing results to the second accepting mechanism;

step D111: and the batch processing subsystem of the cross-regional clearing center is used for carrying out international business clearing between the local clearing center of the second acceptance organization and the cross-regional clearing center and international business clearing between the local clearing center of the second card issuing organization and the cross-regional clearing center according to the international business transaction information in the transaction request.

Specifically, the settlement between the local settlement center of the second card issuing institution and the local settlement center of the second receiving institution is carried out at the time of the daily cutting of the cross-district settlement center; or,

determining the clearing time for the cross-regional clearing center to complete clearing with the local clearing center of the second card issuing institution and the local clearing center of the second accepting institution according to the cross-border transaction occurrence time, the daily cutting time of the local clearing center of the second card issuing institution and the daily cutting time of the local clearing center of the second accepting institution in the transaction request; and finishing the clearing with the local clearing center of the second card issuer and the local clearing center of the second acceptance organization at the determined clearing time.

If the cross-border transaction occurrence time is after the same-day switching time of the local clearing center of the second card issuing mechanism and before the same-day switching time of the local clearing center of the second accepting mechanism, determining the day switching time of the local clearing center of the second accepting mechanism as the clearing time;

if the cross-border transaction occurrence time is after the same-day and same-day switching time of the local clearing center of the second acceptance mechanism and before the same-day and same-day switching time of the local clearing center of the second card issuing mechanism, determining the day switching time of the local clearing center of the second card issuing mechanism as the clearing time;

and if the cross-border transaction occurrence time is after the same day time of the local clearing center of the second acceptance mechanism and the local clearing center of the second card issuing mechanism, determining that the clearing time is before the next day time of the local clearing center of the second acceptance mechanism and the local clearing center of the second card issuing mechanism.

Step D112: the cross-district clearing center feeds back clearing results to the local clearing center of the second acceptance mechanism and the local clearing center of the second card issuing mechanism;

step D113: the batch processing subsystem of the local clearing center of the second card-issuing institution is used for carrying out international business clearing between the second card-issuing institution and the local clearing center of the second card-issuing institution at the time of day-to-day switching of the local clearing center of the second card-issuing institution;

step D114: and the local clearing center of the second card issuing institution feeds back the clearing result to the second card issuing institution.

The above step D109, step D111 and step D113 have no precedence relationship, because the respective liquidations of the local liquidation center of the second acceptance mechanism, the cross-regional liquidation center and the local liquidation center of the second card issuer are performed at the respective times of day and time, and have no precedence order and are independent from each other.

Based on the clearing system and the clearing method, the cross-regional clearing center in the embodiment of the invention can clear any combination of the four application scenarios. For example, an embodiment of the present invention provides a cross-border transaction clearing method as shown in fig. 14, including:

step S101, a cross-district clearing center receives a transaction request sent by an acceptor;

the system comprises a receiving party, a cross-district clearing center and a receiving party, wherein the receiving party is a first receiving mechanism or a second receiving mechanism, the first receiving mechanism is a receiving mechanism directly connected with the cross-district clearing center, and the second receiving mechanism is a receiving mechanism connected with the cross-district clearing center through a local clearing center of the second receiving mechanism;

step S102, the cross-district clearing center determines the information of a card sender transacting with the accepting party according to the international business transaction information in the transaction request sent by the accepting party;

step S103, the cross-district clearing center forwards the transaction request to the card sender according to the information of the card sender;

the system comprises a card issuer, a cross-regional clearing center and a cross-regional clearing center, wherein the card issuer is a first card issuer or a second card issuer, and the first card issuer is directly connected with the cross-regional clearing center; the second card issuing mechanism is connected with the cross-district clearing center through a local clearing center of the second card issuing mechanism;

and step S104, the cross-district clearing center performs international business clearing between the accepting party and the cross-district clearing center and international business clearing between the issuing party and the cross-district clearing center according to the international business transaction information in the transaction request.

After step S103, the method further includes: the cross-region clearing center receives a transaction response sent by the card issuing party; and the received transaction response is forwarded to the accepting party which gives the card issuing party to carry out transaction.

For the above method flow:

if the acceptor is the first acceptor, the card issuer is the first card issuer; step S104 includes: and according to the international business transaction information in the transaction request, carrying out international business clearing among the cross-regional clearing center, the first card issuing mechanism and the first accepting mechanism at the time of day switching of the cross-regional clearing center.

If the acceptor is the second acceptor, the card issuer is the first card issuer; step S101 includes: receiving a transaction request forwarded by a local clearing center of a second acceptance organization, wherein the transaction request is forwarded to a cross-regional clearing center after the local clearing center of the second acceptance organization receives the transaction request sent by the second acceptance organization;

step S104 includes: according to the international business transaction information in the transaction request, completing international business settlement between the cross-regional settlement center and the first card issuing mechanism at the time of daily cutting of the cross-regional settlement center; and performing international business clearing between the cross-regional clearing center and the local clearing center of the second acceptance organization at the daily time of the cross-regional clearing center or the daily time of the local clearing center of the second acceptance organization.

The above method flow further comprises: and the local clearing center of the second acceptance organization performs international business clearing between the second acceptance organization and the local clearing center of the second acceptance organization in the switching time of the local clearing center of the second acceptance organization.

If the card sender is the second card sending mechanism, the acceptor is the first accepting mechanism; then

Step S103 includes: according to the information of the card issuer, the transaction request is forwarded to a second card issuer through a local clearing center of the second card issuer;

step S104 includes: according to the international business transaction information in the transaction request, performing international business clearing between the first acceptance mechanism and the cross-regional clearing center at the time of day-to-day switching of the cross-regional clearing center; performing international business clearing between the local clearing center of the second card issuer and the cross-regional clearing center at the daily cutting time of the cross-regional clearing center or the daily cutting time of the local clearing center of the second card issuer;

the above method flow further comprises: and the local clearing center of the second card-issuing institution performs international business clearing between the second card-issuing institution and the local clearing center of the second card-issuing institution at the time of the daily cutting of the local clearing center of the second card-issuing institution according to the international business transaction information in the transaction request.

If the card sender is a second card sending mechanism, the acceptor is a second accepting mechanism; then

Step S101 includes: receiving a transaction request forwarded by a local clearing center of a second acceptance organization, wherein the transaction request is forwarded to a cross-regional clearing center after the local clearing center of the second acceptance organization receives the transaction request sent by the second acceptance organization;

step S103 includes: according to the information of the local clearing center of the second card issuer, the transaction request is forwarded to the second card issuer through the local clearing center of the second card issuer;

step S104 includes: clearing between the local clearing center of the second card issuer and the local clearing center of the second acceptance mechanism at the time of the daily cutting of the cross-district clearing center; or determining the clearing time of the cross-regional clearing center for completing clearing with the local clearing center of the second card issuing institution and the local clearing center of the second accepting institution according to the cross-border transaction occurrence time, the daily cutting time of the local clearing center of the second card issuing institution and the daily cutting time of the local clearing center of the second accepting institution in the transaction request; and finishing the clearing with the local clearing center of the second card issuer and the local clearing center of the second acceptance organization at the determined clearing time. If the cross-border transaction occurrence time is after the same daily cutting time of the local clearing center of the second card issuing mechanism and before the daily cutting time of the local clearing center of the second accepting mechanism, determining the daily cutting time of the local clearing center of the second accepting mechanism as the clearing time; if the cross-border transaction occurrence time is after the same-day and same-day switching time of the local clearing center of the second acceptance mechanism and before the same-day and same-day switching time of the local clearing center of the second card issuing mechanism, determining the day switching time of the local clearing center of the second card issuing mechanism as the clearing time; and if the cross-border transaction occurrence time is after the same day time of the local clearing center of the second acceptance mechanism and the local clearing center of the second card issuing mechanism, determining that the clearing time is before the next day time of the local clearing center of the second acceptance mechanism and the local clearing center of the second card issuing mechanism.

The above method flow further comprises: and the local clearing center of the second card issuer performs international business clearing between the second card issuer and the local clearing center of the second card issuer at the time of day cutting of the local clearing center of the second card issuer. The local clearing of the second acceptance organization performs international business clearing between the second acceptance organization and the local clearing center of the second acceptance organization at the time of day-to-day of the local clearing center of the second acceptance organization.

The above method flow can realize that the local clearing center of the second card issuing mechanism, the cross-district clearing center and the local clearing center of the second accepting mechanism carry out respective clearing at respective time of day, have no sequence and are mutually independent. The local clearing centers (the local clearing center of the second handling mechanism or the local clearing center of the second card issuing mechanism) in each sub-area can complete the clearing of local transactions (the card issuing mechanism and the handling mechanism are both local) and the single-side clearing (the clearing between the local clearing center and the local card issuing or handling mechanism) of cross-border transactions (one party of the card issuing mechanism or the handling mechanism is not local); and the cross-regional clearing center completes clearing with the first card issuing mechanism and the first accepting mechanism and clearing with local clearing centers of a plurality of sub-regions.

Based on the cross-border transaction clearing framework, system and method in the above embodiment, the embodiment of the present invention provides a "full payment pad" cross-border transaction clearing method as shown in fig. 15, and the cross-border transaction in the application scenario four in the above embodiment is taken as an example for detailed description.

If the local clearing center of the subregion LA1 is used as the local clearing center of the second acceptance organization of the application scenario four, the daily cutting time of the local clearing center is GMT13(GMT is greenwich mean standard time, and is one standard time referred to by the cross-district clearing center in the embodiment of the present invention), the daily cutting time of the independent cross-district clearing center in the international district IA is GMT15, the local clearing center of the subregion LA2 is used as the local clearing center of the second card issuing organization of the application scenario four, the daily cutting time of the local clearing center is GMT17, GMT13 is earlier than GMT15, and GMT15 is earlier than GMT17, the cross-border transaction clearing method of "global fund" includes:

step E101: the local clearing center of the second acceptance organization performs clearing between the local clearing center of the second acceptance organization and the second acceptance organization at GMT13 according to the international business information in the transaction request;

the clearing process mainly comprises the following steps: cross-border transaction loading, single-side clearing and settlement between a local clearing center of the second acceptance mechanism and the second acceptance mechanism, generation of a payment file and allocation of funds to the second acceptance mechanism;

specifically, when the daily cutting time GMT13 of the local clearing center of the second receiving institution on day T +1 arrives, the clearing between the second receiving institution and the local clearing center of the second receiving institution is performed for the cross-border transaction received between day T GMT13 and day T +1 GMT 13.

Since GMT13 is earlier than GMT15, the settlement between the cross-district clearing house and the local clearing house of the second card issuer has not yet started for the cross-border transaction occurring between GMT15 on T day to GMT13 on T +1 day, and therefore the local clearing house of the second acceptor mechanism needs to fund the local clearing house of the second card issuer that has the cross-border transaction with the local second acceptor mechanism in the meantime. The time interval of the local clearing center pre-payment of the second institution is shown as a shaded part in the area T +1 day of LA1 in fig. 16, and for the pre-payment in the period of the local clearing center of the second institution, at the time GMT15 of the day of the T +1 day of the cross-district clearing center, the cross-district clearing center completes the clearing with the local clearing center of the second card issuer, and the transaction fund of the cross-border transaction is allocated to the local clearing center of the second institution.

Step E102: the cross-district clearing center performs clearing among the cross-district clearing center, the local clearing center of the second acceptance mechanism and the local clearing center of the second card issuing mechanism in GMT15 according to the international business transaction information in the transaction request;

the clearing process mainly comprises cross-border transaction loading, clearing between the cross-regional clearing center and local clearing centers of the second acceptance mechanism and between local clearing centers of the second card issuing mechanism, generating payment files among centers and transferring funds among centers.

Specifically, when the time-of-day GMT15 of the cross-district clearing center day T +1 arrives, the clearing between the cross-district clearing center and the local clearing centers of the second receiving institution and the local clearing center of the second card issuing institution is completed for the cross-border transaction accepted between the T day GMT15 and the T +1 day GMT 15.

Since GMT15 is earlier than GMT17, when cross-border transaction between GMT17 on T day and GMT15 on T +1 day occurs, one-side settlement has not been performed between the local settlement center of the second card issuer and the second card issuer at GM15, and therefore, when the cross-border settlement center performs settlement between two local settlement centers, the local settlement center of the second card issuer needs to provision money for the local card issuer having cross-border transaction with the second acceptor during this period, and the time interval of the provision money for the local settlement center of the second card issuer is shown as the shaded portion of T +1 day in IA zone in fig. 16. For the pre-payment of the local clearing center of the second card issuer in the interim, when the daily cutting time GMT17 of the local clearing center T +1 day of the second card issuer arrives, the local clearing center of the second card issuer completes the one-side clearing with the second card issuer, and the second card issuer allocates the cross-border transaction fund to the local clearing center of the second card issuer.

Step E103: the local clearing center of the second card issuer performs clearing between the local clearing center of the second card issuer and the second card issuer at GMT17 according to the international business information in the transaction request;

the clearing process mainly comprises the following steps: cross-border transaction loading, single-side clearing and settlement between the local clearing center of the second card issuer and the second card issuer, generating payment files, and allocating funds to the local clearing center of the second card issuer.

Specifically, when the time-of-day GMT17 of the local clearing center T +1 of the second card issuer arrives, the clearing between the second card issuer and the local clearing center of the second card issuer is completed at GMT17 for the cross-border transaction accepted between T-day GMT17 to T + 1-day GMT 17.

In the above embodiment, the respective clearing processes of the local clearing center of the second card issuing mechanism, the cross-regional clearing center and the local clearing center of the second accepting mechanism are independent from each other, and the time for completing the clearing is related to the time of day-to-day switching of the local clearing center of the second card issuing mechanism, and there is no precedence relationship.

In order to reduce the payment pad load of each clearing center at the time of day cutting, the embodiment of the invention provides a method for carrying out multi-batch cross-border transaction clearing at a cross-district clearing center, and the multi-batch clearing provided by the embodiment of the invention can determine the clearing time of the cross-district clearing center according to the following strategies:

(1) for cross-border transaction of the direct connection cross-district clearing center accepted by the cross-district clearing center, clearing is completed in the time of day cutting of the cross-district clearing center;

(2) for the cross-border transaction that the card issuer and the acceptor establish connection with the cross-district clearing center through the local clearing center, the cross-district clearing center determines the clearing time between the cross-district clearing center and the local clearing center of the second card issuer and the local clearing center of the second acceptor according to the transaction occurrence time of the cross-border transaction and the daily cutting time of the local clearing center of the second card issuer and the local clearing center of the second acceptor;

specifically, if the cross-border transaction occurrence time is after the same-day switching time of the local clearing center of the second card issuing institution and before the same-day switching time of the local clearing center of the second accepting institution, the cross-regional clearing center determines the day switching time of the local clearing center of the second accepting institution as the clearing time;

if the cross-border transaction occurrence time is after the same-day switching time of the local clearing center of the second acceptance organization and before the same-day switching time of the local clearing center of the second card issuing organization, the cross-regional clearing center determines the day switching time of the local clearing center of the second card issuing organization as the clearing time;

if the cross-border transaction occurrence time is after the same day switching time of the local clearing center of the second acceptance organization and the local clearing center of the second card issuing organization, the cross-district clearing center determines the day switching time of the local clearing center with the earlier next day switching time as the clearing time.

(3) For the cross-border transaction that one party of the card issuing party and the accepting party establishes connection with the cross-district clearing center through the local clearing center, the cross-district clearing center completes clearing with the direct connection mechanism at the daily cutting time of the cross-district clearing center, and the cross-district clearing center completes clearing with the local clearing center at the daily cutting time of the local clearing center of the one party.

For example, for the clearing of the cross-border transaction in which the card issuer and the acceptor establish connection with the cross-border clearing center through the local clearing center, before the cross-border clearing center performs clearing, according to the cross-border transaction occurrence time in the transaction request, the daily cutting time of the local clearing center of the second card issuer and the daily cutting time of the local clearing center of the second acceptor, the clearing time of the cross-border clearing center completing clearing with the local clearing center of the second card issuer and the local clearing center of the second acceptor is determined according to the above-mentioned policies, so that the cross-border clearing center performs inter-center clearing at the daily cutting time of the local clearing center of the second acceptor or at the daily cutting time of the local clearing center of the second issuer.

According to the above strategy, if there are N local clearing centers of different sub-regions in the system frame and the respective cutting times per day are different, N +1 clearing time points can be obtained by sorting according to the cutting times per day of the local clearing centers of the N sub-regions and the cutting times per day of the cross-region clearing centers, each clearing time point corresponds to clearing of one batch, the number of batches cleared by the cross-region clearing centers is N +1, the clearing time point in the N +1 batches is the batch of the cutting times per day of the cross-region clearing centers, and is used for processing clearing between the cross-region clearing centers and the first acceptance mechanism or the first card issuing mechanism, in the remaining N batches, the clearing time point of each batch corresponds to the cutting time per day of the local clearing center of one of the sub-regions, and is used for processing clearing between the cross-region clearing centers and the local clearing centers, and the cross-region clearing centers determine that the inter-region clearing centers carry out clearing time between centers and the clearing time of the center according to the above strategy The batches belong to.

If the cross-district clearing center accepts the clearing of a plurality of cross-border transactions, the cross-district clearing center can determine the clearing time of each cross-border transaction in the cross-district clearing center according to the strategy, and determine which batch to clear according to the clearing time, because each batch corresponds to one clearing time, the clearing time of the batch is either the daily cutting time of the cross-district clearing center or the daily cutting time of the local clearing center of a certain sub-area, and the clearing of the batch is carried out when the clearing time of each batch reaches.

The cross-district clearing center carries out clearing according to the strategy, and for cross-border transactions that the card sender and the acceptor establish connection with the cross-district clearing center through the local clearing center, the payment charging period that the local clearing center of each sub-area is used as the card sender side local clearing center can be shortened. For cross-border transaction in which at least one of the card issuer and the acceptor establishes connection with a cross-regional clearing center through a local clearing center, if the cross-regional clearing center performs inter-center clearing at the daily cutting time of the local clearing center of the second card issuer, the local clearing center of the second card issuer does not need to pay money, and if the cross-regional clearing center performs inter-center clearing at the daily cutting time of the local clearing center of the second acceptor, the local clearing center of the second acceptor does not need to pay money for the card issuer of the transaction, and the local clearing center of the second card issuer needs to pay money, but the time period of the money payment is short. Therefore, the method for carrying out multi-batch clearing in the cross-district clearing center further reduces the pad money pressure of the local clearing center, and realizes cross-district clearing multi-level loose coupling and lightweight processing of international business.

The following is a detailed description of specific examples.

If the cross-district clearing center accepts 3 cross-country businesses, the accepting mechanism A of the subregion 1 and the card issuing mechanism B of the subregion 2 perform a first cross-border transaction at GMT1 of the T day, the accepting mechanism C of the subregion 3 and the card issuing mechanism D of the subregion 4 perform a second cross-border transaction at GMT7 of the T day, and the card issuing mechanism E of the direct cross-district clearing center and the accepting mechanism F of the direct cross-district clearing center perform a third cross-border transaction at GMT9 of the T day. The daily cutting time of the local clearing center of the sub-area 1 is GMT2, the daily cutting time of the local clearing center of the sub-area 2 is GMT4, the daily cutting time of the local clearing center of the sub-area 3 is GMT6, the daily cutting time of the local clearing center of the sub-area 4 is GMT8, and the daily cutting time of the cross-district clearing center is GMT 10.

The "multi-batch" cross-border transaction clearing method, as shown in fig. 17, includes:

step F101a, the daily cutting time of the local clearing center of the subregion 1 is GMT2, therefore, the local clearing center of the subregion 1 completes the clearing with the local acceptance organization A at the GMT2 of the T day, and transfers the transaction fund of the cross-border transaction 1 to the acceptance organization A;

step F101b, since the cross-border transaction 1 occurs in GMT1 of the T day, the time of day of the local clearing center of the sub-area 1 is GMT2, and the time of day of the local clearing center of the sub-area 2 is GMT4, the cross-border clearing center determines that the GMT2 of the T day completes clearing with the local clearing center of the sub-area 2 and the local clearing center of the sub-area 1 according to the above strategy, and divides the clearing between the cross-border clearing center and the local clearing centers of the sub-area 1 and the sub-area 2 into batches with the clearing time of GMT 2; when the clearing between the batch of cross-regional clearing centers and the local clearing centers of the sub-region 1 and the sub-region 2 is carried out, the local clearing centers of the sub-region 2 transfer the transaction funds of the cross-regional transaction 1 to the cross-regional clearing centers, the cross-regional clearing centers transfer the transaction funds of the cross-regional transaction 1 to the local clearing centers of the sub-region 1, and the cross-regional clearing centers generate clearing results with the local clearing centers of the sub-region 1 and the sub-region 2.

Step F102, the local clearing center of the subregion 2 clears at the GMT4 of the T day; the time-to-day of the local clearing centre for sub-area 2 is GMT4, so the local clearing centre for sub-area 2 completes the clearing with the local card issuer B at GMT4 for day T, and the card issuer B transfers the transaction funds for the cross-border transaction 1 to the local clearing centre for sub-area 2.

Step F103a, because the cross-border transaction 2 occurs in the GMT7 of the T day, the time of day of the local clearing center of the sub-area 3 is GMT6, and the time of day of the local clearing center of the sub-area 4 is GMT8, according to the above strategy, the cross-border clearing center determines that the clearing between the GMT8 of the T day and the local clearing centers of the sub-area 3 and the sub-area 4 is completed, and divides the clearing between the cross-border clearing center and the local clearing centers of the sub-area 3 and the sub-area 4 into batches with the clearing time of GMT 4; when the clearing between the batch of cross-regional clearing centers and the local clearing centers of the sub-regions 3 and 4 is carried out, the local clearing centers of the sub-regions 4 transfer the transaction funds of the cross-border transactions 2 to the cross-regional clearing centers, the cross-regional clearing centers transfer the transaction funds of the cross-border transactions 2 to the local clearing centers of the sub-regions 3, and clearing results between the local clearing centers of the sub-regions 3 and 4 are generated.

Step F103b, the time-of-day of the local clearing center of the sub-area 4 is GMT8, so that the local clearing center of the sub-area 4 completes the clearing with the local card issuer D at GMT8 of the T day, and the card issuer D allocates the transaction funds of the cross-border transaction 2 to the local clearing center of the sub-area 4.

Step F104, the cross-district clearing center completes clearing between GMT10 on day T and card issuing mechanism E and accepting mechanism F; because the cross-border transaction 3 occurs in GMT9 of T day, the cross-district clearing center performs clearing with the card issuing institution E and the accepting institution F in GMT10 of T day, the card issuing institution E transfers the transaction fund of the cross-border transaction 3 to the cross-district clearing center, the cross-district clearing center transfers the transaction fund of the cross-border transaction 3 to the accepting institution F, and a clearing result between the cross-border transaction 3 and the card issuing institution E and the accepting institution F is generated.

Step F105, the local clearing center of the subregion 3 completes clearing with the acceptance institution C on the GMT6 of the T +1 day; since the cross-border transaction 2 occurs in the GMT7 of the day T, the daily time of the local clearing center of the sub-area 3 is GMT6, the local clearing center of the sub-area 3 completes clearing with the accepting organization C in the GMT6 of the day T +1, the transaction fund of the cross-border transaction 2 is allocated to the accepting organization C, and a clearing result with the accepting organization C is generated.

In the flow of the method, when the cross-regional clearing center performs clearing of the cross-border transaction 1, the inter-center clearing is performed at the time of day-to-day GMT2 of the local clearing center of the sub-region 1, and the local clearing center of the sub-region 2 needs to be paid, so that the payment-paying time period of the local clearing center of the sub-region 2 is shorter compared with a full payment-paying mode; when the cross-regional clearing center carries out clearing of the cross-border transaction 2, the inter-center clearing is carried out at the time of day-to-day GMT8 of the local clearing center of the sub-region 4, and the local clearing centers of the sub-region 4 and the sub-region 3 do not need to be charged, so that the charging pressure of the local clearing center is further reduced by the method, and cross-regional clearing multistage loose coupling and light weight processing of international business are realized.

In the embodiment of the present invention, the cross-regional clearing center completes clearing between the local clearing centers of the sub-regions and the multiple batches, which is not limited to the above-mentioned strategy. For example, before the cross-regional clearing center performs multi-batch clearing, parameter customization is performed in advance, a plurality of batches are set according to the daily cutting time of the local clearing center of each sub-region, the clearing time of each batch corresponds to the daily cutting time of the local clearing center of one sub-region, the cross-regional clearing center determines the clearing time of the cross-regional clearing center for clearing the transaction and the batch to which the clearing time belongs according to the occurrence time of the cross-regional transaction in the transaction request, and when the clearing time of the batch comes, clearing of all cross-regional transactions of the batch is completed. For example, the cross-region clearing center is connected with the local clearing centers of four sub-regions, and the cutting-by-day time of the local clearing centers of the four sub-regions is respectively: GMT2, GMT4, GMT6, GMT8, the district clearing center sets the clearing times of GMT2, GMT4, GMT6, and GMT8 to 1 st, 2 nd, 3 rd, and 4 th batches, respectively, the 1 st batch is used for clearing the cross-border transaction occurring after the GMT8 on the previous day and before the GMT2 on the current day, the 2 nd batch is used for clearing the cross-border transaction occurring between the GMT2 and the GMT4, the 3 rd batch is used for clearing the cross-border transaction occurring between the GMT4 and the GMT6, the 4 th batch is used for clearing the cross-border transaction occurring between the GMT6 and the GMT8, the district clearing center receives only two cross-border transactions, the first cross-border transaction occurs at GMT 636, and the second cross-border transaction occurs at GMT5, and if the first batch is the GMT2 and the second batch is processed at the GMT 7373 st clearing center. The multi-batch clearing method can also realize clearing of the cross-regional clearing center at the time of day and time of the cross-regional clearing center or at the local clearing center of a certain sub-region, further reduce the payment backing pressure of the local clearing center, and realize cross-regional clearing multi-level loose coupling and lightweight processing of international business.

By way of examples of the full payment and multi-batch clearing in the above embodiments, the physical architecture, system and method of cross-border transaction clearing in the above embodiments of the present invention have the characteristics of customizable parameters, light weight, low cost, flexible expansion and rapid deployment.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.

Claims

1. A cross-border transaction clearing method, comprising:

the method comprises the steps that a cross-regional clearing center receives a transaction request sent by an acceptor, wherein the acceptor is a first acceptor or a second acceptor, the first acceptor is an acceptor which is directly connected with the cross-regional clearing center, and the second acceptor is an acceptor which is connected with the cross-regional clearing center through a local clearing center of the second acceptor;

2. The method of claim 1, wherein if the acquirer is the first acquirer, the issuer is the first issuer; then

3. The method of claim 1, wherein if the acquirer is the second acquirer, the issuer is the first issuer; then

the method further comprises the following steps:

4. The method of claim 1, wherein if the issuer is the second issuer, the acceptor is the first acceptor; then

the method further comprises the following steps:

5. The method of claim 1, wherein if the issuer is the second issuer, the acceptor is the second acceptor; then

the method further comprises the following steps:

6. The method of claim 5,

the cross-regional clearing center determines clearing time for the cross-regional clearing center to complete clearing with the local clearing center of the second card issuer and the local clearing center of the second acceptance organization according to cross-border transaction occurrence time, the switching time of the local clearing center of the second card issuer and the switching time of the local clearing center of the second acceptance organization in the transaction request, and the method comprises the following steps:

7. The method of any of claims 1 to 6, wherein after forwarding the transaction request to the card issuer by the cross-regional clearinghouse based on the card issuer information, further comprising:

8. A cross-border transaction clearing system, comprising:

9. The system of claim 8, wherein if the acquirer is the first acquirer, the issuer is the first issuer; then

10. The system of claim 8, wherein if the acquirer is the second acquirer, the issuer is the first issuer; then

The cross-district clearing center is specifically configured to:

11. The system of claim 8, wherein if the issuer is the second issuer, the acceptor is the first acceptor; then

The cross-district clearing center is specifically configured to:

12. The system of claim 8, wherein if the issuer is the second issuer, the acceptor is the second acceptor; then

The cross-district clearing center is specifically configured to:

13. The system of claim 12, wherein the cross-region clearing house is specifically configured to:

if the cross-border transaction occurrence time is after the same-day and same-day time cut of the local clearing center of the second acceptance organization and the cross-border transaction occurrence time is before the same-day and same-day time cut of the local clearing center of the second card issuing organization, determining the day cut time of the local clearing center of the second card issuing organization as the clearing time;

and if the cross-border transaction occurrence time is after the same-day time cut of the local clearing center of the second acceptance mechanism and the local clearing center of the second card issuing mechanism, determining that the clearing time is before the next day time cut of the local clearing center of the second acceptance mechanism and the local clearing center of the second card issuing mechanism.

14. The system of any one of claims 8 to 13, wherein the cross-regional clearinghouse is further configured to: