Network payment account checking method and system
Technical field
The present invention relates to payment technology field, more particularly to a kind of network payment account checking method and system.
Background technology
Network payment business, refers to that payee or requestee, by electronic equipments such as computer, mobile terminals, rely on public
Network information system remotely initiates payment instruction, and requestee's electronic equipment is not interacted with the specific exclusive equipment of payee, by propping up
Pay the activity that mechanism provides money-capital transfer service for payee.With flourishing for payment transaction, especially electronics business
That is engaged in flourishes, and network payment is widely big well known, and applies to business and each side of people's life.
It is at present to complete there is provided payment terminals trade company or bank, the principal mode of the account verification of Third-party payment mechanism
Second working day or consecutive days after transaction carry out all accounts verification of previous working day or consecutive days, reconciliation interval time
For one day, the bank that payment mechanism and transaction are participated in can only can all obtain the end-state and fund of the previous day transaction at second day
Clear result.Such as Fig. 1, specific flow is:
Step 101:Payment mechanism 11 initiates a network payment transaction.
Step 102:Clearing organization (such as Chinese Unionpay 12) is forwarded to bank 13.
Step 103:The feedback trading result of bank 13 carries out fund account processing to Unionpay 12.
Step 104:Transaction results are forwarded payment mechanism 11 by Unionpay 12, and payment mechanism 11 shows transaction results.
Step 105:Starting fund after light cuts the time of Unionpay 12 is cleared, and completes fund clearing.
Step 106:Unionpay 12 is second working day or issues transaction reconciliation file consecutive days to the bank participated in business
13 and payment mechanism 11.
Then, bank 13 and payment mechanism 11 receive reconciliation file, check stateful transaction, blend fund.
In above-mentioned flow, (section is run into after the working day of payment mechanism after completion of transactions or after several consecutive days
Holiday) it can just be traded to check and be blent with fund.The processing timeliness of whole transaction has been elongated, when transaction peak period, has been added
The intractability of system.
The content of the invention
It is an object of the invention to provide a kind of network payment account checking method and system, to solve the friendship of prior art presence
Easily verification and fund blend the problems such as processing timeliness is long.
In order to solve the above problems, the present invention provides following technical scheme:
A kind of network payment account checking method, it comprises the following steps:Step 1, network payment transaction participant can according to one
The reconciliation interval time of selection freely sets the reconciliation cycle of this participant;Step 2, freely set in clearing organization's verification step one
The reconciliation cycle put, and in a preset time period in generation in a preset time period All Activity batch reconciliation file;Step
Rapid 3, the reconciliation cycle that the clearing organization sets according to transaction participant collects all reconciliation files, and reconciliation file is placed
In the corresponding server file set up for transaction participant;Step 4, transaction participant obtains corresponding reconciliation file.
On the other hand, the present invention also provides following technical scheme:
A kind of network payment reconciliation system, it includes:Multiple first clients, for initiating transaction request, reconciliation request
With the setting reconciliation cycle;Second client, for obtaining the transaction data of first client, and responds first client
All kinds of requests at end, generate the reconciliation file of All Activity batch in a preset time period in a preset time period;Service
Device, is connected with first client, the second client communication, the reconciliation text for storing the second client generation
Part, so that first client is accessed.
Analysis understands that partial node is handled the present invention in batches to reconciliation data, and trading processing timeliness can be improved whereby, is shortened
The cycle of account verification so that the definition reconciliation cycle that network payment transaction participant can be autonomous carries out account verification.
Brief description of the drawings
Fig. 1 is the reconciliation flow chart of prior art;
Fig. 2 is the schematic diagram of the function of present system embodiment;
Fig. 3 is the flow chart of the inventive method embodiment.
Embodiment
The present invention is described in further details with reference to the accompanying drawings and detailed description.
Fig. 2 shows a kind of network payment reconciliation system embodiment that the present invention is provided, it will be appreciated that currently participate in network
Therefore, in fig. 2, the first client is multiple to the participant of payment transaction all more than one (clearing organization's exception), including not
Only payment mechanism 21, a more than one bank 23;Second client is generally one, for example, join as the net of clearing organization
22.Each client is communicated to connect with server 20, cloud already it is ripe instantly, server 20 is not limited to one
Autonomous device, can be the combination of one or more equipment.
Specifically, payment mechanism 21, bank 23 may be used to initiate transaction request, reconciliation request and set reconciliation week
Phase.The reconciliation cycle that for example payment mechanism 21 is set is 12 hours, and the reconciliation cycle that bank 23 is set is 1 hour.Net connection
22 obtain payment mechanism 21, the transaction data of bank 23, and respond all kinds of requests of the two, and example resets reconciliation as the aforementioned
The request in cycle.Meanwhile, the All Activity batch in the upper preset time period of generation in a preset time period (such as 1 hour)
Reconciliation file, and store to server 20.Server 20 stores the reconciliation file of the generation of net connection 22, for payment mechanism 21, silver
Row 23 is accessed according to agreement network path.
Further specifically, system shown in Figure 2 embodiment can be according to process flow operation shown in Fig. 3, and step is as follows:
Step 201, payment mechanism 21 initiates transaction request to net connection 22.
Step 202, the transaction request is forwarded to bank 23 by net connection 22.
Step 203, bank 23 handles the transaction request, completes (or not completing), and transaction results are fed back into net connection 22.
Step 204, net joins 22 transmitted transaction results to payment mechanism 21.
Above steps is similar to currently running flow.In order to make payment mechanism 21, bank 23 understand it in time
Accounting data, is rapidly completed accounting affairs adjustment, the network payment transaction participant of the application, and such as payment mechanism 21, bank 23 can
At any time, the reconciliation cycle of this participant is freely set according to a selectable reconciliation interval time, such as by reconciliation
Cycle is set to 1 hour, 3 hours or 6 hours.Payment mechanism 21, bank 23, which send reconciliation period modulation request to net, to be joined
22, net connection 22 confirms the reconciliation cycle freely set, and the new reconciliation cycle can come into force, can also be in next reconciliation cycle
Come into force, can also be come into force in next consecutive days.And pay following step:
Step 205, net connection 22 generates the reconciliation of All Activity batch in a preset time period in a preset time period
File, such as all reconciliation files in 1 hour in generation in 1 hour, summary file of including but not limited to merchandising, transaction are bright
Thin file.The reconciliation cycles that net connection 22 is set according to payment mechanism 21, bank 23 collect all reconciliation files, and by reconciliation file
Place the corresponding server file set up on server 20 for transaction participant.
Step 206/207, payment mechanism 21, bank 23 obtain corresponding reconciliation file.Preferably, payment mechanism
21st, bank 23 obtains reconciliation file by the network access path of agreement, to increase security.
So circulation.
In order that obtaining, reconciliation data are accurate, and above-mentioned selectable reconciliation interval time is provided by net connection 22.Preferably, it is above-mentioned
Preset time period is a hour, and the reconciliation cycle is the integral multiple of preset time period, and such as payment mechanism 21, bank 23 set it
The reconciliation cycle is 3 hours, 6 hours etc..
To sum up, the present invention breaks the whole up into parts account verification, and partial node is handled in batches, shortens the reconciliation cycle whereby, during reconciliation
Between it is flexible, can faster complete accounting affairs adjustment, accelerate financial liquidity, adapt to the flourishing hair of current E-commerce
Exhibition.
As known by the technical knowledge, the present invention can be by the embodiment party of other essence or essential feature without departing from its spirit
Case is realized.Therefore, embodiment disclosed above, for each side, is all merely illustrative, and is not only.Institute
Have within the scope of the present invention or be included in the invention in the change being equal in the scope of the present invention.