CN107944849A - Credit comes account processing method, device and computer-readable recording medium - Google Patents
Credit comes account processing method, device and computer-readable recording medium Download PDFInfo
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- CN107944849A CN107944849A CN201711042025.8A CN201711042025A CN107944849A CN 107944849 A CN107944849 A CN 107944849A CN 201711042025 A CN201711042025 A CN 201711042025A CN 107944849 A CN107944849 A CN 107944849A
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- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- 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
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- 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
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Abstract
The invention discloses a kind of credit to come account processing method, device and computer-readable recording medium, and credit, which carrys out account processing method, to be included：Receive pay path send checking command, detect the corresponding shroff account number of the checking command whether be rear end Accounting system account；If the corresponding shroff account number of the checking command is the account of rear end Accounting system, detect whether the shroff account number is effective account；If the shroff account number is effective account, receives the credit that the payment path is sent and carry out account instruction, renewal account flowing water is instructed come account according to the credit；The credit is come account instruction to send to the rear end Accounting system.By the present invention, for each difference for paying path and shielding each rear end Accounting system so that each path that pays need not dock each rear end Accounting system, eliminate the overlapping development and test of each payment path, save system reform cost.
Description
Technical field
The present invention relates to e-payment technical field, more particularly to credit comes account processing method, device and computer-readable
Storage medium.
Background technology
With the gradual popularization of internet, e-payment grows up therewith.In numerous business of e-payment, when having
Business scenario needs payment channel (big small amount, super net, depth are with city etc.) to support that (cash in banks account is divided into substantially non-savings account
Savings account, general savings account, interim savings account and special deposit account, non-savings account, which then refers to, is not belonging to these four accounts
The bank account at family) he manage it credit come account transaction when, then need to transform existing payment system.In such case
Under, since bank is there are multiple account core systems, and each account core system has differences, if each paying path needs
Each account core system is docked, it will cause the overlapping development and test of each payment path.
The content of the invention
It is a primary object of the present invention to provide a kind of credit to come account processing method, device and computer-readable storage medium
Matter, it is intended to solve each to pay path in the prior art when docking multiple account core systems, it is necessary to overlapping development and test
Technical problem.
To achieve the above object, a kind of credit of present invention offer carrys out account processing method, and the credit carrys out account processing method bag
Include：
Receive and pay the checking command that path is sent, detect whether the corresponding shroff account number of the checking command is rear end account
The account of family system；
If the corresponding shroff account number of the checking command is the account of rear end Accounting system, detecting the shroff account number is
No is effective account；
If the shroff account number is effective account, receives the credit that the payment path is sent and carry out account instruction, according to institute
State credit and carry out account instruction renewal account flowing water；
The credit is come account instruction to send to the rear end Accounting system.
Optionally, whether the detection shroff account number is that effective account includes：
Verification request is sent to the corresponding rear end Accounting system of the shroff account number, so that the rear end Accounting system verifies
Book keeping operation processing can be carried out to the shroff account number；
When the feedback information for receiving the processing that can carry out keeping accounts to the shroff account number that the rear end Accounting system is sent
When, it is effective account to confirm the shroff account number.
Optionally, the credit is carried out account processing method and is further included：
When receiving the reconciliation file for paying path transmission, the reconciliation file and current account flowing water are subjected to core
It is right, detect whether that there are missing data；
If there are missing data, rear end Accounting system corresponding to the missing data is reissued into the missing data.
Optionally, the credit is carried out account processing method and is further included：
When in preset time point, the account of each rear end Accounting system is generated according to the account flowing water of current point in time
File；
By the account file push of each rear end Accounting system to corresponding rear end Accounting system.
Optionally, verification request to the corresponding rear end Accounting system of the shroff account number that sends includes：
The routing iinformation of the corresponding rear end Accounting system of the shroff account number is obtained, according to the routing iinformation, will be verified
Request is sent to the rear end Accounting system.
Optionally, it is described when receive that the rear end Accounting system sends can carry out book keeping operation processing to the shroff account number
Feedback information when, receive it is described pay path send credit come account instruction include：
When the feedback information for receiving the processing that can carry out keeping accounts to the shroff account number that the rear end Accounting system is sent
When, Notice Of Transactions is sent to the payment path, so that the payment path sends credit after the Notice Of Transactions is received
Carry out account instruction；
Receive the credit that the payment path is sent and carry out account instruction.
Optionally, it is described to include after account instruction is sent to the rear end Accounting system by the credit：
If not receiving the successful reception credit that the rear end Accounting system is sent in preset time carrys out account instruction
Confirmation feedback, then resend the credit come account instruction.
In addition, to achieve the above object, the present invention also provides a kind of credit to carry out account processing unit, and the credit carrys out account processing
Device includes：Memory, processor and it is stored in the credit that can be run on the memory and on the processor and comes at account
Program is managed, the credit is realized that credit as described above carrys out account processing method when account processing routine is performed by the processor
Step.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer-readable recording medium
Credit is stored with storage medium and carrys out account processing routine, the credit is realized as above institute when account processing routine is executed by processor
The credit stated carrys out the step of account processing method.
In the present invention, when receiving the checking command for paying path transmission, the corresponding gathering account of the checking command is detected
Number whether be rear end Accounting system account, when the corresponding shroff account number of the checking command be rear end Accounting system account when,
Verification request is sent to the corresponding rear end Accounting system of the shroff account number, so that can the verification of rear end Accounting system to the gathering account
Number book keeping operation processing is carried out, when rear end Accounting system can carry out the shroff account number book keeping operation processing, receive payment path transmission
Credit carry out account instruction, renewal account flowing water is instructed come account according to credit, and the credit is carried out into account instruction and is sent to after corresponding
Hold Accounting system.By the present invention, for each difference for paying path and shielding each rear end Accounting system so that each to pay
Path need not dock each rear end Accounting system, eliminate the overlapping development and test of each payment path, and the system of saving changes
Cause this；For each rear end Accounting system provide unified he manage it is standby come account keep accounts function, reduce newly-increased payment channel pair
The influence of each rear end Accounting system.
Brief description of the drawings
Fig. 1 is that the credit for the hardware running environment that the embodiment of the present invention is related to carrys out account processing device structure diagram；
Fig. 2 is the flow diagram that credit of the present invention carrys out account processing method first embodiment；
Fig. 3 carrys out the configuration diagram of one embodiment of account processing method for credit；
Fig. 4 carrys out the normal flow sequence diagram of one embodiment of account processing method for credit；
Fig. 5 carrys out the failure procedures sequence diagram of one embodiment of account processing method for credit.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
As shown in Figure 1, the credit for the hardware running environment that Fig. 1, which is the embodiment of the present invention, to be related to carrys out account processing unit knot
Structure schematic diagram.
Terminal of the embodiment of the present invention can be PC, can also server, pocket computer etc. there is certain calculate to handle energy
The terminal device of power.
It can include as shown in Figure 1, the credit carrys out account processing unit：Processor 1001, such as CPU, network interface 1004,
User interface 1003, memory 1005, communication bus 1002.Wherein, communication bus 1002 is used for realization between these components
Connection communication.User interface 1003 can include display screen (Display), input unit such as keyboard (Keyboard), optional
User interface 1003 can also include standard wireline interface and wireless interface.Network interface 1004 can optionally include standard
Wireline interface, wave point (such as WI-FI interfaces).Memory 1005 can be high-speed RAM memory or stabilization
Memory (non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of foregoing
The storage device of processor 1001.
Do not formed to credit it will be understood by those skilled in the art that the credit shown in Fig. 1 carrys out account processing unit structure
Carry out the restriction of account processing unit, can include than illustrating more or fewer components, either combine some components or different
Component is arranged.
As shown in Figure 1, it can lead to as in a kind of memory 1005 of computer-readable storage medium including operating system, network
Letter module, Subscriber Interface Module SIM and credit carry out account processing routine.
Come in the credit shown in Fig. 1 in account processing unit, network interface 1004 is mainly used for connecting background server, and rear
Platform server is into row data communication；User interface 1003 is mainly used for connecting client (user terminal), and data are carried out with client
Communication；And processor 1001 can be used for calling the credit stored in memory 1005 to carry out account processing routine, and perform following behaviour
Make：
Receive and pay the checking command that path is sent, detect whether the corresponding shroff account number of the checking command is rear end account
The account of family system；
If the corresponding shroff account number of the checking command is the account of rear end Accounting system, detecting the shroff account number is
No is effective account；
If the shroff account number is effective account, receives the credit that the payment path is sent and carry out account instruction, according to institute
State credit and carry out account instruction renewal account flowing water；
The credit is come account instruction to send to the rear end Accounting system.
Further, whether the detection shroff account number is that effective account includes：
Verification request is sent to the corresponding rear end Accounting system of the shroff account number, so that the rear end Accounting system verifies
Book keeping operation processing can be carried out to the shroff account number；
When the feedback information for receiving the processing that can carry out keeping accounts to the shroff account number that the rear end Accounting system is sent
When, it is effective account to confirm the shroff account number.
Further, processor 1001 can call the credit stored in memory 1005 to carry out account processing routine, also perform
Operate below：
When receiving the reconciliation file for paying path transmission, the reconciliation file and current account flowing water are subjected to core
It is right, detect whether that there are missing data；
If there are missing data, rear end Accounting system corresponding to the missing data is reissued into the missing data.
Further, processor 1001 can call the credit stored in memory 1005 to carry out account processing routine, also perform
Operate below：
When in preset time point, the account of each rear end Accounting system is generated according to the account flowing water of current point in time
File；
By the account file push of each rear end Accounting system to corresponding rear end Accounting system.
Further, verification request to the corresponding rear end Accounting system of the shroff account number that sends includes：
The routing iinformation of the corresponding rear end Accounting system of the shroff account number is obtained, according to the routing iinformation, will be verified
Request is sent to the rear end Accounting system.
Further, it is described to receive being carried out to the shroff account number at book keeping operation for the rear end Accounting system transmission
During the feedback information of reason, the reception credit for paying path transmission, which carrys out account instruction, to be included：
When the feedback information for receiving the processing that can carry out keeping accounts to the shroff account number that the rear end Accounting system is sent
When, Notice Of Transactions is sent to the payment path, so that the payment path sends credit after the Notice Of Transactions is received
Carry out account instruction；
Receive the credit that the payment path is sent and carry out account instruction.
Further, processor 1001 can call the credit stored in memory 1005 to carry out account processing routine, also perform
Operate below：
If not receiving the successful reception credit that the rear end Accounting system is sent in preset time carrys out account instruction
Confirmation feedback, then resend the credit come account instruction.
With reference to Fig. 2, Fig. 2 is the flow diagram that credit of the present invention carrys out account processing method first embodiment.
In one embodiment, credit, which carrys out account processing method, includes：
Step S10, receives and pays the checking command that path is sent, whether detect the corresponding shroff account number of the checking command
For the account of rear end Accounting system；
In the present embodiment, paying path, (also known as small amount batch payment system, is the system of people's row construction including small amount system
One of, it is traded in the form of batch wraps, the working time accepts when being 24 small, and every row is small according to self-demand interval 2
When or 4 it is small when one packing make requests on transmission, so small amount system to the account time be uncertain.For small amount system
Transaction funds have transaction limits, and transaction amount must walk wholesale no more than 5w more than 5w), wholesale system (also known as wholesale
Real time payment system, and one of system of people's row construction, are merchandised using single.There is no ceiling restriction for transaction funds, appoint
The amount of money (being limited without the fund of 5w) of anticipating can use wholesale system to carry out funds transfer, and simply service charge is compared to for small amount
Can be slightly expensive, be arrive account in real time to the account time, the bank of support is also widest at present), super Internetbank (using single transaction,
Transaction amount is reached the standard grade exempts from service charge for 5w, curstomer-oriented, and the working time accomplishes that 7*24 runs without interruption, is currently fed super Internetbank
Bank occupy most of, substantially domestic big-and-middle small city firm adds super net system, but still has a small amount of tens
City firm does not open super Internetbank channel, thus at present we in daily life common fund transfer system all have can for pole from the background
The super Internetbank channel that can be walked, because arriving, account is fast, cost is low) etc..
In the present embodiment, when client by certain PayPal road direction I manage it account transfer when, pay path send verification first
Instruction carrys out account processing unit (can also claim " credit carrys out account processing platform ") to credit, and the letter of collecting account is contained in checking command
Breath, credit are come after account processing unit receives checking command, first verify that whether collecting account is that I manages it rear end Accounting system
Account, if so, then carry out step S20, if it is not, the prompting message of collecting account mistake is then fed back to paying path, or not
Respond.
Step S20, if the corresponding shroff account number of the checking command is the account of rear end Accounting system, detects the receipts
Whether money account is effective account；
In the present embodiment, when shroff account number is the account of one's own profession rear end Accounting system, for example, shroff account number is rear end account
The account of family system A, then obtain the routing iinformation of rear end Accounting system A.Then by the routing iinformation, verification request is sent
To rear end Accounting system A, book keeping operation processing can be carried out to the shroff account number so that rear end Accounting system A is examined, that is, verify the receipts
Whether money account is in normal condition, if the shroff account number is in normal condition, illustrates that rear end Accounting system A can be to the gathering
Account carries out book keeping operation processing, if the shroff account number is in abnormal state, such as the shroff account number is in frozen state, forbids handing over
Easy state etc., then Accounting system A in rear end cannot carry out book keeping operation processing to the shroff account number.
In the present embodiment, whether detection shroff account number is that effective account can also be：Rear end Accounting system is by effective account
List, which is sent to credit, carrys out account processing unit, and credit carrys out the detection of account processing unit and whether there is the gathering in effective account list
The information of account, if in the presence of the shroff account number is effective account, is invalid account otherwise.
Step S30, if the shroff account number is effective account, receives the credit that the payment path is sent and carrys out account and refer to
Order, renewal account flowing water is instructed according to the credit come account；
In the present embodiment, when shroff account number is effective account, such as when rear end account system carries out school to the shroff account number
After testing, which is in normal condition, and rear end Accounting system can carry out book keeping operation processing to the shroff account number, then rear end account
One feedback information can occur for system, which is used to show that rear end Accounting system can carry out at book keeping operation shroff account number
Reason.Credit carrys out account processing unit and receives the feedback information that book keeping operation processing can be carried out to shroff account number that rear end Accounting system is sent
Afterwards, Notice Of Transactions can be sent to path (i.e. the payment path that checking command is sent in step S10) is paid, path is paid and receive
After the Notice Of Transactions, credit is carried out into account instruction transmission to credit and carrys out account processing unit.Credit carrys out account processing unit and receives credit
After carrying out account instruction, which is carried out into account instruction and is updated in account flowing water.
Step S40, carrys out account instruction by the credit and sends to the rear end Accounting system.
In the present embodiment, credit come account processing unit receive credit come account instruction after, according to the rear end account system of acquisition
The routing iinformation of system, carrys out account instruction by credit and is forwarded to rear end Accounting system.
Carry out the configuration diagram of one embodiment of account processing method with reference to Fig. 3, Fig. 3 for credit.In figure after the super Internetbank in left side
Platform system, two pay out and pay a background system, deep to pay background system with city be each payment path, right side billing and accounting system 1, account
System 2, billing and accounting system 3 are each rear end Accounting system.In the present embodiment, pay path and only pass through verification in shroff account number
Afterwards, just send credit and carry out account instruction, improve the chance of success that processing credit carrys out account business, improve processing credit and carry out account business
Efficiency.
Carry out the normal flow sequence diagram of one embodiment of account processing method with reference to Fig. 4, Fig. 4 for credit.In the present embodiment, work as loan
When note carrys out the generation of account business, center notifies corresponding payment path first, pays path high-ranking officers and tests instruction and send to credit and carrys out account
Processing unit, credit are come after account processing unit receives checking command, detection check instruct corresponding collecting account whether be after
After holding the account of Accounting system, verification to pass through, can rear end Accounting system continues verification carry out book keeping operation processing to collecting account, when
When rear end account can carry out collecting account book keeping operation processing, information to the credit that feedback can carry out collecting account book keeping operation processing is come
Account processing unit, credit are come after account processing unit receives the feedback information, and notice, which pays path and sends credit, carrys out account instruction, when
Credit come account processing unit receive pay path send credit come account instruction after, by the credit come account instruction be forwarded to rear end
Accounting system.
Carry out the failure procedures sequence diagram of one embodiment of account processing method with reference to Fig. 5, Fig. 5 for credit.In the present embodiment, work as loan
When note carrys out the generation of account business, center notifies corresponding payment path first, pays path high-ranking officers and tests instruction and send to credit and carrys out account
Processing unit, credit are come after account processing unit receives checking command, detection check instruct corresponding collecting account whether be after
After holding the account of Accounting system, verification to pass through, can rear end Accounting system continues verification carry out book keeping operation processing to collecting account, when
When rear end account cannot carry out collecting account book keeping operation processing, the information that feedback cannot carry out collecting account book keeping operation processing is extremely borrowed
Note carrys out account processing unit, and credit is come after account processing unit receives the feedback information, and notice pays path and carrys out account to this credit
Business carries out rejection processing.
In the present embodiment, when receiving the checking command for paying path transmission, the corresponding gathering of the checking command is detected
Account whether be rear end Accounting system account, when the corresponding shroff account number of the checking command be rear end Accounting system account
When, verification request is sent to the corresponding rear end Accounting system of the shroff account number, so that can the verification of rear end Accounting system to the receipts
Money account carries out book keeping operation processing, when rear end Accounting system can carry out the shroff account number book keeping operation processing, receives the payment path
The credit of transmission carrys out account instruction, instructs renewal account flowing water according to credit come account, and the credit is come account instruction and is sent to correspondence
Rear end Accounting system.Through this embodiment, it is each difference for paying path and shielding each rear end Accounting system so that every
A payment path need not dock each rear end Accounting system, eliminate the overlapping development and test of each payment path, save
System reform cost；For each rear end Accounting system provide unified he manage it is standby come account keep accounts function, reduce newly-increased payment
Influence of the passage to each rear end Accounting system.
Further, credit of the present invention is come in one embodiment of account processing method, detects whether the shroff account number is effective
Account includes：
Verification request is sent to the corresponding rear end Accounting system of the shroff account number, so that the rear end Accounting system verifies
Book keeping operation processing can be carried out to the shroff account number；
When the feedback information for receiving the processing that can carry out keeping accounts to the shroff account number that the rear end Accounting system is sent
When, it is effective account to confirm the shroff account number.
In the present embodiment, when shroff account number is the account of one's own profession rear end Accounting system, for example, shroff account number is rear end account
The account of family system A, then obtain the routing iinformation of rear end Accounting system A.Then by the routing iinformation, verification request is sent
To rear end Accounting system A, book keeping operation processing can be carried out to the shroff account number so that rear end Accounting system A is examined, that is, verify the receipts
Whether money account is in normal condition, if the shroff account number is in normal condition, illustrates that rear end Accounting system A can be to the gathering
Account carries out book keeping operation processing, if the shroff account number is in abnormal state, such as the shroff account number is in frozen state, forbids handing over
Easy state etc., then Accounting system A in rear end cannot carry out book keeping operation processing to the shroff account number.
In the present embodiment, when the account that shroff account number is rear end Accounting system, and rear end Accounting system can be to the gathering account
When number carrying out book keeping operation processing, subsequent step is just carried out, improves and handles the success rate that credit carrys out account business.
Further, credit of the present invention is come in one embodiment of account processing method, and credit is carried out account processing method and further included：
When receiving the reconciliation file for paying path transmission, the reconciliation file and current account flowing water are subjected to core
It is right, detect whether that there are missing data；
If there are missing data, rear end Accounting system corresponding to the missing data is reissued into the missing data.
In the present embodiment, paying path has the working time section of oneself, such as it is 8 to pay path A working time sections:00
To 22:00.When some day for paying path A, such as after the working time of 2017.10.10 days, can be carried out with sidewalk
Reconciliation, after the completion of reconciliation, generates the reconciliation file of 2017.10.10.For example, the reconciliation file of the 2017.10.10 of generation is：To
Account a is transferred to 10000 yuan, and 15000 yuan are transferred to account b, and 12000 yuan are transferred to account c.Illustrate that paying path exists
2017.10.10 in this working day, have sent credit come account instruction a (being transferred to 10000 yuan to account a), credit come account instruction b
(being transferred to 15000 yuan to account b), credit carry out account instruction c (being transferred to 12000 yuan to account c) and carry out account processing unit to credit.
After credit, which carrys out account processing unit, receives the reconciliation file, obtaining current account flowing water, (account flowing water is by borrowing
Note carrys out the credit that account processing unit is transmitted across and carrys out account instruction composition), if the Transaction Information in reconciliation file is equal in account flowing water
On the books, then missing data is not present in explanation, if Transaction Information exists in reconciliation file, and is not present in account flowing water,
For example, there is " being transferred to 12000 yuan to account c " this Transaction Information in reconciliation file, and this is not present in account flowing water
Transaction Information, then explanation pays path and credit is come account instruction c sends to credit to carry out account processing unit, and credit carrys out account processing dress
Put not by credit come account instruction c send to corresponding rear end Accounting system (i.e. the corresponding rear end Accounting systems of account c), that is, exist
Missing data, then need by the credit come account instruction c reissue to corresponding rear end Accounting system.
In the present embodiment, due to reasons such as network failure or the system failures, in fact it could happen that credit is carried out account and referred to by payment path
Order, which is sent to credit, carrys out account processing unit, and credit carrys out account processing unit the credit received is not come account instruction to be forwarded to correspondence
Rear end Accounting system situation.Through this embodiment, path is paid after the completion of reconciliation, generates reconciliation file, credit carrys out account
Processing unit, which receives, pays the reconciliation file that path is sent, and reconciliation file and current account flowing water is contrasted, inspection is
The no credit that there is leakage hair carrys out account instruction, if being reissued in the presence of if, improves the serious forgiveness that credit carrys out account business processing, lifting processing is borrowed
Note carrys out the accuracy of account business.
Further, credit of the present invention is come in one embodiment of account processing method, and credit is carried out account processing method and further included：
When in preset time point, the account of each rear end Accounting system is generated according to the account flowing water of current point in time
File；
By the account file push of each rear end Accounting system to corresponding rear end Accounting system.
In the present embodiment, preset time point can be daily 4:00 AM (can be adjusted according to actual conditions), obtain and work as
The account flowing water at preceding time point, that is, obtain previous working day credit come the credit that account processing unit is transmitted across come account instruction composition
Account flowing water.For example, 2017.10.10 days 4 points of mornings, obtain 2017.10.09 days credits and come what account processing unit was transmitted across
Credit carrys out the account flowing water that account instruction forms：Credit carrys out account instruction a (being transferred to 10000 yuan to account a), credit carrys out account instruction b
(being transferred to 15000 yuan to account b), credit carry out account instruction c (being transferred to 12000 yuan to account c), wherein, credit is carried out account instruction a and is corresponded to
Rear end Accounting system A, credit carry out account instruction b opposite rear end Accounting system B, and credit carrys out account instruction c opposite rear end Accounting system C,
The account file of the rear end Accounting system A then generated carrys out the account text of account instruction a, the rear end Accounting system B of generation comprising credit
The account file that part comes account instruction b, the rear end Accounting system C of generation comprising credit carrys out account instruction c comprising credit, by each account
File is sent to corresponding rear end Accounting system.
In the present embodiment, in preset time point, each rear end Accounting system is generated according to the account flowing water of current point in time
Account file, each account file is sent to corresponding rear end Accounting system, so that each rear end Accounting system is according to connecing
Received account file carries out the functions such as Clearing, ensures that credit carrys out the accuracy of account business.
Further, credit of the present invention is come in one embodiment of account processing method, sends verification request to the shroff account number
Corresponding rear end Accounting system includes：
The routing iinformation of the corresponding rear end Accounting system of the shroff account number is obtained, according to the routing iinformation, will be verified
Request is sent to the rear end Accounting system.
In the present embodiment, according to the type of shroff account number, determine corresponding rear end Accounting system, then obtain the rear end account
The routing iinformation of family system, according to routing iinformation, verification request is sent to rear end Accounting system.
In the present embodiment, verification request is sent first, and only after shroff account number is by verification, just transmission credit is carried out account and referred to
Order, improves the chance of success that processing credit carrys out account business, improves the efficiency that processing credit carrys out account business.
Further, credit of the present invention is come in one embodiment of account processing method, is sent out when receiving the rear end Accounting system
When that send can carry out the shroff account number feedback information of book keeping operation processing, the reception credit for paying path transmission is carried out account and is referred to
Order includes：
When the feedback information for receiving the processing that can carry out keeping accounts to the shroff account number that the rear end Accounting system is sent
When, Notice Of Transactions is sent to the payment path, so that the payment path sends credit after the Notice Of Transactions is received
Carry out account instruction；
Receive the credit that the payment path is sent and carry out account instruction.
In the present embodiment, after rear end account system verifies the shroff account number, which is in normal shape
State, rear end Accounting system can carry out book keeping operation processing to the shroff account number, then a feedback information can occur for rear end Accounting system, should
Feedback information is used to show that rear end Accounting system can carry out book keeping operation processing to shroff account number.Credit is come after account processing unit receives
After the feedback information that book keeping operation processing can be carried out to shroff account number that end Accounting system is sent, Notice Of Transactions can be sent to paying path
(i.e. the payment path that checking command is sent in step S10), after payment path receives the Notice Of Transactions, carrys out account instruction by credit
Send to credit and carry out account processing unit.
In the present embodiment, only after shroff account number is by verification, just send credit and carry out account instruction, improve processing credit
Carry out the chance of success of account business, improve the efficiency that processing credit carrys out account business.
Further, credit of the present invention is come in one embodiment of account processing method, and the credit is come account instruction sends to institute
State rear end Accounting system includes afterwards：
If not receiving the successful reception credit that the rear end Accounting system is sent in preset time carrys out account instruction
Confirmation feedback, then resend the credit come account instruction.
In the present embodiment, rear end Accounting system be not successfully received credit come account instruction it may be the case that due to network therefore
The factors such as barrier, the system failure cause.For example, when credit come account processing unit send credit come account instruction after, start timing, example
Such as, timing time is 60s (time can be adjusted according to actual conditions), if in 60s, does not receive rear end Accounting system
The successful reception credit of transmission carrys out the confirmation feedback of account instruction, then illustrates that rear end Accounting system receives credit and carrys out account instruction time-out,
That is rear end Accounting system is not successfully received credit and carrys out account instruction, then credit carrys out account processing unit and resend the credit and carry out account to refer to
Order, until rear end Accounting system is properly received the credit and carrys out account instruction.
Through this embodiment, it is ensured that rear end Accounting system can be properly received credit and carry out account instruction, ensure that credit carrys out account business
Be successfully processed.
In addition, the embodiment of the present invention also proposes a kind of computer-readable recording medium, the computer-readable recording medium
On be stored with credit and carry out account processing routine, the credit is realized credit as described above when account processing routine is executed by processor
The step of carrying out account processing method.
The specific embodiment of computer-readable recording medium of the present invention carrys out each implementation of account processing method with above-mentioned credit
Example is essentially identical, and this will not be repeated here.
It should be noted that herein, term " comprising ", "comprising" or its any other variant are intended to non-row
His property includes, so that process, method, article or system including a series of elements not only include those key elements, and
And other elements that are not explicitly listed are further included, or further include as this process, method, article or system institute inherently
Key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including this
Also there are other identical element in the process of key element, method, article or system.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme substantially in other words does the prior art
Going out the part of contribution can be embodied in the form of software product, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone,
Computer, server, air conditioner, or network equipment etc.) perform method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow shift that bright specification and accompanying drawing content are made, is directly or indirectly used in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of credit carrys out account processing method, it is characterised in that the credit, which carrys out account processing method, to be included：
Receive and pay the checking command that path is sent, detect whether the corresponding shroff account number of the checking command is rear end account system
The account of system；
If the corresponding shroff account number of the checking command is the account of rear end Accounting system, detect the shroff account number whether be
Effective account；
If the shroff account number is effective account, receives the credit that the payment path is sent and carry out account instruction, according to the loan
Note carrys out account instruction renewal account flowing water；
The credit is come account instruction to send to the rear end Accounting system.
2. credit as claimed in claim 1 carrys out account processing method, it is characterised in that the detection shroff account number whether be
Effective account includes：
Verification request is sent to the corresponding rear end Accounting system of the shroff account number, so that can rear end Accounting system verification
Book keeping operation processing is carried out to the shroff account number；
When receiving the feedback information that book keeping operation processing can be carried out to the shroff account number that the rear end Accounting system is sent, really
It is effective account to recognize the shroff account number.
3. credit as claimed in claim 1 carrys out account processing method, it is characterised in that the credit is carried out account processing method and also wrapped
Include：
When receiving the reconciliation file for paying path transmission, the reconciliation file and current account flowing water are checked, examined
Survey whether there is missing data；
If there are missing data, rear end Accounting system corresponding to the missing data is reissued into the missing data.
4. credit as claimed in claim 1 carrys out account processing method, it is characterised in that the credit is carried out account processing method and also wrapped
Include：
When in preset time point, the account text of each rear end Accounting system is generated according to the account flowing water of current point in time
Part；
By the account file push of each rear end Accounting system to corresponding rear end Accounting system.
5. credit as claimed in claim 1 carrys out account processing method, it is characterised in that described to send verification request to the gathering
The corresponding rear end Accounting system of account includes：
The routing iinformation of the corresponding rear end Accounting system of the shroff account number is obtained, according to the routing iinformation, verification is asked
Send to the rear end Accounting system.
6. credit as claimed in claim 1 carrys out account processing method, it is characterised in that described to receive the rear end account system
When what system was sent can carry out the shroff account number feedback information of book keeping operation processing, receive the credit that the payment path is sent and come
Account instruction includes：
When receiving the feedback information that book keeping operation processing can be carried out to the shroff account number that the rear end Accounting system is sent, hair
Notice Of Transactions is sent to the payment path, is referred to so that the payment path sends credit after the Notice Of Transactions is received and carrys out account
Order；
Receive the credit that the payment path is sent and carry out account instruction.
7. credit as claimed in claim 1 carrys out account processing method, it is characterised in that described that the credit is come account instruction transmission
Include after to the rear end Accounting system：
If not receiving the successful reception credit that the rear end Accounting system is sent in preset time carrys out account instruction really
Recognize feedback, then resend the credit and carry out account instruction.
8. a kind of credit carrys out account processing unit, it is characterised in that the credit, which carrys out account processing unit, to be included：Memory, processor
And be stored in the credit that can be run on the memory and on the processor and carry out account processing routine, the credit carrys out account processing
Program realizes following steps when being performed by the processor：
Receive and pay the checking command that path is sent, detect whether the corresponding shroff account number of the checking command is rear end account system
The account of system；
If the corresponding shroff account number of the checking command is the account of rear end Accounting system, detect the shroff account number whether be
Effective account；
If the shroff account number is effective account, receives the credit that the payment path is sent and carry out account instruction, according to the loan
Note carrys out account instruction renewal account flowing water；
The credit is come account instruction to send to the rear end Accounting system.
9. credit as claimed in claim 8 carrys out account processing unit, it is characterised in that it is described that the credit carrys out account processing routine
Processor also realizes following steps when performing：
When receiving the reconciliation file for paying path transmission, the reconciliation file and current account flowing water are checked, examined
Survey whether there is missing data；
If there are missing data, rear end Accounting system corresponding to the missing data is reissued into the missing data.
10. a kind of computer-readable recording medium, it is characterised in that credit is stored with the computer-readable recording medium
Account processing routine, the credit to realize as any one of claim 1 to 7 when account processing routine is executed by processor
Credit carrys out the step of account processing method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711042025.8A CN107944849A (en) | 2017-10-30 | 2017-10-30 | Credit comes account processing method, device and computer-readable recording medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711042025.8A CN107944849A (en) | 2017-10-30 | 2017-10-30 | Credit comes account processing method, device and computer-readable recording medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107944849A true CN107944849A (en) | 2018-04-20 |
Family
ID=61935884
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711042025.8A Pending CN107944849A (en) | 2017-10-30 | 2017-10-30 | Credit comes account processing method, device and computer-readable recording medium |
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| Country | Link |
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| CN (1) | CN107944849A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111899021A (en) * | 2020-08-04 | 2020-11-06 | 武汉众邦银行股份有限公司 | Method for realizing automatic receipt of super network bank account service |
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| CN101488208A (en) * | 2009-01-20 | 2009-07-22 | 深圳市雁联计算系统有限公司 | Business handling system and method for payment settlement synthetic service system |
| US20170300881A1 (en) * | 2015-03-23 | 2017-10-19 | Early Warning Services, Llc | Secure electronic billing and collection with real-time funds availability |
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| CN111899021A (en) * | 2020-08-04 | 2020-11-06 | 武汉众邦银行股份有限公司 | Method for realizing automatic receipt of super network bank account service |
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Application publication date: 20180420 |