CN106127569A - The clearing operation buffer queue match method of inter-bank payment system and device - Google Patents
The clearing operation buffer queue match method of inter-bank payment system and device Download PDFInfo
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Abstract
The invention provides clearing operation buffer queue match method and the device of a kind of inter-bank payment system, wherein, method includes: choose clearing operation according to currently processed clearing operation from clearing operation buffer queue；According to the debtor-creditor relationship between described clearing account, currently processed described clearing operation and the described clearing operation chosen are formed closed loop buffer queue, wherein, the account balance of clearing account described in described closed loop buffer queue and credit amount sum are not less than debit amount；The clearing account remaining sum of this clearing account is calculated according to described account balance, described credit amount and the described debit amount of clearing account described in described closed loop buffer queue.The present invention improves the clearance efficiency of payment transaction, saves inter-bank payment system resource, prevents the systematic risk caused because of business " deadlock ".
Description
Technical field
The present invention relates to field of computer technology, particularly relate to a kind of interbank inter-bank fund clearing method, specifically
It is exactly clearing operation buffer queue match method and the device of a kind of inter-bank payment system.
Background technology
At present, China Modern Payment System (CNAPS) provides interbank inter-bank fund for participant and special permission participant
Clearance service, interbank inter-bank fund clearing service provides interbank fund clearing to take for the participant accessed and special permission participant
Business.Inter-bank payment and settlement system is a kind of on-line transaction processing system based on task manager, for different business functions
Devise different process services, between service, use mode either synchronously or asynchronously to call mutually, to complete the function of correspondence.Ginseng
With person and the special permission clearing account offered of participant all in payment clearance system centralized stores, participant sends out to payment clearance system
Sending payment clearance instruction, wholesale real time payment system (HVPS) carries out the most full-amount clearance to the payment clearance instruction received, when
When the available position deficiency of clearing account pays, it is provided that clearance buffer queue treatment mechanism, and service buffer quene state is notified
Relevant participant.
But, existing inter-bank payment and settlement system payment transaction clearance inefficiency, business often occurs that " deadlock " is existing
As, therefore, those skilled in the art urgently provide the clearance buffer queue match method of a kind of inter-bank payment and settlement system, to carry
The clearance efficiency of high payment transaction, prevents clearing operation from " deadlock " occur.
Summary of the invention
In view of this, the technical problem to be solved in the present invention is that the clearing operation providing a kind of inter-bank payment system caches
Queue match method and device, solve existing banker's payment system payment transaction clearance inefficiency, and clearing operation is frequent
The problem that deadlock occurs.
In order to solve above-mentioned technical problem, the detailed description of the invention of the present invention provides the clearance industry of a kind of inter-bank payment system
Business buffer queue match method, including: from clearing operation buffer queue, choose clearance industry according to currently processed clearing operation
Business；According to the debtor-creditor relationship between described clearing account by currently processed described clearing operation and the described clearing operation chosen
Composition closed loop buffer queue, wherein, the account balance of clearing account described in described closed loop buffer queue and credit amount sum
Not less than debit amount；According to the described account balance of clearing account, described credit amount described in described closed loop buffer queue
With the clearing account remaining sum that described debit amount calculates this clearing account.
The detailed description of the invention of the present invention also provides for the clearing operation buffer queue of a kind of inter-bank payment system and brings device together,
Including: choose unit, for choosing clearing operation according to currently processed clearing operation from clearing operation buffer queue；Closed loop
Component units, is used for currently processed described clearing operation and the institute chosen according to the debtor-creditor relationship between described clearing account
State clearing operation composition closed loop buffer queue, wherein, the account balance of clearing account described in described closed loop buffer queue and loan
Note amount of money sum is not less than debit amount；Computing unit, for according to the institute of clearing account described in described closed loop buffer queue
State account balance, described credit amount and described debit amount and calculate the clearing account remaining sum of this clearing account.
According to the above-mentioned detailed description of the invention of the present invention, the clearing operation buffer queue side of brining together of inter-bank payment system
Method and device at least have the advantages that chooses one or many according to current clearing operation from clearing operation buffer queue
Individual clearing operation, then the clearing operation composition closed loop buffer queue that will choose, by credit amount and the debit of each clearing account
The amount of money carry out offsetting thus obtain bring process together after clearing account remaining sum corresponding to each clearing operation, and will composition closed loop caching
The clearing operation of queue discharges from clearing operation buffer queue, and the present invention can save the fund of participant, makes participant's energy
Realize bigger mobility by less clearing account position, improve the clearance efficiency of payment transaction, save inter-bank payment system
Resource, prevents the systematic risk caused because of business " deadlock ".
It is to be understood that above-mentioned general description and detailed description below be merely illustrative and illustrative, it is not
The scope that the present invention to be advocated can be limited.
Accompanying drawing explanation
Following appended accompanying drawing is a part for the description of the present invention, and it depicts the example embodiment of the present invention, institute
Accompanying drawing is used for illustrating the principle of the present invention together with the description of description.
The clearing operation buffer queue side of brining together of a kind of inter-bank payment system that Fig. 1 provides for the specific embodiment of the invention
The flow chart of the embodiment one of method；
The clearing operation buffer queue side of brining together of a kind of inter-bank payment system that Fig. 2 provides for the specific embodiment of the invention
The flow chart of the embodiment two of method；
The clearing operation buffer queue side of brining together of a kind of inter-bank payment system that Fig. 3 provides for the specific embodiment of the invention
The flow chart of the embodiment three of method；
The clearing operation buffer queue side of brining together of a kind of inter-bank payment system that Fig. 4 provides for the specific embodiment of the invention
The closed loop buffer queue funds flow schematic diagram of method；
The clearing operation buffer queue side of brining together of a kind of inter-bank payment system that Fig. 5 provides for the specific embodiment of the invention
The closed loop buffer queue of method chooses schematic diagram；
Fig. 6 brings dress together for the clearing operation buffer queue of a kind of inter-bank payment system that the specific embodiment of the invention provides
The schematic block diagram of the embodiment one put；
Fig. 7 brings dress together for the clearing operation buffer queue of a kind of inter-bank payment system that the specific embodiment of the invention provides
The schematic block diagram of the embodiment two put；
Fig. 8 brings dress together for the clearing operation buffer queue of a kind of inter-bank payment system that the specific embodiment of the invention provides
The schematic block diagram of the embodiment three put.
Detailed description of the invention
For making the purpose of the embodiment of the present invention, technical scheme and advantage clearer, below will with accompanying drawing and in detail
Narration clearly illustrates the spirit of disclosed content, and any skilled artisan is understanding present invention
After embodiment, when the technology that can be taught by present invention, being changed and modify, it is without departing from the essence of present invention
God and scope.
The schematic description and description of the present invention is used for explaining the present invention, but not as a limitation of the invention.
It addition, the element/component of same or like label is used to represent same or like portion used in drawings and the embodiments
Point.
About " first " used herein, " second " ... etc., censure order or the meaning of cis-position the most especially, also
It is not used to limit the present invention, its element described with constructed term only for difference or operation.
About direction used herein term, such as: upper and lower, left and right, front or rear etc., it is only the side with reference to accompanying drawing
To.Therefore, the direction term of use is used to illustrate not for limiting this creation.
About " comprising " used herein, " including ", " having ", " containing " etc., it is the term of opening, i.e.
Mean including but not limited to.
About used herein " and/or ", including the arbitrary of described things or all combine.
About term used herein " substantially ", " about " etc., in order to modify any can be with the quantity of microvariations or mistake
Difference, but this slight variations or error can't change its essence.It is said that in general, the microvariations modified of this type of term or error
Scope can be 20% in some embodiments, can be 10% in some embodiments, can be in some embodiments 5% or its
His numerical value.It will be understood by those skilled in the art that the aforementioned numerical value mentioned can adjust according to actual demand, be not limited thereto.
Some is in order to describe the word of the application by lower or discuss in the other places of this description, to provide art technology
Personnel are about guiding extra in the description of the present application.
The clearing operation buffer queue side of brining together of a kind of inter-bank payment system that Fig. 1 provides for the specific embodiment of the invention
The flow chart of the embodiment one of method, as it is shown in figure 1, by qualified clearance industry two or more in clearing operation buffer queue
Business is offset, and to save the fund of participant, makes participant can realize bigger mobility by less clearing account position.
This detailed description of the invention shown in the drawings includes:
Step 101: choose clearing operation from clearing operation buffer queue according to currently processed clearing operation.Wherein,
The account balance that currently processed described clearing operation is corresponding is less than debit amount.Due to the clearing operation pair being presently processing
The account balance answered be less than debit amount, need to carry out clearing operation buffer queue and bring together, payment transaction clearance could continue into
Row goes down.
Step 102: by currently processed described clearing operation and choose according to the debtor-creditor relationship between described clearing account
Described clearing operation composition closed loop buffer queue, wherein, described in described closed loop buffer queue clearing account account balance
With credit amount sum not less than debit amount.In the specific embodiment of the present invention, arbitrary clearance in described closed loop buffer queue
Credit account corresponding to business is the debit account that clearing operation adjacent with this clearing operation is corresponding；And described closed loop caches team
The debit account that in row, arbitrary clearing operation is corresponding is the credit account that clearing operation adjacent with this clearing operation is corresponding.Such as,
According to clearing operation a, clearing account (respectively account A, account B and account C) corresponding with clearing operation c for clearing operation b it
Between debtor-creditor relationship, clearing operation a, clearing operation b, clearing operation c are formed closed loop buffer queue, wherein, account A, account B
With the debtor-creditor relationship between account C is that account A is paid account B money (i.e. clearing operation b), account B is paid account C money (i.e.
Clearing operation c), account C pays account A money (i.e. clearing operation c)；According to account A, between B, C, debtor-creditor relationship will clear industry
Business a, clearing operation b, clearing operation c form closed loop buffer queue, i.e. clearing operation a → clearing operation b → clearing operation c, close
Node in ring buffer queue be account A, B, C, i.e. funds flow be account A → account B → account C → account A.For clearance
For business a, the debit account of clearing operation a is account A, and the credit account of clearing operation a is account B；And clearing operation a
Adjacent clearing operation is clearing operation b and clearing operation c, and for clearing operation b, the debit account of clearing operation b is account
Family B；For clearing operation c, credit account corresponding for clearing operation c is account A.So can ensure that currently processed clear
Account balance and credit amount sum that calculation business is corresponding are not less than debit amount, prevent due to currently processed clearing operation pair
" deadlock " that the account balance deficiency answered causes, saves the fund of participant, makes the participant can be by less clearing account position
Realize bigger mobility.
It addition, in other specific embodiment of the present invention, by currently processed described clearing operation and choose described clearly
During calculation business composition closed loop buffer queue, the minimum number of the clearing account of use.As it has been described above, according to described clearing account it
Between debtor-creditor relationship by currently processed described clearing operation and choose described clearing operation composition closed loop buffer queue, may
One closed loop of composition when multiple closed loop buffer queue, such as funds flow are account A → account B → account C → account A can be formed
Buffer queue, forms again a closed loop buffer queue when funds flow is account A → account B → account C → account D → account A,
Now choosing the closed loop buffer queue of the minimum number of clearing account, i.e. choosing funds flow is account A → account B → account C
The closed loop buffer queue of → account A carries out brining process together, so can greatly reduce data processing amount when brining process together and calculation
Method complexity, improves further the clearance efficiency of payment transaction, as it is shown in figure 5, in Figure 5, clearing operation a, clearing operation b and
Clearing operation c forms a Guan Bi buffer queue, and in this Guan Bi buffer queue, total account A, account B and account C tri-are clear
Do accounts family；Clearing operation a, clearing operation b, clearing operation c, clearing operation m and clearing operation n form again a Guan Bi and cache team
Row, total account A, account B, account C and account D tetra-clearing account in this Guan Bi buffer queue, it is clear that the first closed loop is delayed
Deposit the quantity of clearing account during the quantity of clearing account is less than the second closed loop buffer queue in queue, now with account A, account B
The the first closed loop buffer queue become with account C-shaped carries out clearing operation and brings process together, so can greatly reduce when brining process together
Data processing amount, the system resource of consumption is few, can improve the clearance efficiency of payment transaction further.
Such as, it is clearing operation a according to currently processed clearing operation, from clearing operation buffer queue, chooses clearance industry
Business b and clearing operation c, according to clearing operation a, clearing operation b, clearing account (respectively account A, account corresponding for clearing operation c
Family B and account C) between debtor-creditor relationship, clearing operation a, clearing operation b, clearing operation c are formed closed loop buffer queue, account
Debtor-creditor relationship between family A, account B and account C is that account A is paid account B money (i.e. clearing operation b), account B is paid account
(i.e. clearing operation c), account C pays account A money (i.e. clearing operation c) to family C money；According to account A, debtor-creditor relationship between B, C
Clearing operation a, clearing operation b, clearing operation c are formed closed loop buffer queue, i.e. clearing operation a → clearing operation b → clearance
Business c, the node in closed loop buffer queue be account A, B, C, i.e. funds flow be account A → account B → account C → account A；
Assuming that the account balance of account A is 80, the account balance of account B is 90, and the account balance of account C is 100；The debit of account A
The amount of money is 90, and the debit amount of account B is 120, and the debit amount of account C is 140；According to debtor-creditor relationship, it is clear that account A
Credit amount is 140, and the credit amount of account B is 90, and the credit amount of account C is 120；Therefore, the account balance 80 of account A
It is 220 with credit amount 140 sum, is 90 more than the debit amount of account A；Account balance 90 and the credit amount 90 of account B
Sum is 180, is 120 more than the debit amount of account B；Account balance 100 and credit amount 120 sum of account C are 220,
It is 140 more than the debit amount of account C.
Step 103: according to the described account balance of clearing account, described credit amount described in described closed loop buffer queue
With the clearing account remaining sum that described debit amount calculates this clearing account.It is exactly specifically, by described closed loop buffer queue
After the described account balance of described clearing account and the summation of described credit amount, the described debit amount deducting this clearing account obtains
Obtain the clearing account remaining sum of this clearing account.Account balance, credit amount and debit amount according to clearing account calculate this
The clearing account remaining sum of clearing account (i.e. for each clearing account: clearing account remaining sum=available amount (i.e. account balance)+
∑ credit amount-∑ debit amount (absolute value), in formula, credit amount and debit amount take and represent between two clearing account
The clearing operation of many identical funds flows, the most such clearing operation may be there is in clearing operation buffer queue simultaneously
Can represent with multiple arrows at closed loop buffer queue schematic diagram with merging treatment, as shown in Figure 4, in the diagram, clearing operation p with
The funds flow of clearing operation b is identical, now, and clearing operation p and clearing operation b merging treatment, improve payment transaction further
Clearance efficiency, now clearing operation p and clearing operation b is not adjacent clearing operation, clearing operation p's and clearing operation b
Adjacent clearing operation is identical, is clearing operation a and clearing operation c), and such as, the account balance of account A is 80, the account of account B
Family remaining sum is 90, and the account balance of account C is 100；The debit amount of account A is 90, and the debit amount of account B is 120, account
The debit amount of C is 140；According to debtor-creditor relationship, then, the credit amount of account A is 140, and the credit amount of account B is 90,
The credit amount of account C is 120；Therefore, the clearing account remaining sum of account A is: 80+140-90=130；The clearance account of account B
Family remaining sum is: 90+90-120=60；The clearing account remaining sum of account C is: 100+120-140=80.
See Fig. 1, qualified clearing operations two or more in clearing operation buffer queue are offset, thus
The fund of participant can be saved, improve the clearance efficiency of payment transaction, save inter-bank payment system resource, prevent because of business
The systematic risk that " deadlock " causes.
The clearing operation buffer queue side of brining together of a kind of inter-bank payment system that Fig. 2 provides for the specific embodiment of the invention
The flow chart of the embodiment two of method, as in figure 2 it is shown, delete completing the clearing operation brining process together from clearing operation buffer queue
Remove, it is to avoid repeat clearance.
Step 104: the described clearing operation in described closed loop buffer queue is deleted from clearing operation buffer queue.
See Fig. 2, clearing operation is deleted from clearing operation buffer queue, free system resources, improve payment transaction
Clearance efficiency.
The clearing operation buffer queue side of brining together of a kind of inter-bank payment system that Fig. 3 provides for the specific embodiment of the invention
The flow chart of the embodiment three of method, as it is shown on figure 3, in order to allow what clearing account grasped in time clearing operation to bring situation together, to pinch
Close participant corresponding to successful clearing operation and send clearance notice message.
In this detailed description of the invention shown in the drawings, after step 103, the method also includes:
Step 105: send clearance notice message to the clearing account that described clearing operation is corresponding.
See Fig. 3, send clearance notice message to brining participant corresponding to successful clearing operation (clearing account) together, allow
Participant understands the result of brining together of clearing operation in time, improves the Experience Degree of user.To brining together, successful clearing operation is corresponding
After participant sends clearance notice message, if clearing operation buffer queue there is also the clearing operation meeting condition of brining together,
Other clearing operation in clearing operation buffer queue can also be brought together counteracting again process.
In the specific embodiment of the present invention, from clearing operation buffer queue, take the clearing operation of different participant A, B, C,
Assuming that wholesale clearing operation a, b, c that direct participant A, B, C (clearing account A, B, C) initiate are in clearing queueing condition,
And wholesale clearing operation a, b, c are not to be settled institute by the former (direct participant A the former be direct participant C) initiation business
Cause, i.e. there is following relation.a->b->c->a.Clearing operation a, b, c are brought together process, if brining rear clearing operation together
A, b, c clearing account remaining sum is all higher than equal to 0 (i.e. every clearing bank account: available amount >=∑ debit amount (absolute value)-∑
Credit amount), then to bring together successfully, clearing operation is cleared；Otherwise brining failure together, clearing operation is still in clearance queueing condition.Table 1
Before and after brining together for direct participant A, B, C, " the clearance queuing service amount of money ", " clearing account remaining sum ", and " clearing account remaining sum
Calculating process " change, direct participant A (i.e. " clearance queuing service amount of money " of clearing operation a) and " clear account before brining together
Family remaining sum " it is respectively 90.00 and 80.00, direct participant B (i.e. " the clearance queuing service amount of money " of clearing operation b) and " clearance
Account balance " be respectively 120.00 and 90.00, direct participant C (i.e. " clearance queuing service amount of money " of clearing operation c) and
" clearing account remaining sum " is respectively 140.00 and 100.00.Available amount in formula is exactly " clearing account remaining sum " in table 1；
Debit amount (absolute value) sum in formula is exactly " the clearance queuing service amount of money "；Credit amount sum in formula is closed exactly
In ring " the clearance queuing service amount of money " of next participant (clearance participating banks)；Debit amount is usually denoted as negative value, therefore, borrows
The note amount of money takes absolute value.After having brought together, " the clearance queuing service amount of money " of direct participant A, B, C is 0.00, directly joins
It is respectively 130.00,60.00,80.00 with " the clearing account remaining sum " of person A, B, C.
Table 1
According to table 1, direct participant A, B, C meet formula: available amount >=∑ debit amount (absolute value)-∑ is borrowed
The note amount of money, meets the condition of brining together, therefore can bring together.Specifically bring process together as follows:
Participant A can use amount (80) >=∑ debit amount (90)-∑ credit amount (140)；
Participant B can use amount (90) >=∑ debit amount (120)-∑ credit amount (90)；
Participant C can use amount (100) >=∑ debit amount (140)-∑ credit amount (120).
After brining process together, the clearing account remaining sum of clearing operation a is 80+140-90=130；The clearance account of clearing operation b
Family remaining sum is 90+90-120=60；The clearing account remaining sum of clearing operation c is 120+100-140=80.
In the still another embodiment of the present invention, from clearing operation buffer queue, take different participant A, B, C, D, E
Clearing operation, it is assumed that wholesale clearing operation a that directly participant A, B, C, D, E (clearing account A, B, C, D, E) initiate, b, c, d,
E be in clear queueing condition, and wholesale clearing operation a, b, c, d, e be by the former (clearing account A the former for clearing account
E) initiation business is not settled and is caused, and i.e. there is following relation: a-> b-> c-> d-> e-> a.To clearing operation a, b, c, d, e
Carry out brining process together, if A, B, C, D, E clearing account remaining sum of clearing account after brining together is all higher than equal to 0 (Ji Mei clearing bank account
Family: available amount >=∑ debit amount (absolute value)-∑ credit amount), then to bring together successfully, clearing operation is saved；Otherwise bring together
Failure, clearing operation still processes clearance queueing condition.Before and after table 2 is brought together for direct participant A, B, C, D, E, " clearance queuing industry
The business amount of money ", " clearing account remaining sum ", and the change of " clearing account remaining sum calculate process ".Direct participant A before brining together
" the clearance queuing service amount of money " and " clearing account remaining sum " are respectively 90.00 and 80.00, " the clearance queuing industry of direct participant B
The business amount of money " and " clearing account remaining sum " be respectively 120.00 and 90.00, " clear the queuing service amount of money " of direct participant C and
" clearing account remaining sum " is respectively 140.00 and 100.00, " the clearance queuing service amount of money " of direct participant D and " clearing account
Remaining sum " it is respectively 170.00 and 90.00, " the clearance queuing service amount of money " of direct participant E and " clearing account remaining sum " difference
It is 60.00 and 30.00,.After having brought together, " the clearance queuing service amount of money " of direct participant A, B, C, D, E is 0.00, directly
" the clearing account remaining sum " that meet participant A, B, C, D, E is respectively 50.00,60.00,80.00,60.00,140.
Table 2
According to table 2, direct participant A, B, C, D, E meet formula: available amount >=∑ debit amount (absolute value)-
∑ credit amount, meets the condition of brining together, therefore can bring together.Specifically bring process together as follows:
Participant A can use amount (80) >=∑ debit amount (90)-∑ credit amount (60)；
Participant B can use amount (90) >=∑ debit amount (120)-∑ credit amount (90)；
Participant C can use amount (100) >=∑ debit amount (140)-∑ credit amount (120)；
Participant D can use amount (90) >=∑ debit amount (170)-∑ credit amount (140)；
Participant E can use amount (30) >=∑ debit amount (60)-∑ credit amount (170).
After brining process together, the clearing account remaining sum of clearing operation a is 80+60-90=50；The clearing account of clearing operation b
Remaining sum is 90+90-120=60；The clearing account remaining sum of clearing operation c is 120+100-140=80；The clearance of clearing operation d
Account balance is 140+90-170=60；The clearing account remaining sum of clearing operation e is 170+30-60=140.
Fig. 6 brings dress together for the clearing operation buffer queue of a kind of inter-bank payment system that the specific embodiment of the invention provides
The schematic block diagram of the embodiment one put, clearing operation buffer queue as shown in Figure 6 is brought device together and be may apply to such as Fig. 1-Fig. 5
In shown clearing operation buffer queue match method, by qualified clearances two or more in clearing operation buffer queue
Business is offset, and to save the fund of participant, makes participant can realize bigger flowing by less clearing account position
Property.
In this detailed description of the invention shown in the drawings, clearing operation buffer queue is brought device together and is included choosing unit 1, closed loop
Component units 2 and computing unit 3, wherein, choose unit 1 for caching team according to currently processed clearing operation from clearing operation
Row are chosen clearing operation；Closed loop component units 2 is used for currently processed according to the debtor-creditor relationship between described clearing account
Described clearing operation and the described clearing operation composition closed loop buffer queue chosen, wherein, described in described closed loop buffer queue
The account balance of clearing account and credit amount sum are not less than debit amount；Computing unit 3 is for caching according to described closed loop
Described in queue, described account balance, described credit amount and the described debit amount of clearing account calculate the clear of this clearing account
Calculate account balance.
See Fig. 6, qualified clearing operations two or more in clearing operation buffer queue are offset, thus
The fund of participant can be saved, make participant can realize bigger mobility by less clearing account position, improve and pay
The clearance efficiency of business, saves inter-bank payment system resource, prevents the systematic risk caused because of business " deadlock ".
Fig. 7 brings dress together for the clearing operation buffer queue of a kind of inter-bank payment system that the specific embodiment of the invention provides
The schematic block diagram of the embodiment two put, as it is shown in fig. 7, the clearing operation brining process together will be completed from clearing operation buffer queue
Delete, thus free system resources, in order in clearing operation buffer queue, other clearing operation carries out clearing or brining process together.
In this detailed description of the invention shown in the drawings, clearing operation buffer queue is brought device together and is included deleting unit 4, its
In, delete unit 4 for being deleted from clearing operation buffer queue by the described clearing operation in described closed loop buffer queue.
See Fig. 7, clearing operation is deleted from clearing operation buffer queue, free system resources, improve payment transaction
Clearance efficiency.
Fig. 8 brings dress together for the clearing operation buffer queue of a kind of inter-bank payment system that the specific embodiment of the invention provides
The schematic block diagram of the embodiment three put, as shown in Figure 8, grasps brining together of clearing operation in time for person's of letting on (clearing account)
Situation, transmitting element sends clearance notice message to brining participant corresponding to successful clearing operation together.
In this detailed description of the invention shown in the drawings, clearing operation buffer queue is brought device together and is also included transmitting element 5, its
In, transmitting element 5 sends clearance notice message for the clearing account corresponding to described clearing operation.
Seeing Fig. 8, send clearance notice message to brining participant corresponding to successful clearing operation together, the person of letting on is (clear
Do accounts family) understand the result of brining together of clearing operation in time, improve the Experience Degree of user.To brining together, successful clearing operation is corresponding
After participant sends clearance notice message, if clearing operation buffer queue there is also the clearing operation meeting condition of brining together,
Other clearing operation in clearing operation buffer queue can also be brought together counteracting again process.
The specific embodiment of the invention provides clearing operation buffer queue match method and the device of a kind of inter-bank payment system,
From clearing operation buffer queue, one or more clearing operation, then the clearing operation that will choose is chosen according to current clearing operation
Composition closed loop buffer queue, after carrying out offsetting by the credit amount of each clearing account and debit amount thus obtaining and bring process together
(clearing account remaining sum=account amount+∑ credit amount-∑ debit amount is (definitely for the clearing account remaining sum of each clearing account
Value)), and the clearing operation of composition closed loop buffer queue is discharged from clearing operation buffer queue, the present invention can save ginseng
With the fund of person, improve the clearance efficiency of payment transaction, save inter-bank payment system resource, prevent from causing because of business " deadlock "
Systematic risk.
The above-mentioned embodiment of the present invention can be implemented in various hardware, Software Coding or both combinations.Such as, this
Bright embodiment is alternatively and performs said method in data signal processor (Digital Signal Processor, DSP)
Program code.The present invention can also refer to computer processor, digital signal processor, microprocessor or field-programmable gate array
The several functions that row (Field Programmable Gate Array, FPGA) perform.Above-mentioned process can be configured according to the present invention
Device performs particular task, and it defines machine-readable software code or the firmware generation of the ad hoc approach that the present invention discloses by execution
Code completes.Software code or firmware code can be developed into different program languages and different forms or form.It is alternatively
Different target platform composing software codes.But, the software code performing task according to the present invention configures generation with other types
The different code pattern of code, type and language are without departing from spirit and scope of the invention.
The foregoing is only the schematic detailed description of the invention of the present invention, before without departing from the design of the present invention and principle
Put, equivalent variations that any those skilled in the art is made and amendment, the scope of protection of the invention all should be belonged to.
Claims (10)
1. the clearing operation buffer queue match method of an inter-bank payment system, it is characterised in that the method includes:
From clearing operation buffer queue, clearing operation is chosen according to currently processed clearing operation；
According to the debtor-creditor relationship between described clearing account by currently processed described clearing operation and the described clearance industry chosen
Business composition closed loop buffer queue, wherein, account balance and the credit amount of clearing account described in described closed loop buffer queue it
With not less than debit amount；And
According to the described account balance of clearing account described in described closed loop buffer queue, described credit amount and described debit gold
Volume calculates the clearing account remaining sum of this clearing account.
2. the clearing operation buffer queue match method of inter-bank payment system as claimed in claim 1, it is characterised in that according to
The described account balance of clearing account, described credit amount and described debit amount described in described closed loop buffer queue calculate should
After the step of the clearing account remaining sum of clearing account, the method also includes:
Described clearing operation in described closed loop buffer queue is deleted from clearing operation buffer queue.
3. the clearing operation buffer queue match method of inter-bank payment system as claimed in claim 1, it is characterised in that current
The account balance that the described clearing operation of process is corresponding is less than debit amount.
4. the clearing operation buffer queue match method of inter-bank payment system as claimed in claim 1, it is characterised in that described
The credit account that in closed loop buffer queue, arbitrary clearing operation is corresponding is the debit that clearing operation adjacent with this clearing operation is corresponding
Account；And
The debit account that in described closed loop buffer queue, arbitrary clearing operation is corresponding is clearing operation pair adjacent with this clearing operation
The credit account answered.
5. the clearing operation buffer queue match method of inter-bank payment system as claimed in claim 4, it is characterised in that ought
When the described clearing operation of pre-treatment and the described clearing operation chosen form closed loop buffer queue, the number of the clearing account of use
Measure minimum.
6. the clearing operation buffer queue match method of inter-bank payment system as claimed in claim 1, it is characterised in that according to
The described account balance of clearing account, described credit amount and described debit amount described in described closed loop buffer queue calculate should
The step of the clearing account remaining sum of clearing account, specifically includes:
After the described account balance cleared account described in described closed loop buffer queue and the summation of described credit amount, deduct this
The described debit amount of clearing account obtains the clearing account remaining sum of this clearing account.
7. the clearing operation buffer queue of an inter-bank payment system brings device together, it is characterised in that this device includes:
Choose unit, for choosing clearing operation according to currently processed clearing operation from clearing operation buffer queue；
Closed loop component units, for according to the debtor-creditor relationship between described clearing account by currently processed described clearing operation and
The described clearing operation composition closed loop buffer queue chosen, wherein, the account of clearing account described in described closed loop buffer queue
Remaining sum and credit amount sum are not less than debit amount；And
Computing unit, for according to the described account balance of clearing account described in described closed loop buffer queue, described credit gold
Volume and described debit amount calculate the clearing account remaining sum of this clearing account.
8. the clearing operation buffer queue of inter-bank payment system as claimed in claim 7 brings device together, it is characterised in that this dress
Put and also include:
Delete unit, for being deleted from clearing operation buffer queue by the described clearing operation in described closed loop buffer queue.
9. the clearing operation buffer queue of inter-bank payment system as claimed in claim 7 brings device together, it is characterised in that described
The credit account that in closed loop buffer queue, arbitrary clearing operation is corresponding is the debit that clearing operation adjacent with this clearing operation is corresponding
Account；And
The debit account that in described closed loop buffer queue, arbitrary clearing operation is corresponding is clearing operation pair adjacent with this clearing operation
The credit account answered.
10. the clearing operation buffer queue of inter-bank payment system as claimed in claim 9 brings device together, it is characterised in that will
When currently processed described clearing operation and the described clearing operation chosen form closed loop buffer queue, the clearing account of use
Minimum number.
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| CN201610424288.4A CN106127569A (en) | 2016-06-15 | 2016-06-15 | The clearing operation buffer queue match method of inter-bank payment system and device |
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| CN201610424288.4A CN106127569A (en) | 2016-06-15 | 2016-06-15 | The clearing operation buffer queue match method of inter-bank payment system and device |
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| CN111580982B (en) * | 2019-07-31 | 2022-02-22 | 创新先进技术有限公司 | Method, apparatus, device and medium for detecting deadlock in real-time full settlement system |
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