CN108090753A - A kind of finance data processing system and whole world speed remittance system and method - Google Patents
A kind of finance data processing system and whole world speed remittance system and method Download PDFInfo
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- CN108090753A CN108090753A CN201611026823.7A CN201611026823A CN108090753A CN 108090753 A CN108090753 A CN 108090753A CN 201611026823 A CN201611026823 A CN 201611026823A CN 108090753 A CN108090753 A CN 108090753A
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- 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
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- 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
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Abstract
The present invention relates to finance data processing systems.The finance data processing system possesses：First data handling system, data intermediate treatment system, the second data handling system, the first data monitoring system and the second data monitoring system.Finance data processing system according to the present invention and whole world speed remittance system and method, finance data can be monitored in real time and handled, whole world speed especially of the invention, which returns system and method, Multiple Currencies to be supported to merchandise, fund arrives account in real time, support former coin to account or RMB to account, it can realize foreign exchange funds unilateral payment, it can realize that balance of payments statistics information is declared in real time, and blacklist management and suspicious partition transaction monitoring, it is more convenient to be provided for remitter, safety, efficient service, it is provided for supervision department more timely, accurately, the data of specification.
Description
Technical field
The present invention relates to financial industry network communication and technical field of information processing more particularly to a kind of finance data to be handled
System and its processing method.
Background technology
The data that the World Bank announces show that the whole world in 2012, which is abroad migrated to this country's remittance, reaches 534,000,000,000 dollars,
The number that middle Chinese immigrant is remitted to local reaches 66,000,000,000 dollars, is only second to India（70000000000 dollars）, it is significantly larger than ranking thereafter
Mexico（24000000000 dollars）, become world's second largest immigrant remittances receiving country.
With the growth of the cross-border inward remittance portfolio of China, remitter is to the convenience and security of cross-border money transfer service
Demand is continuously increased.Previous remitter needs first to log in Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system progress Shen before handling cross-border money transfer transactions
Report, being audited etc. by personal foreign exchange's amount of the Administration of Foreign Exchange can just handle after flows, the link of above-mentioned flow manual intervention compared with
More, often time-consuming, efficiency is low, error-prone.Secondly, previous remitter is typically only capable to select former coin to account, to account after it is artificial again
RMB settlement of exchange is handled, this way formality is cumbersome and costly.Furthermore due to traffic criteria, technical standard and data mark
Quasi- disunity causes service handling mechanism that can not provide timely, accurate, specification statistics for regulatory agency, is unfavorable for supervising
Pipe mechanism is into supervision and post review in behaviour.
The content of the invention
In view of above-mentioned existing solution there are the problem of, the purpose of the present invention is intended to provide one kind and can realize to finance
Data carry out data processing and the finance data processing system that can be monitored in real time in real time.
Further, still a further object of the present invention, which is intended to provide one kind, can realize that cross-border remittance fund arrives account and realizes in real time
Foreign exchange funds unilateral payment, while realize finance data processing system and financial number that balance of payments statistics information declares in real time
According to processing method.
Further, the present invention also aims to provide, one kind can establish and improve blacklist management and suspicious partition is handed over
Easy monitoring mechanism and be remitter provide it is more convenient, safe and efficient service and meanwhile for supervision department provide it is more timely,
Accurately, the whole world speed remittance system and method for the data of specification.
The finance data processing system of the present invention, which is characterized in that including：
First data handling system for initiating the first data verification request to following data intermediate treatment systems, and receives
The first data verification result that data intermediate treatment system returns；For the data being proved to be successful, among data
Processing system initiates the first data processing request, and receives the first data processed result of data intermediate treatment system return, right
It is asked successfully and the data of the first data processing request failure in the first data verification, for being initiated to data intermediate treatment system
3rd data processing request；
Data intermediate treatment system is asked and described for first data verification that the first data handling system of reception is sent
First data processing request, and first data verification request and first data processing request are transmitted to the second data
Processing system is verified and handled, for receiving the second data verification result and the second number that the second data handling system returns
According to handling result, for sending the request of the first data monitoring to the first data monitoring system, and the first data monitoring system is received
The the first data monitoring request results returned, and by the first data monitoring request results, the second data verification request results
The first data handling system is returned to the second data processing request result, is additionally operable to accept the initiation of the first data handling system
3rd data processing request is additionally operable to the second data monitoring system the second data monitoring be reported and submitted to ask, and receives from second
The second data monitoring request results that data monitoring system returns；
Second data handling system：For receiving the first data verification request and the first data that data intermediate treatment system is sent
Processing request, and the first data verification result and the first data processed result are returned into data intermediate treatment system；
First data monitoring system：For receiving the first data monitoring request that data intermediate treatment system sends, and by first
Data monitoring request results return to data intermediate treatment system；And
Second data monitoring system：For receiving the second data monitoring request of data intermediate treatment system transmission, and return to the
Two data monitoring request results are to data intermediate treatment system.
Preferably, the data intermediate treatment system possesses：
Front subsystem is docked with the first data handling system, following online process subsystems, the first data monitoring system, is used
It is asked and the first data processing request in the first data verification that the first data handling system of processing is sent；
Online process subsystem is docked with front subsystem, the first data handling system, following clearance processing subsystems, is used for
The first data verification request and the first data processing request that front subsystem is sent are received and processed, and transmits it to second
Data handling system, for receiving the second data verification result and the second data processing knot that the second data handling system returns
Fruit, and front subsystem is transmitted it to, in addition, being synchronized to clearance for the same day to be handled successful first data processed result
Processing subsystem;
Processing subsystem is cleared, is docked with online process subsystem, the second data monitoring system；For receiving online process subsystem
It unites the first data processed result for synchronously coming, for reporting and submitting the second monitoring data to the second data monitoring system, and receives the
The second monitoring data that two data monitoring systems return reports and submits result data, for completing suspicious partition transaction monitoring；
Error disposal platform, for accepting the 3rd data processing request of the first data handling system initiation；
Management platform is used to implement system administration and monitoring function.
The fast remittance system in the whole world of the present invention, which is characterized in that possess：
Remittance abroad banking system for initiating remittance verification transaction to bank card association system, and receives bank card association system and returns
The verification result returned；For the transaction being proved to be successful, for initiating online money transfer transactions to bank card association system, and connect
The transaction results that bank card association system returns are received, the transaction of online remittance failure for described be proved to be successful, for silver
Row card association system initiates manual money transfer transactions, and manual money transfer transactions are non-on-line transaction；
Bank card association system, for receiving remittance verification transaction and the online money transfer transactions that remittance abroad banking system is sent, and will
It is transmitted to remittance banking system and is verified and handled；It is imported for receiving at verification result and the transaction of banking system return
Manage result；For being initiated to Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system, personal year settlement of exchange limit is inquired about and personal year settles the exchange limit more
New request, and receive the query result of Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system return and update handling result；For being tied according to processing
Fruit, returns to remittance verification transaction results and online money transfer transactions handling result gives remittance abroad banking system, for accepting remittance abroad bank
The manual money transfer transactions that system is initiated；It is related to cross-border remittance for being reported and submitted to Administration of Foreign Exchange's balance of international payments/ balance of payment management information system
Balance of payments statistics data, and receive that Administration of Foreign Exchange balance of international payments/ balance of payment management information system returns reports and submits result data；
Banking system is imported, for receiving remittance verification transaction and the online money transfer transactions that bank card association system comes, and will be tested
Card result and online money transfer transactions handling result return to bank card association system；
Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system, for receive individual's year settlement of exchange limit inquiry that bank card association system sends and
The settlement of exchange limit update request of man-year degree, and query result and update handling result are returned into bank card association system；And
Administration of Foreign Exchange's balance of international payments/ balance of payment management information system, for receive bank card association system report and submit it is related to cross-border remittance
Balance of payments statistics data, and return result data is reported and submitted to give bank card association system.
Preferably, the bank card association system possesses：
Front subsystem overseas：With remittance abroad banking system, following online process subsystems, Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system pair
It connects, for handling remittance verification transaction and the online money transfer transactions that remittance abroad banking system is sent；
Online process subsystem is docked with front subsystem overseas, remittance banking system, following clearance processing subsystems, is used for
Remittance verification transaction and the online money transfer transactions that front subsystem overseas is sent are received and processed, and transmits it to and imports bank
System imports verification result and trading processing that banking system returns as a result, and transmitting it to preposition son overseas for receiving
System is synchronized to following clearance processing subsystems for the same day to be handled successfully cross-border money transfer transactions data；
Processing subsystem is cleared, is docked with online process subsystem, Administration of Foreign Exchange's balance of international payments/ balance of payment management information system, for connecing
Same day for synchronously coming of online process subsystem successful cross-border money transfer transactions data are received, for Administration of Foreign Exchange's balance of international payments/ balance of payment
Management information system report and submit with the relevant balance of payments statistics data of cross-border remittance, and receive Administration of Foreign Exchange's balance of international payments/ balance of payment management
What information system returned reports and submits result data, for completing suspicious partition transaction monitoring；
Error disposal platform, for accepting the manual money transfer transactions of remittance abroad banking system initiation；And
Management platform is used to implement system administration and monitoring function.
Preferably, the front subsystem overseas further includes：
Remittance verification processing module verifies transaction for receiving the remittance that remittance abroad bank sends, and following remittances is called to verify
Transaction business checks that module carries out business validity check, will check that the transaction passed through is transmitted to online process subsystem, is used for
The remittance bank validation of online process subsystem return is received as a result, and following blacklist management modules is called to carry out identity card
The matching of piece number code blacklist is called following outer tube individual's Foreign Exchange Settlement and Sale system interface modules to carry out personal year settlement of exchange limit and is looked into
It askes, according to the remittance bank transfer verification result, blacklist inspection result and personal year settlement of exchange limit query result generation
Remittance verification trading processing is as a result, and be returned to remittance abroad bank；
Online money transfer transactions processing module, please by online money transfer transactions for receiving the online money transfer transactions that remittance abroad bank sends
It asks and is matched with remittance verification transaction, and the interface module of following Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale systems is called to carry out a man-year
Degree settlement of exchange limit inquiry and personal year settlement of exchange limit update, by processing, successfully transaction is transmitted to online process subsystem, uses
In the remittance banking on-line money transfer transactions handling result that reception online process subsystem returns, and it is returned to remittance abroad bank；
Remittance verification transaction business checks module, possesses：Limit checks module, for whether checking the cross-border money transfer transactions amount of money
More than single limit, whether more than single deck tape-recorder odd-numbered day limit；And service fulfillment checks module, for checking whether import card BIN
It has activated the service；
Blacklist management module, possesses：Blacklist storehouse, for storing blacklist；And blacklist checks module, is converged in processing
During money verification transaction, bank being imported when returning to successful respond, is needed, bank card association system is personal by the gathering in transaction message
Part passport NO. is verified with blacklist storehouse with being compared；And
The interface module of Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system, possesses：Personal year settlement of exchange limit enquiry module, for outer tube
The personal Foreign Exchange Settlement and Sale system of office initiates personal year settlement of exchange limit inquiry, and receives the inquiry of Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system return
As a result；And personal year settlement of exchange limit update module, for initiating personal year settlement of exchange to Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system
Limit update request, and receive the update handling result of Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system return.
Preferably, the front subsystem overseas is handled accordingly according to limit query result of settling the exchange in personal year,
Including：
If query interface malloc failure malloc or inquiry transaction time-out cause query result not return at the appointed time, belonging to
Original transaction is handled by Fail Transaction, and even former transaction is remittance verification transaction, returns to remittance authentication failed, does not allow remittance abroad silver-colored
Row subsequently initiates online money transfer transactions；If original transaction is online money transfer transactions, online money transfer transactions failure is returned.
If personal year settlement of exchange limit transfinites, affiliated former transaction is handled by Fail Transaction, and even original transaction is remittance
Verification transaction, remittance authentication failed is returned, remittance abroad bank is not allowed subsequently to initiate online money transfer transactions；If original transaction is online
Money transfer transactions, return to online money transfer transactions failure.
Preferably, the clearance processing subsystem further includes：
For screening suspicious partition transaction data, pipe is investigated and is tracked to suspicious transaction for suspicious partition transaction monitoring module
Reason, and generate doubtful " partition " money transfer transactions report.
The fast remittance method in the whole world of the present invention, which is characterized in that comprise the following steps：
A, remittance abroad banking system initiates remittance verification transaction to bank card association system；
B, after bank card association system receives remittance verification transaction, remittance verification transaction business is called to check that module carries out business
Validity check, and will check that the transaction passed through is transmitted to remittance banking system；
C, after remittance banking system receives remittance verification transaction, verify that account payee whether there is and whether account status has
Payee name and ID card No., if the verification passes, are then backfilling into verification result information by effect；
D, after bank card association system receives the remittance verification result that remittance banking system returns, blacklist management module is called
The matching of identification card number blacklist is carried out, outer tube individual's Foreign Exchange Settlement and Sale system interface module is called to carry out personal year settlement of exchange limit
Volume is inquired about；
E, bank card association system is according to the remittance bank transfer verification result, blacklist inspection result and personal year settlement of exchange
Limit query result generation remittance verification trading processing is as a result, and be returned to remittance abroad bank；
F, transaction is proved to be successful for remittance, remitter can select to continue online money transfer transactions, can also select to exit.
In the case where remitter selects to continue online money transfer transactions, remittance abroad bank first withholds, then is sent out to bank card association system
Play online money transfer transactions；
G, after bank card association system receives online money transfer transactions, online money transfer transactions are asked to carry out with verification transaction of remitting money
Matching, and outer tube individual's Foreign Exchange Settlement and Sale system interface module is called to carry out personal year settlement of exchange limit inquiry and personal year settlement of exchange limit
Volume updates；
H, bank card association system will handle successfully online money transfer transactions and be transmitted to remittance banking system.
I, after remittance banking system receives online money transfer transactions, keep accounts according to currency type and to account Pattern completion fund, and
Trading processing result is returned into bank card association system；
J, bank card association system, which receives, imports the online money transfer transactions handling result that bank returns, and is returned to remittance abroad
Bank.
Preferably, the step D includes：
D1, bank card association system initiate personal year settlement of exchange limit inquiry to Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system；
D2, Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system inquire about whether money transfer amount is more than to tie in personal year according to payee's ID card No.
Remittance limit, and query result is returned into bank card association system；
Preferably, the step G includes：
G1, bank card association system initiate personal year settlement of exchange limit inquiry to Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system；
G2, Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system inquire about whether money transfer amount is more than to tie in personal year according to payee's ID card No.
Remittance limit, and query result is returned into bank card association system；
If G3, the personal year settlement of exchange amount query result of payee are available, bank card association system continues to the Administration of Foreign Exchange
Personal Foreign Exchange Settlement and Sale system initiates personal year settlement of exchange limit update；And
G4, Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system update the personal year settlement of exchange limit of payee according to payee's ID card No., and
Update result is returned into bank card association system.
Preferably, further included after the step J：
K, it is proved to be successful for remittance, the money transfer transactions of online money transfer transactions failure, remittance abroad bank bankable bill card association system
Initiate manual money transfer transactions.Manual money transfer transactions can in ought everyday eventually before cancel on the cross-border Error disposal platform of Unionpay；
L, after bank card association system receives manual money transfer transactions, successful respond is directly given, no longer forwarding imports silver in real time
Row.
M, during DayEndProcess, bank card association system includes same day success and unrepealed manual money transfer transactions clearly
It calculates.After clearance, manual money transfer transactions are sent to remittance abroad bank by chronological file and import bank.
N, bank is imported after manual money transfer transactions information is received, and should check the situation that keeps accounts for importing card account in time, if
It does not keep accounts before importing bank to importing card account, correlation should be completed in time and kept accounts work.
Preferably, further included after the step J or N：
O, after daily bank card association system completes clearance, generate cross-border remittance balance of payments statistics report and doubtful " partition " converges
Money transaction report, and carry out data to Administration of Foreign Exchange's balance of international payments/ balance of payment management information system and report and submit；
P, Administration of Foreign Exchange's balance of international payments/ balance of payment management information system receives the data file that bank card association system is reported and submitted, and returns to report
Destination file is sent to give bank card association system.
As described above, the finance data processing system of the present invention and whole world speed remittance system and method, it can be to finance
Data are monitored in real time and handled, whole world speed especially of the invention return system and method can support Multiple Currencies transaction,
Fund arrives account in real time, and former coin is supported to account or RMB to account, can to realize foreign exchange funds unilateral payment, can realize international receipts
Branch statistical information is declared in real time and blacklist management and suspicious partition transaction monitoring, and more convenient, peace is provided for remitter
Entirely, efficient service, more timely, accurate, specification data are provided for supervision department.
Description of the drawings
Fig. 1 is the construction block diagram of the finance data processing system of the present invention.
Fig. 2 is the construction frame of fast remittance one embodiment of system in the whole world realized by the finance data processing system of the present invention
Figure.
Fig. 3 is the construction block diagram of the front subsystem overseas 210 in the fast remittance system in the whole world by the present invention.
Fig. 4 is by the particular flow sheet of the fast remittance method in the whole world of the present invention.
Specific embodiment
What is be described below is some in multiple embodiments of the invention, it is desirable to provide to the basic understanding of the present invention.And
It is not intended to the crucial or conclusive element for confirming the present invention or limits scope of the claimed.
Fig. 1 is the construction block diagram of the finance data processing system of the present invention.
As shown in Figure 1, the finance data processing system of the present invention, which is characterized in that including：
First data handling system 10, for initiating the first data verification request to following data intermediate treatment systems 20, and
Receive the first data verification result that data intermediate treatment system 20 returns；For the data being proved to be successful, for number
The first data processing request is initiated according to intermediate treatment system 20, and is received at the first data that data intermediate treatment system 20 returns
Reason for the first data verification as a result, ask successfully and the data of the first data processing request unsuccessfully, for data middle
Reason system 20 initiates the 3rd data processing request；
Data intermediate treatment system 20, for receive the first data handling system 10 send first data verification request and
First data processing request, and first data verification request and first data processing request are transmitted to second
Data handling system 30 is verified and handled, for receiving the second data verification result that the second data handling system 30 returns
With the second data processed result, for sending the request of the first data monitoring to the first data monitoring system 40, and the first number is received
According to the first data monitoring request results that monitoring system 40 returns, and by the first data monitoring request results, the second data
Checking request result and the second data processing request result return to the first data handling system 10, are additionally operable to accept the first data
The 3rd data processing request that processing system 10 is initiated is additionally operable to report and submit the second data monitoring please to the second data monitoring system 40
It asks, and receives the second data monitoring request results returned from the second data monitoring system 50；
Second data handling system 30, for receiving the first data verification request and first that data intermediate treatment system 20 is sent
Data processing request, and the first data verification result and the first data processed result are returned into data intermediate treatment system 20；
First data monitoring system 40, for receiving the first data monitoring request that data intermediate treatment system 20 is sent, and will
First data monitoring request results return to data intermediate treatment system 20；And
Second data monitoring system 50 for receiving the second data monitoring request that data intermediate treatment system is sent, and returns
The second data monitoring request results are returned to data intermediate treatment system 20.
Preferably, the data intermediate treatment system 20 possesses：
Front subsystem 21, with the first data handling system 20, following online process subsystems 22, the first data monitoring system 40
Docking, for handling the first data verification request and the first data processing request that the first data handling system 10 is sent；
Online process subsystem 22, it is right with front subsystem 21, the first data handling system 20, following clearance processing subsystems 23
Connect, for receiving and processing the first data verification request and the first data processing request that front subsystem 21 sends, and by its
The second data handling system 30 is transmitted to, for receiving the second data verification result and that the second data handling system 30 returns
Two data processed results, and front subsystem 21 is transmitted it to, in addition, for the same day to be handled successful first data processing
As a result it is synchronized to clearance processing subsystem 23;
Processing subsystem 23 is cleared, is docked with online process subsystem 22, the second data monitoring system 50；For receiving online place
The first data processed result that reason subsystem 22 synchronously comes, for reporting and submitting the second monitoring number to the second data monitoring system 50
According to, and receive the second monitoring data that the second data monitoring system 50 returns and report and submit result data, it is handed over for completing suspicious partition
Easily monitoring；
Error disposal platform 24, for accepting the 3rd data processing request of the first data handling system 20 initiation；And
Management platform 25, is used to implement system administration and monitoring function.
Fig. 2 is the construction frame of fast remittance one embodiment of system in the whole world realized by the finance data processing system of the present invention
Figure.
As shown in Fig. 2, the finance data processing system of one embodiment of the present invention possesses：
Remittance abroad banking system 100 for initiating remittance verification transaction to bank card association system 200, and receives bank card joint
The verification result that system 200 returns；It is online for being initiated to bank card association system 200 for the transaction being proved to be successful
Money transfer transactions, and receive the transaction results of the return of bank card association system 200；The online remittance failure for described be proved to be successful
Transaction, for initiating manual money transfer transactions to bank card association system 200, manual money transfer transactions are non-on-line transaction；
Bank card association system 200, for receiving remittance verification transaction and the friendship of online remittance that remittance abroad banking system 100 is sent
Easily, and transmit it to import banking system 500 verified and handled；Testing for the return of banking system 100 is imported for receiving
Demonstrate,prove result and trading processing result；For to Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system 300 initiate personal year settlement of exchange limit inquiry and
Personal year settlement of exchange limit update request, and receive at query result and the update of the return of Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system 300
Manage result；For according to handling result, returning to remittance verification transaction results and online money transfer transactions handling result giving remittance abroad bank
System 500；For accepting the manual money transfer transactions of the initiation of remittance abroad banking system 100；For to Administration of Foreign Exchange's balance of international payments/ balance of payment pipe
Reason information system 400 report and submit with the relevant balance of payments statistics data of cross-border remittance, and receive Administration of Foreign Exchange's balance of international payments/ balance of payment pipe
What reason information system 400 returned reports and submits result data；
Banking system 300 is imported, for receiving remittance verification transaction and the friendship of online remittance that bank card association system 500 is sent
Easily, and by verification result and online money transfer transactions handling result bank card association system 400 is returned to；
Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system 400 is looked into for receiving individual's year settlement of exchange limit that bank card association system 200 is sent
It askes and is asked with limit update of settling the exchange in personal year, and query result and update handling result are returned into bank card association system
200；And
Administration of Foreign Exchange's balance of international payments/ balance of payment management information system 500, it is reporting and submitting with cross-border remittance for receiving bank card association system 200
The relevant balance of payments statistics data of money, and return and report and submit result data to bank card association system 200.
Wherein, bank card association system 200 possesses：
Front subsystem 210 overseas are sold with remittance abroad banking system 100, following online process subsystems 220, the personal knot of the Administration of Foreign Exchange
Remittance system 300 is docked, for handling remittance verification transaction and the online money transfer transactions that remittance abroad banking system 100 is sent；
Online process subsystem 220, with front subsystem 210 overseas, remittance banking system 500, following clearance processing subsystems
230 docking, for receiving and processing the remittance verification transaction and online money transfer transactions that overseas front subsystem 210 is sent, and will
It, which is transmitted to, imports banking system 500；For receive import banking system 100 return verification result and trading processing as a result,
And front subsystem 210 overseas are transmitted it to, it is following for the successful cross-border money transfer transactions data of same day processing to be synchronized to
Clear processing subsystem 230；
Processing subsystem 230 is cleared, it is right with online process subsystem 220, Administration of Foreign Exchange's balance of international payments/ balance of payment management information system 400
It connects, for receiving same day that online process subsystem 220 synchronously comes successful cross-border money transfer transactions data, for the Administration of Foreign Exchange
Balance of international payments/ balance of payment management information system 400 report and submit with the relevant balance of payments statistics data of cross-border remittance, and receive the Administration of Foreign Exchange
What balance of international payments/ balance of payment management information system 400 returned reports and submits result data, for completing suspicious partition transaction monitoring；
Error disposal platform 240, for accepting the manual money transfer transactions of the initiation of remittance abroad banking system 100；And
Management platform 250, is used to implement system administration and monitoring function.
Fig. 3 is the construction block diagram of the front subsystem overseas 210 in the fast remittance system in the whole world of the present invention.
As shown in figure 3, overseas front subsystem 210 further includes：
Remittance verification processing module 211 verifies transaction for receiving the remittance that remittance abroad bank 100 sends, and calls following remittances
Money verification transaction business checks that module 213 carries out business validity check, will check that the transaction passed through is transmitted to online process
System 220 for receiving 100 verification result of remittance bank of the return of online process subsystem 220, and calls following blacklists
Management module 214 carries out the matching of identification card number blacklist, calls following outer tube individual's Foreign Exchange Settlement and Sale system interface modules
215 carry out personal year settlement of exchange limits inquiry, according to the remittance bank 100 remit money verification result, blacklist inspection result and
Personal year settlement of exchange limit query result generation remittance verification trading processing is as a result, and be returned to remittance abroad bank 500；
Online money transfer transactions processing module 212, for receiving the online money transfer transactions that remittance abroad bank 100 sends, by online remittance
Transaction request is matched with remittance verification transaction, and calls the interface module 215 of following Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale systems
Personal year settlement of exchange limit inquiry and personal year settlement of exchange limit update are carried out, successfully transaction is transmitted to online process by processing
Subsystem 220, for receiving the 100 online money transfer transactions handling result of remittance bank of the return of online process subsystem 220, and will
It returns to remittance abroad bank 500；
Remittance verification transaction business checks module 213, possesses：Limit checks module, for checking the cross-border money transfer transactions amount of money
Whether it is more than single limit, whether is more than single deck tape-recorder odd-numbered day limit；And service fulfillment checks module, and card BIN is imported for checking
Whether activate the service；
Blacklist management module 214, possesses：Blacklist storehouse, overseas front subsystem 210 need to establish blacklist storehouse, blacklist
Source and according to being divided into two classes：One kind is the anti money washing ID card No. obtained according to the classification of backwash money information；One kind is root
The ID card No. that " partition " mode is truly had to evade personal settlement of exchange year management limit reported and submitted according to credit card issuer；And blacklist inspection
Module is looked into, when verification transaction is remitted money in processing, imports bank 100 when returning to successful respond, it is necessary in messages simultaneously to silver
Row card association system 200 returns to complete payee name and identification card number, and bank card association system 200 is by transaction message
In payee's identification card number and blacklist storehouse verification is compared；And
The interface module 215 of Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system, possesses：Personal year settlement of exchange limit enquiry module, for
Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system 300 initiates personal year settlement of exchange limit inquiry, and receives Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system 300
The query result of return；And personal year settlement of exchange limit update module, for being initiated to Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system 300
Personal year settlement of exchange limit update request, and receive the update handling result of Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system return.
Wherein, overseas front subsystem 210 is handled accordingly according to blacklist inspection result, including：
If payee's identification card number is in above-mentioned list or checks in transaction message and does not have identity document, to
Remittance abroad bank 100 returns to authentication failed；If payee's identification card number is not in above-mentioned list, bank card association system
200, which are further continued for other, checks or successful respond is returned remittance abroad bank 500.When returning to response to remittance abroad bank 500, bank card
Association system 200 is retained the identity document information in message and holder name, no longer returns to remittance abroad bank（It is local
Except supervision department states otherwise）.
Further, overseas front subsystem 210 is handled accordingly according to limit query result of settling the exchange in personal year, is wrapped
It includes：
If query interface malloc failure malloc or inquiry transaction time-out cause query result not return at the appointed time, belonging to
Original transaction is handled by Fail Transaction, and even former transaction is remittance verification transaction, returns to remittance authentication failed, does not allow remittance abroad silver-colored
Row subsequently initiates online money transfer transactions；If original transaction is online money transfer transactions, online money transfer transactions failure is returned.
If personal year settlement of exchange limit transfinites, affiliated former transaction is handled by Fail Transaction, and even original transaction is remittance
Verification transaction, remittance authentication failed is returned, remittance abroad bank is not allowed subsequently to initiate online money transfer transactions；If original transaction is online
Money transfer transactions, return to online money transfer transactions failure.
Clearance processing subsystem 230 further includes：
For screening suspicious partition transaction data, pipe is investigated and is tracked to suspicious transaction for suspicious partition transaction monitoring module
Reason, and generate doubtful " partition " money transfer transactions report.
Then, the specific steps for the method converged for the whole world speed realized using the fast remittance system in the above-mentioned whole world are illustrated.
Fig. 4 is the particular flow sheet of the fast remittance method in the whole world of the present invention.
As shown in figure 4, it is converged by the whole world speed that the fast remittance system in the whole world that the finance data processing system of the present invention is realized is realized
Method comprises the following steps：
A, remittance abroad banking system 100 initiates remittance verification transaction to bank card association system 200；
B, bank card association system 200 receive remittance verification transaction after, call remittance verification transaction business check module 213 into
Industry business validity check, and will check that the transaction passed through is transmitted to and import banking system 300；
C, after remittance banking system 300 receives remittance verification transaction, verify that account payee whether there is and account status is
It is no effective, if the verification passes, then payee name and ID card No. are backfilling into verification result information and return to bank
Card association system 200；
D, after bank card association system 200 receives the remittance verification result that remittance banking system 300 returns, blacklist pipe is called
The matching that module 214 carries out identification card number blacklist is managed, outer tube individual's Foreign Exchange Settlement and Sale system interface module 215 is called to carry out a
The settlement of exchange limit inquiry of man-year degree；
E, bank card association system 200 is according to the remittance bank transfer verification result, blacklist inspection result and individual's year
Settlement of exchange limit query result generation remittance verification trading processing is as a result, and be returned to remittance abroad bank 100；
F, transaction is proved to be successful for remittance, remitter can select to continue online money transfer transactions, can also select to exit.
In the case where remitter selects to continue online money transfer transactions, remittance abroad bank 100 first withholds, then to bank card association system
200 initiate online money transfer transactions；
G, after bank card association system 200 receives online money transfer transactions, online money transfer transactions are asked and verification transaction of remitting money
It is matched, and outer tube individual's Foreign Exchange Settlement and Sale system interface module 215 is called to carry out personal year settlement of exchange limit inquiry and a man-year
Degree settlement of exchange limit update；
H, bank card association system 200 will handle successfully online money transfer transactions and be transmitted to remittance banking system 300；
I, after remittance banking system 300 receives online money transfer transactions, keep accounts according to currency type and to account Pattern completion fund, and will
Trading processing result returns to bank card association system 200；And
J, bank card association system 200, which receives, imports the online money transfer transactions handling result that bank returns, and is returned to
Remittance abroad bank 100；
K, it is proved to be successful for remittance, the money transfer transactions of online money transfer transactions failure, 100 bankable bill card joint system of remittance abroad bank
System 200 initiates manual money transfer transactions, manual money transfer transactions can in ought everyday eventually before cancel on Error disposal platform 240；
L, after bank card association system 200 receives manual money transfer transactions, successful respond is directly given, no longer forwarding imports in real time
Bank；
M, during DayEndProcess, same day success and unrepealed manual money transfer transactions are included clearance by bank card association system 200,
After clearance, manual money transfer transactions are sent to remittance abroad bank 100 by chronological file and import bank 300；
N, bank 300 is imported after manual money transfer transactions information is received, should check the situation that keeps accounts for importing card account in time, if converging
Enter before bank to importing what card account kept accounts, correlation should be completed in time and kept accounts work.
Wherein step K~N is preferred steps, and is not illustrated.
Further, following sub-steps are specifically included in above-mentioned steps D：
D1, bank card association system 200 initiate personal year settlement of exchange limit inquiry to Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system 400；
D2, Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system 400 inquire about whether money transfer amount is more than a man-year according to payee's ID card No.
Degree settlement of exchange limit, and query result is returned into bank card association system 200（Wherein, D1, D2 sub-step are not shown）.
Wherein, above-mentioned steps G includes following sub-steps：
G1, bank card association system 200 initiate personal year settlement of exchange limit inquiry to Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system 400；
G2, Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system 200 inquire about whether money transfer amount is more than a man-year according to payee's ID card No.
Degree settlement of exchange limit, and query result is returned into bank card association system 200；
If G3, the personal year settlement of exchange amount query result of payee are available, bank card association system 200 continues to outer tube
The personal Foreign Exchange Settlement and Sale system 400 of office initiates personal year settlement of exchange limit update；And
G4, Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system 400 update the personal year settlement of exchange limit of payee according to payee's ID card No.,
And update result is returned into bank card association system 200（Wherein, G1~G4 sub-steps are not shown）.
On the other hand, following step is further included after above-mentioned steps J or N：
O, after daily bank card association system 200 completes clearance, generate cross-border remittance balance of payments statistics report and it is doubtful " point
Tear open " money transfer transactions report, and carry out data to Administration of Foreign Exchange's balance of international payments/ balance of payment management information system 500 and report and submit；
P, Administration of Foreign Exchange's balance of international payments/ balance of payment management information system 500 receives the data file that bank card association system 200 is reported and submitted, and
Return reports and submits destination file to give bank card association system（Wherein, O, P are not shown）.
As described above, the finance data processing system of the present invention and whole world speed remittance system and method, it can be to finance
Data are monitored in real time and handled, whole world speed especially of the invention return system and method can support Multiple Currencies transaction,
Fund arrives account in real time, and former coin is supported to account or RMB to account, can to realize foreign exchange funds unilateral payment, can realize international receipts
Branch statistical information is declared in real time and blacklist management and suspicious partition transaction monitoring, and more convenient, peace is provided for remitter
Entirely, efficient service, more timely, accurate, specification data are provided for supervision department.
Example above primarily illustrates the finance data processing system of the present invention and whole world speed remittance system and method.Although
Only the specific embodiment of some of present invention is described, but those of ordinary skill in the art are it is to be appreciated that originally
Invention can without departing from its spirit with scope in the form of many other implement.Therefore, the example shown and embodiment party
Formula is considered as illustrative and not restrictive, is not departing from the spirit and scope of the present invention as defined in appended claims
In the case of, the present invention may cover various modification and replacement.
Claims (12)
1. a kind of finance data processing system, which is characterized in that possess：
First data handling system for initiating the first data verification request to following data intermediate treatment systems, and receives
The first data verification result that data intermediate treatment system returns；For the data being proved to be successful, among data
Processing system initiates the first data processing request, and receives the first data processed result of data intermediate treatment system return, right
It is asked successfully and the data of the first data processing request failure in the first data verification, for being initiated to data intermediate treatment system
3rd data processing request；
Data intermediate treatment system is asked and described for first data verification that the first data handling system of reception is sent
First data processing request, and first data verification request and first data processing request are transmitted to the second data
Processing system is verified and handled, for receiving the second data verification result and the second number that the second data handling system returns
According to handling result, for sending the request of the first data monitoring to the first data monitoring system, and the first data monitoring system is received
The the first data monitoring request results returned, and by the first data monitoring request results, the second data verification request results
The first data handling system is returned to the second data processing request result, is additionally operable to accept the initiation of the first data handling system
3rd data processing request is additionally operable to the second data monitoring system the second data monitoring be reported and submitted to ask, and receives from second
The second data monitoring request results that data monitoring system returns；
Second data handling system, for receiving the first data verification request and the first data that data intermediate treatment system is sent
Processing request, and the first data verification result and the first data processed result are returned into data intermediate treatment system；
First data monitoring system, for receiving the first data monitoring request that data intermediate treatment system sends, and by first
Data monitoring request results return to data intermediate treatment system；And
Second data monitoring system for receiving the second data monitoring request of data intermediate treatment system transmission, and returns to the
Two data monitoring request results are to data intermediate treatment system.
2. finance data processing system as described in claim 1, which is characterized in that the data intermediate treatment system possesses：
Front subsystem is docked with the first data handling system, following online process subsystems, the first data monitoring system, is used
It is asked and the first data processing request in the first data verification that the first data handling system of processing is sent；
Online process subsystem is docked with front subsystem, the first data handling system, following clearance processing subsystems, is used for
The first data verification request and the first data processing request that front subsystem is sent are received and processed, and transmits it to second
Data handling system, for receiving the second data verification result and the second data processing knot that the second data handling system returns
Fruit, and front subsystem is transmitted it to, in addition, being synchronized to clearance for the same day to be handled successful first data processed result
Processing subsystem;
Processing subsystem is cleared, is docked with online process subsystem, the second data monitoring system；For receiving online process subsystem
It unites the first data processed result for synchronously coming, for reporting and submitting the second monitoring data to the second data monitoring system, and receives the
The second monitoring data that two data monitoring systems return reports and submits result data, for completing suspicious partition transaction monitoring；
Error disposal platform, for accepting the 3rd data processing request of the first data handling system initiation；And
Management platform is used to implement system administration and monitoring function.
3. a kind of fast remittance system in the whole world, which is characterized in that possess：
Remittance abroad banking system for initiating remittance verification transaction to bank card association system, and receives bank card association system and returns
The verification result returned；For the transaction being proved to be successful, for initiating online money transfer transactions to bank card association system, and connect
The transaction results that bank card association system returns are received, the transaction of online remittance failure for described be proved to be successful, for silver
Row card association system initiates manual money transfer transactions, and manual money transfer transactions are non-on-line transaction；
Bank card association system, for receiving remittance verification transaction and the online money transfer transactions that remittance abroad banking system is sent, and will
It is transmitted to remittance banking system and is verified and handled；It is imported for receiving at verification result and the transaction of banking system return
Manage result；For being initiated to Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system, personal year settlement of exchange limit is inquired about and personal year settles the exchange limit more
New request, and receive the query result of Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system return and update handling result；For being tied according to processing
Fruit, returns to remittance verification transaction results and online money transfer transactions handling result gives remittance abroad banking system, for accepting remittance abroad bank
The manual money transfer transactions that system is initiated；It is related to cross-border remittance for being reported and submitted to Administration of Foreign Exchange's balance of international payments/ balance of payment management information system
Balance of payments statistics data, and receive that Administration of Foreign Exchange balance of international payments/ balance of payment management information system returns reports and submits result data；
Banking system is imported, for receiving remittance verification transaction and the online money transfer transactions that bank card association system comes, and will be tested
Card result and online money transfer transactions handling result return to bank card association system；
Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system, for receive individual's year settlement of exchange limit inquiry that bank card association system sends and
The settlement of exchange limit update request of man-year degree, and query result and update handling result are returned into bank card association system；And
Administration of Foreign Exchange's balance of international payments/ balance of payment management information system, for receive bank card association system report and submit it is related to cross-border remittance
Balance of payments statistics data, and return result data is reported and submitted to give bank card association system.
4. the fast remittance system in the whole world as claimed in claim 3, which is characterized in that
The bank card association system possesses：
Front subsystem overseas, with remittance abroad banking system, following online process subsystems, Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system pair
It connects, for handling remittance verification transaction and the online money transfer transactions that remittance abroad banking system is sent；
Online process subsystem is docked with front subsystem overseas, remittance banking system, following clearance processing subsystems, is used for
Remittance verification transaction and the online money transfer transactions that front subsystem overseas is sent are received and processed, and transmits it to and imports bank
System imports verification result and trading processing that banking system returns as a result, and transmitting it to preposition son overseas for receiving
System is synchronized to following clearance processing subsystems for the same day to be handled successfully cross-border money transfer transactions data；
Processing subsystem is cleared, is docked with online process subsystem, Administration of Foreign Exchange's balance of international payments/ balance of payment management information system, for connecing
Same day for synchronously coming of online process subsystem successful cross-border money transfer transactions data are received, for Administration of Foreign Exchange's balance of international payments/ balance of payment
Management information system report and submit with the relevant balance of payments statistics data of cross-border remittance, and receive Administration of Foreign Exchange's balance of international payments/ balance of payment management
What information system returned reports and submits result data, for completing suspicious partition transaction monitoring；
Error disposal platform, for accepting the manual money transfer transactions of remittance abroad banking system initiation；And
Management platform is used to implement system administration and monitoring function.
5. the fast remittance system in the whole world as claimed in claim 4, which is characterized in that
The front subsystem overseas further includes：
Remittance verification processing module verifies transaction for receiving the remittance that remittance abroad bank sends, and following remittances is called to verify
Transaction business checks that module carries out business validity check, will check that the transaction passed through is transmitted to online process subsystem, is used for
The remittance bank validation of online process subsystem return is received as a result, and following blacklist management modules is called to carry out identity card
The matching of piece number code blacklist is called following outer tube individual's Foreign Exchange Settlement and Sale system interface modules to carry out personal year settlement of exchange limit and is looked into
It askes, according to the remittance bank transfer verification result, blacklist inspection result and personal year settlement of exchange limit query result generation
Remittance verification trading processing is as a result, and be returned to remittance abroad bank；
Online money transfer transactions processing module, please by online money transfer transactions for receiving the online money transfer transactions that remittance abroad bank sends
It asks and is matched with remittance verification transaction, and the interface module of following Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale systems is called to carry out a man-year
Degree settlement of exchange limit inquiry and personal year settlement of exchange limit update, by processing, successfully transaction is transmitted to online process subsystem, uses
In the remittance banking on-line money transfer transactions handling result that reception online process subsystem returns, and it is returned to remittance abroad bank；
Remittance verification transaction business checks module, possesses：Limit checks module, for whether checking the cross-border money transfer transactions amount of money
More than single limit, whether more than single deck tape-recorder odd-numbered day limit；And service fulfillment checks module, for checking whether import card BIN
It has activated the service；
Blacklist management module, possesses：Blacklist storehouse, for storing blacklist；And blacklist checks module, is converged in processing
During money verification transaction, bank being imported when returning to successful respond, is needed, bank card association system is personal by the gathering in transaction message
Part passport NO. is verified with blacklist storehouse with being compared；And
The interface module of Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system, possesses：Personal year settlement of exchange limit enquiry module, for outer tube
The personal Foreign Exchange Settlement and Sale system of office initiates personal year settlement of exchange limit inquiry, and receives the inquiry of Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system return
As a result；And personal year settlement of exchange limit update module, for initiating personal year settlement of exchange to Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system
Limit update request, and receive the update handling result of Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system return.
6. the fast remittance system in the whole world as claimed in claim 5, which is characterized in that
The front subsystem overseas is handled accordingly according to limit query result of settling the exchange in personal year, including：
If query interface malloc failure malloc or inquiry transaction time-out cause query result not return at the appointed time, belonging to
Original transaction is handled by Fail Transaction, and even former transaction is remittance verification transaction, returns to remittance authentication failed, does not allow remittance abroad silver-colored
Row subsequently initiates online money transfer transactions；If original transaction is online money transfer transactions, online money transfer transactions failure is returned；It is if personal
Year settlement of exchange limit transfinites, and affiliated former transaction is handled by Fail Transaction, and even original transaction is remittance verification transaction, and return converges
Money authentication failed does not allow remittance abroad bank subsequently to initiate online money transfer transactions；If original transaction is online money transfer transactions, connection is returned
Machine money transfer transactions fail.
7. the fast remittance system in the whole world as claimed in claim 6, which is characterized in that
The clearance processing subsystem further includes：
For screening suspicious partition transaction data, pipe is investigated and is tracked to suspicious transaction for suspicious partition transaction monitoring module
Reason, and generate doubtful " partition " money transfer transactions report.
A kind of 8. fast remittance method in the whole world, which is characterized in that comprise the following steps：
A, remittance abroad banking system initiates remittance verification transaction to bank card association system；
B, after bank card association system receives remittance verification transaction, remittance verification transaction business is called to check that module carries out business
Validity check, and will check that the transaction passed through is transmitted to remittance banking system；
C, after remittance banking system receives remittance verification transaction, verify that account payee whether there is and whether account status has
Payee name and ID card No., if the verification passes, are then backfilling into verification result information by effect；
D, after bank card association system receives the remittance verification result that remittance banking system returns, blacklist management module is called
The matching of identification card number blacklist is carried out, outer tube individual's Foreign Exchange Settlement and Sale system interface module is called to carry out personal year settlement of exchange limit
Volume is inquired about；
E, bank card association system is according to the remittance bank transfer verification result, blacklist inspection result and personal year settlement of exchange
Limit query result generation remittance verification trading processing is as a result, and be returned to remittance abroad bank；
F, transaction is proved to be successful for remittance, remitter can select to continue online money transfer transactions, can also select to exit；
In the case where remitter selects to continue online money transfer transactions, remittance abroad bank first withholds, then combines to bank card and be
System initiates online money transfer transactions；
G, after bank card association system receives online money transfer transactions, online money transfer transactions are asked to carry out with verification transaction of remitting money
Matching, and outer tube individual's Foreign Exchange Settlement and Sale system interface module is called to carry out personal year settlement of exchange limit inquiry and personal year settlement of exchange limit
Volume updates；
H, bank card association system will handle successfully online money transfer transactions and be transmitted to remittance banking system；
I, after remittance banking system receives online money transfer transactions, keep accounts, and will hand over according to currency type and to account Pattern completion fund
Disposable result returns to bank card association system；
J, bank card association system, which receives, imports the online money transfer transactions handling result that bank returns, and is returned to remittance abroad
Bank.
9. the fast remittance method in the whole world as claimed in claim 10, which is characterized in that the step D includes：
D1, bank card association system initiate personal year settlement of exchange limit inquiry to Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system；
D2, Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system inquire about whether money transfer amount is more than to tie in personal year according to payee's ID card No.
Remittance limit, and query result is returned into bank card association system.
10. the fast remittance method in the whole world as claimed in claim 9, which is characterized in that the step G includes：
G1, bank card association system initiate personal year settlement of exchange limit inquiry to Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system；
G2, Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system inquire about whether money transfer amount is more than to tie in personal year according to payee's ID card No.
Remittance limit, and query result is returned into bank card association system；
If G3, the personal year settlement of exchange amount query result of payee are available, bank card association system continues to the Administration of Foreign Exchange
Personal Foreign Exchange Settlement and Sale system initiates personal year settlement of exchange limit update；And
G4, Administration of Foreign Exchange individual Foreign Exchange Settlement and Sale system update the personal year settlement of exchange limit of payee according to payee's ID card No., and
Update result is returned into bank card association system.
11. the fast remittance method in the whole world as claimed in claim 10, which is characterized in that further included after the step J：
K, it is proved to be successful for remittance, the money transfer transactions of online money transfer transactions failure, remittance abroad bank bankable bill card association system
Initiate manual money transfer transactions；Manual money transfer transactions can in ought everyday eventually before cancel on the cross-border Error disposal platform of Unionpay；
L, after bank card association system receives manual money transfer transactions, successful respond is directly given, no longer forwarding imports silver in real time
Row；
M, during DayEndProcess, same day success and unrepealed manual money transfer transactions are included clearance by bank card association system；
After clearance, manual money transfer transactions are sent to remittance abroad bank by chronological file and import bank；
N, bank is imported after manual money transfer transactions information is received, should check the situation that keeps accounts for importing card account in time, if importing
To importing what card account kept accounts before bank, correlation should be completed in time and is kept accounts work.
12. the fast remittance method in the whole world as claimed in claim 11, which is characterized in that further included after the step J or N：
O, after daily bank card association system completes clearance, generate cross-border remittance balance of payments statistics report and doubtful " partition " converges
Money transaction report, and carry out data to Administration of Foreign Exchange's balance of international payments/ balance of payment management information system and report and submit；
P, Administration of Foreign Exchange's balance of international payments/ balance of payment management information system receives the data file that bank card association system is reported and submitted, and returns to report
Destination file is sent to give bank card association system.
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| WO2020200172A1 (en) * | 2019-03-29 | 2020-10-08 | 上海盛付通电子支付服务有限公司 | Method and device for checking payments-on-behalf-of |
| CN111369253A (en) * | 2020-03-18 | 2020-07-03 | 中国建设银行股份有限公司 | Foreign exchange service declaration method, device, equipment and storage medium |
| CN111429279A (en) * | 2020-03-23 | 2020-07-17 | 中国建设银行股份有限公司 | Transaction management system and method |
| CN111752725A (en) * | 2020-06-29 | 2020-10-09 | 上海通联金融服务有限公司 | Method and system for improving performance of financial credit system |
| CN113450226A (en) * | 2021-07-14 | 2021-09-28 | 中国银行股份有限公司 | Block chain-based sales and exchange transaction data processing method and system and related nodes |
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