CN107169749B - Network payment reconciliation method and system - Google Patents
Network payment reconciliation method and system Download PDFInfo
- Publication number
- CN107169749B CN107169749B CN201710213922.4A CN201710213922A CN107169749B CN 107169749 B CN107169749 B CN 107169749B CN 201710213922 A CN201710213922 A CN 201710213922A CN 107169749 B CN107169749 B CN 107169749B
- Authority
- CN
- China
- Prior art keywords
- reconciliation
- transaction
- period
- network payment
- preset time
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention provides a network payment reconciliation method and a system, wherein the method comprises the following steps: step 1, a network payment transaction participant freely sets a reconciliation period of the participant according to a selectable reconciliation interval time; step 2, the clearing organization confirms the reconciliation period freely set in the step one and generates reconciliation files of all transaction batches in the previous preset time period in a preset time period; step 3, the clearing organization summarizes all account checking files according to the account checking period set by the transaction participant and places the account checking files in corresponding server folders established for the transaction participant; and 4, the transaction participant acquires the reconciliation file corresponding to the transaction participant. The invention processes the account checking data in batches and in different nodes, thereby improving the transaction processing timeliness and shortening the period of account checking, so that the network payment transaction participant can independently define the account checking period to carry out account checking.
Description
Technical Field
The invention relates to the technical field of payment, in particular to a network payment reconciliation method and a network payment reconciliation system.
Background
The network payment service means that a payee or a payer remotely initiates a payment instruction by relying on a public network information system through electronic equipment such as a computer, a mobile terminal and the like, the electronic equipment of the payer does not interact with special equipment of the payee, and a payment mechanism provides money and fund transfer service for the payee. With the explosion of payment services, especially electronic commerce, network payment is widely known and applied to all aspects of business and people's lives.
At present, the main form of providing the financial checking of the payment end merchant, the bank and the third-party payment mechanism is to perform all financial checking of the previous working day or the previous natural day on the second working day or the natural day after the transaction is completed, the time interval of the account checking is one day, and the payment mechanism and the bank participating in the transaction can only obtain the final state and the fund settlement result of the transaction of the previous day on the second day. As shown in fig. 1, the specific process is as follows:
step 101: the payment mechanism 11 initiates a network payment transaction.
Step 102: the clearing organization (e.g. union of bank 12 in china) forwards to the bank 13.
Step 103: the bank 13 feeds back the transaction result to the union of bank 12 and performs financial processing.
Step 104: the Unionpay 12 forwards the transaction results to the payment institution 11, and the payment institution 11 displays the transaction results.
Step 105: and starting the fund clearing after the time of day and day of the Unionpay 12 to finish the fund clearing.
Step 106: the Union pay 12 issues a transaction reconciliation document to the bank 13 and the payment institution 11 participating in the transaction on a second weekday or nature day.
The bank 13 and the payment institution 11 then receive the reconciliation document, check the transaction status, and redeem the funds.
In the above process, the payment institution can check the transaction and exchange the fund only after a working day after the transaction is completed or after a few natural days (holidays are met). The processing timeliness of the whole transaction is prolonged, and the processing difficulty of the system is increased when the transaction is in a peak period.
Disclosure of Invention
The invention aims to provide a network payment reconciliation method and a network payment reconciliation system, which are used for solving the problems of long time-efficiency of transaction checking and fund blending treatment in the prior art and the like.
In order to solve the above problems, the present invention provides the following technical solutions:
a network payment reconciliation method comprising the steps of: step 1, a network payment transaction participant freely sets a reconciliation period of the participant according to a selectable reconciliation interval time; step 2, the clearing organization confirms the reconciliation period freely set in the step one and generates reconciliation files of all transaction batches in the previous preset time period in a preset time period; step 3, the clearing organization summarizes all account checking files according to the account checking period set by the transaction participant and places the account checking files in corresponding server folders established for the transaction participant; and 4, the transaction participant acquires the reconciliation file corresponding to the transaction participant.
On the other hand, the invention also provides the following technical scheme:
a network payment reconciliation system comprising: the system comprises a plurality of first clients, a plurality of second clients and a plurality of second clients, wherein the first clients are used for initiating transaction requests, reconciliation requests and setting a reconciliation period; the second client is used for acquiring the transaction data of the first client, responding to various requests of the first client and generating reconciliation files of all transaction batches in a previous preset time period in a preset time period; and the server is in communication connection with the first client and the second client and is used for storing the reconciliation file generated by the second client so as to be accessed by the first client.
Analysis shows that the accounting data is processed in batches and in nodes, so that the transaction processing time can be prolonged, the accounting checking period can be shortened, and the accounting checking period can be defined by network payment transaction participants independently.
Drawings
FIG. 1 is a prior art reconciliation flow chart;
FIG. 2 is a functional schematic of an embodiment of the system of the present invention;
FIG. 3 is a flow chart of an embodiment of the method of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and specific embodiments.
Fig. 2 shows an embodiment of the network payment reconciliation system provided by the invention, and it should be understood that, at present, there is more than one participant (except for clearing organization) participating in the network payment transaction, so in fig. 2, the first client is a plurality, including more than one payment mechanism 21 and more than one bank 23; the second client is typically a web site 22, for example, as a clearing organization. Each client is communicatively connected to the server 20, and as the cloud technology is mature, the server 20 is not limited to a stand-alone device, and may be a combination of one or more devices.
In particular, the payment mechanism 21, the bank 23 may be used to initiate a transaction request, a reconciliation request and to set a reconciliation period. For example, the payment means 21 sets a reconciliation period of 12 hours, and the bank 23 sets a reconciliation period of 1 hour. The internet 22 obtains transaction data from the payment mechanism 21 and the bank 23 and responds to various requests from both, such as the aforementioned request to reset the reconciliation period. Meanwhile, reconciliation files of all transaction batches in the last preset time period are generated within a preset time period (for example, 1 hour) and stored to the server 20. The server 20 stores the reconciliation file generated by the internet connection 22 for the payment mechanism 21 and the bank 23 to access according to the agreed network path.
In further detail, the system embodiment shown in fig. 2 may operate according to the flow shown in fig. 3, and the steps are as follows:
at step 201, the payment mechanism 21 initiates a transaction request to the internet connection 22.
The internet 22 forwards the transaction request to the bank 23, step 202.
At step 203, the bank 23 processes the transaction request, completes (or does not complete), and feeds back the transaction result to the internet 22.
At step 204, the internet connection 22 forwards the transaction result to the payment mechanism 21.
The above steps are similar to the existing operation flow. In order to enable the payment mechanism 21 and the bank 23 to know the accounting data thereof in time and complete the accounting adjustment quickly, the network payment transaction participants, such as the payment mechanism 21 and the bank 23, may freely set the reconciliation period of the participants according to a selectable reconciliation interval time at any time, for example, set the reconciliation period to 1 hour, 3 hours or 6 hours. The payment mechanism 21 and the bank 23 send the reconciliation period adjustment request to the internet connection 22, and the internet connection 22 confirms the freely set reconciliation period, so that the new reconciliation period can be immediately effective, can be effective in the next reconciliation period, and can be effective in the next natural day. And pay for the following steps:
in step 205, the internet link 22 generates reconciliation files of all transaction batches in the last preset time period within a preset time period, for example, generating reconciliation files in the last 1 hour within 1 hour, including but not limited to transaction summary files and transaction detail files. The internet connection 22 summarizes all the reconciliation files according to the reconciliation period set by the payment mechanism 21 and the bank 23, and places the reconciliation files in corresponding server folders established for the transaction participants on the server 20.
At step 206/207, the payment mechanism 21 and the bank 23 acquire the reconciliation document corresponding thereto. Preferably, the payment mechanism 21 and the bank 23 acquire the reconciliation file through an agreed network access path to increase security.
And the process is circulated.
To make the reconciliation data accurate, the selectable reconciliation interval time is provided by the network link 22. Preferably, the preset time period is one hour, and the reconciliation period is an integral multiple of the preset time period, for example, the payment mechanism 21 and the bank 23 set their reconciliation periods to be 3 hours, 6 hours, and the like.
In conclusion, the invention divides the account checking into parts and processes the parts in batches, thereby shortening the account checking period, having flexible and convenient account checking time, being capable of completing the account adjustment more quickly, accelerating the fund mobility and adapting to the vigorous development of the current electronic commerce.
It will be appreciated by those skilled in the art that the invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. The embodiments disclosed above are therefore to be considered in all respects as illustrative and not restrictive. All changes which come within the scope of or equivalence to the invention are intended to be embraced therein.
Claims (8)
1. A network payment reconciliation method is characterized by comprising the following steps:
step 1, a network payment transaction participant freely sets a reconciliation period of the participant according to a selectable reconciliation interval time;
step 2, the clearing organization confirms the reconciliation period freely set in the step one and generates reconciliation files of all transaction batches in the previous preset time period in a preset time period; the reconciliation period is an integral multiple of the preset time period;
step 3, the clearing organization summarizes all account checking files according to the account checking period set by the transaction participant and places the account checking files in corresponding server folders established for the transaction participant;
and 4, the transaction participant acquires the reconciliation file corresponding to the transaction participant.
2. The network payment reconciliation method of claim 1 wherein the selectable reconciliation interval time is provided by the clearing organization.
3. The network payment reconciliation method of claim 1 wherein in step 1, the freely set reconciliation period will take effect on the next natural day.
4. The network payment reconciliation method of claim 1 wherein the preset time period is one hour.
5. The network payment reconciliation method of claim 4 wherein the reconciliation period is 1 hour, 3 hours or 6 hours.
6. The network payment reconciliation method of claim 1 wherein in step 2, the reconciliation file comprises a transaction summary file and a transaction detail file.
7. The network payment reconciliation method of claim 1 wherein in step 4, the transaction participant acquires the reconciliation file through an agreed network access path.
8. A network payment reconciliation system comprising:
the system comprises a plurality of first clients, a plurality of second clients and a plurality of second clients, wherein the first clients are used for initiating transaction requests, reconciliation requests and setting a reconciliation period;
the second client is used for acquiring the transaction data of the first client, responding to various requests of the first client and generating reconciliation files of all transaction batches in a previous preset time period in a preset time period; the reconciliation period is an integral multiple of the preset time period;
and the server is in communication connection with the first client and the second client and is used for storing the reconciliation file generated by the second client so as to be accessed by the first client.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710213922.4A CN107169749B (en) | 2017-04-01 | 2017-04-01 | Network payment reconciliation method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710213922.4A CN107169749B (en) | 2017-04-01 | 2017-04-01 | Network payment reconciliation method and system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN107169749A CN107169749A (en) | 2017-09-15 |
| CN107169749B true CN107169749B (en) | 2021-10-15 |
Family
ID=59849813
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710213922.4A Active CN107169749B (en) | 2017-04-01 | 2017-04-01 | Network payment reconciliation method and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107169749B (en) |
Families Citing this family (18)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107862593A (en) * | 2017-10-24 | 2018-03-30 | 广东康美通信息服务有限公司 | A kind of data settle accounts calculation method, electronic equipment and storage medium |
| CN108416580A (en) * | 2018-03-09 | 2018-08-17 | 万帮充电设备有限公司 | Account checking method, account checking apparatus and electronic equipment |
| CN108876570B (en) * | 2018-04-24 | 2023-04-07 | 平安科技（深圳）有限公司 | Electronic device, method for processing abnormal fund problem and storage medium |
| CN109729023B (en) * | 2018-05-14 | 2021-09-03 | 网联清算有限公司 | Transaction data transmission method and device |
| CN112215691A (en) * | 2018-05-14 | 2021-01-12 | 网联清算有限公司 | Clearing and reconciliation method and device and computer equipment |
| CN109727012A (en) * | 2018-09-13 | 2019-05-07 | 网联清算有限公司 | Error handling system and method |
| CN109636586B (en) * | 2018-11-29 | 2020-08-28 | 中国人民银行清算总中心 | Distributed internet bank system and control method |
| CN109615508A (en) * | 2018-11-29 | 2019-04-12 | 中国人民银行清算总中心 | Data summarization checking method and subsystem for internet banking system |
| CN110046877B (en) * | 2018-11-30 | 2023-09-29 | 创新先进技术有限公司 | Account checking method and device and server |
| CN109741037A (en) * | 2018-12-17 | 2019-05-10 | 银联商务股份有限公司 | Method of payment and device |
| CN110390586A (en) * | 2019-07-23 | 2019-10-29 | 中国工商银行股份有限公司 | Account checking method, device and server |
| CN110689416A (en) * | 2019-09-03 | 2020-01-14 | 京东数字科技控股有限公司 | Accounting data processing method and device, electronic equipment and storage medium |
| CN110852747B (en) * | 2019-10-31 | 2022-03-18 | 支付宝(杭州)信息技术有限公司 | Order reconciliation system, method and device |
| CN111222972A (en) * | 2019-12-31 | 2020-06-02 | 网联清算有限公司 | Account checking and clearing method and device |
| CN111275423B (en) * | 2020-01-16 | 2022-08-09 | 福建省农村信用社联合社 | Third-party base account balance monitoring reconciliation method |
| CN113554509B (en) * | 2021-07-29 | 2023-02-17 | 上海浦东发展银行股份有限公司 | Processing method, device, medium and electronic equipment for online payment service |
| CN113610619A (en) * | 2021-08-24 | 2021-11-05 | 中电金信软件有限公司 | Account checking method, account checking device, account checking equipment and storage medium |
| CN114820197A (en) * | 2022-06-28 | 2022-07-29 | 天津金城银行股份有限公司 | Financial business processing system and financial business system |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1454364A (en) * | 2000-06-22 | 2003-11-05 | Jp莫根大通银行 | Method and system for processing Internet payments |
| CN106327317A (en) * | 2015-06-16 | 2017-01-11 | 阿里巴巴集团控股有限公司 | Data verification method and device used for computer system |
Family Cites Families (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO1999044165A1 (en) * | 1998-02-25 | 1999-09-02 | E-Lysium Transaction Systems Inc. | Electronic commerce methods and apparatus |
| US8831976B2 (en) * | 2009-01-22 | 2014-09-09 | Maritz Holdings Inc. | System and method for transacting purchases with a cash vendor using points and a virtual credit card |
| CN103077464A (en) * | 2012-10-10 | 2013-05-01 | 国网电力科学研究院 | Cross-regional operation clearing and settling method of electric car |
| CN103413216B (en) * | 2013-05-16 | 2018-02-09 | 深圳市淘淘谷信息技术有限公司 | A kind of more account management methods of payment |
| CN105405007A (en) * | 2015-11-19 | 2016-03-16 | 成都连银信息技术有限公司 | Unified account processing system supporting multiple types of payment channels |
| CN105335521A (en) * | 2015-11-25 | 2016-02-17 | 中国建设银行股份有限公司 | Order data processing method and device for electronic mall |
-
2017
- 2017-04-01 CN CN201710213922.4A patent/CN107169749B/en active Active
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1454364A (en) * | 2000-06-22 | 2003-11-05 | Jp莫根大通银行 | Method and system for processing Internet payments |
| CN106327317A (en) * | 2015-06-16 | 2017-01-11 | 阿里巴巴集团控股有限公司 | Data verification method and device used for computer system |
Non-Patent Citations (2)
| Title |
|---|
| "资金管理系统建设研究与应用";卞建玲 等;《中国高新技术企业》;20161213(第35期);第18-20页 * |
| "银企集中对账系统的设计与实现";崔凉 等;《中国金融电脑》;20171015(第10期);第55-57页 * |
Also Published As
| Publication number | Publication date |
|---|---|
| CN107169749A (en) | 2017-09-15 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN107169749B (en) | Network payment reconciliation method and system | |
| US10304127B2 (en) | Communication device including multi-part alias identifier | |
| US20180075421A1 (en) | Loan processing service utilizing a distributed ledger digital asset as collateral | |
| CN108009808B (en) | Function expansion method and device for group account | |
| US9123033B2 (en) | Receipt processing and access service | |
| KR20170142831A (en) | Method and server for providing dutch pay information | |
| US20230325794A1 (en) | Method, Apparatus And Computer Readable Storage To Effectuate An Instantaneous Monetary Transfer | |
| US9508057B2 (en) | Automatically updating account information | |
| CN110599323A (en) | Resource processing method and processing equipment | |
| WO2020220746A1 (en) | Block chain-based settlement method and apparatus, and electronic device | |
| WO2020088175A1 (en) | Transaction method and device for business account | |
| US20150039498A1 (en) | Biller-initiated electronic billing activation | |
| US20230237462A1 (en) | Context-aware peer-to-peer transfers of items | |
| US20190147416A1 (en) | System and method for facilitating mobile payments via mobile messaging | |
| CN104766202B (en) | Payment system, method of payment and information checking method | |
| CN102609836A (en) | Match code checking payment system and match code checking payment method | |
| KR102546892B1 (en) | Current exchange service providng method and apparatus for performing the method | |
| CN111539826A (en) | Bill transaction platform and method | |
| GB2517994A (en) | Electronic transaction method | |
| WO2019025868A1 (en) | System and method for providing secured services | |
| CA3063551C (en) | Data processing method and system for substituted issuing of electronic certificate, and money management server | |
| US20190213574A1 (en) | Prepaid multinational program | |
| CN117151702B (en) | Cross-system payment method and system based on money-based fund real-time transfer | |
| US20240029061A1 (en) | Systems and methods for transacting over a network | |
| KR20180094302A (en) | Online remittance and payment system using AliPay |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20180621 Address after: 100032 Room 101, 3 building, 29 hospital, Middle Road, North Third Ring Road, Xicheng District, Beijing. Applicant after: Net liquidation limited company Address before: 100085 Haidian District information Road No. 28 C, Beijing Applicant before: Beijing wonder Technology Co., Ltd. |
|
| TA01 | Transfer of patent application right | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant | ||
| CP02 | Change in the address of a patent holder |
Address after: 100045 21 / F, building 7, yard 1, Yuetan South Street, Xicheng District, Beijing Patentee after: NETSUNION CLEARING Corp. Address before: 100032 Room 101, 3 building, 29 hospital, Middle Road, North Third Ring Road, Xicheng District, Beijing. Patentee before: NETSUNION CLEARING Corp. |
|
| CP02 | Change in the address of a patent holder |