CN108090753B - Financial data processing system, global speed sink system and method thereof - Google Patents
Financial data processing system, global speed sink system and method thereof Download PDFInfo
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- CN108090753B CN108090753B CN201611026823.7A CN201611026823A CN108090753B CN 108090753 B CN108090753 B CN 108090753B CN 201611026823 A CN201611026823 A CN 201611026823A CN 108090753 B CN108090753 B CN 108090753B
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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
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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
- 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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- 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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The present invention relates to financial data processing systems. The financial data processing system is provided with: the system comprises a first data processing system, a data intermediate processing system, a second data processing system, a first data monitoring system and a second data monitoring system. According to the financial data processing system, the global quick collection system and the global quick collection method, the financial data can be monitored and processed in real time, and particularly the global quick return system and the global quick return method can support multi-currency transactions, real-time account checking of funds, original currency account checking or RMB account checking, direct foreign exchange funds collection, real-time reporting of international balance statistics information, blacklist management and suspicious split transaction monitoring, provide more convenient, safe and efficient service for remitters, and provide more timely, accurate and normative data for supervision departments.
Description
Technical Field
The invention relates to the technical field of network communication and information processing in the financial industry, in particular to a financial data processing system and a processing method thereof.
Background
The world bank published data shows that the worldwide overseas immigration reminds 5340 million dollars to home in 2012, wherein the amount of the chinese immigration remittance to home reaches 660 million dollars, which is next to india (700 million dollars), far higher than mexico (240 million dollars) ranked afterwards, and becomes the second largest worldwide remittance recipient country.
With the increase of the amount of money transfer traffic that is transferred across the border of china, the convenience and security demands of money transfer persons on the money transfer services across the border are increasing. Before transacting cross-border money transfer business, the conventional remitter needs to log in an external exchange personal junction sales exchange system to report, and transacts after going through processes such as personal foreign exchange limit audit of a foreign exchange management exchange, and the like. Secondly, the original money can only be selected to be paid by the remitter in the past, and the remitter can manually transact the renminbi to pay after paying, so that the method is complicated in procedure and high in cost. Moreover, because the service standard, the technical standard and the data standard are not uniform, the service acceptance mechanism cannot provide timely, accurate and standard statistical data for the supervision mechanism, which is not beneficial to the supervision mechanism to conduct in-process supervision and post-inspection.
Disclosure of Invention
In view of the problems with the existing solutions described above, it is an object of the present invention to provide a financial data processing system capable of realizing data processing on financial data in real time and monitoring in real time.
Further, still another object of the present invention is to provide a financial data processing system and a financial data processing method capable of realizing real-time account arrival of money transfer across borders and direct exchange of foreign exchange money, and simultaneously realizing real-time declaration of international balance statistics information.
Still further, the present invention is directed to a global rapid exchange system and method that can establish a robust blacklist management and suspicious split transaction monitoring mechanism and provide more convenient, safe and efficient services to the sender while providing more timely, accurate and normative data to the regulatory authorities.
The financial data processing system of the present invention is characterized by comprising:
the first data processing system is used for initiating a first data verification request to a data intermediate processing system described below and receiving a first data verification result returned by the data intermediate processing system; for the data which is successfully verified, the data processing method is used for initiating a first data processing request to the data intermediate processing system, receiving a first data processing result returned by the data intermediate processing system, and for the data which is successfully verified by the first data processing request and fails by the first data processing request, initiating a third data processing request to the data intermediate processing system;
the data intermediate processing system is used for receiving the first data verification request and the first data processing request sent by the first data processing system, transmitting the first data verification request and the first data processing request to the second data processing system for verification and processing, receiving a second data verification result and a second data processing result returned by the second data processing system, sending a first data monitoring request to the first data monitoring system, receiving a first data monitoring request result returned by the first data monitoring system, returning the first data monitoring request result, the second data verification request result and the second data processing request result to the first data processing system, receiving a third data processing request initiated by the first data processing system, reporting a second data monitoring request to the second data monitoring system, and receiving a second data monitoring request result returned from the second data monitoring system;
a second data processing system: the data processing system is used for receiving a first data verification request and a first data processing request sent by the data processing system and returning a first data verification result and a first data processing result to the data processing system;
a first data monitoring system: the data monitoring system is used for receiving a first data monitoring request sent by the data intermediate processing system and returning a first data monitoring request result to the data intermediate processing system; and
and a second data monitoring system: and the data monitoring system is used for receiving a second data monitoring request sent by the data intermediate processing system and returning the result of the second data monitoring request to the data intermediate processing system.
Preferably, the data intermediate processing system includes:
the front-end subsystem is in butt joint with the first data processing system, the online processing subsystem and the first data monitoring system and is used for processing a first data verification request and a first data processing request sent by the first data processing system;
the online processing subsystem is in butt joint with the front-end subsystem, the first data processing system and a clearing processing subsystem, and is used for receiving and processing a first data verification request and a first data processing request sent by the front-end subsystem, transmitting the first data verification request and the first data processing request to the second data processing system, receiving a second data verification result and a second data processing result returned by the second data processing system, transmitting the second data verification result and the second data processing result to the front-end subsystem, and synchronizing the first data processing result successfully processed on the same day to the clearing processing subsystem;
the clearing processing subsystem is in butt joint with the online processing subsystem and the second data monitoring system; the system comprises a first data processing subsystem, a second data monitoring subsystem, a first data processing subsystem, a second data processing subsystem and a second data processing subsystem, wherein the first data processing subsystem is used for receiving a first data processing result synchronized by the online processing subsystem, reporting second monitoring data to the second data monitoring subsystem, and receiving second monitoring data reporting result data returned by the second data monitoring system, wherein the second monitoring data reporting result data is used for completing suspicious split transaction monitoring;
the error processing platform is used for accepting a third data processing request initiated by the first data processing system;
and the management platform is used for realizing the system management and monitoring functions.
The global speed sink system according to the present invention is characterized by comprising:
the remittance banking system is used for initiating remittance verification transaction to the banking card united system and receiving a verification result returned by the banking card united system; for the successful transaction, the method is used for initiating an online remittance transaction to the bank card united system, receiving a transaction result returned by the bank card united system, and for the successful transaction which fails to be online remittance, the method is used for initiating a manual remittance transaction to the bank card united system, wherein the manual remittance transaction is a non-online transaction;
the bank card combination system is used for receiving the remittance verification transaction and the online remittance transaction sent by the remittance banking system and transmitting the remittance verification transaction and the online remittance transaction to the remittance banking system for verification and processing; the system is used for receiving a verification result and a transaction processing result returned by the remittance banking system; the system is used for initiating a personal annual junction limit inquiry and a personal annual junction limit update request to the external office personal junction sales collection system and receiving an inquiry result and an update processing result returned by the external office personal junction sales collection system; the system is used for returning a remittance verification transaction result and an online remittance transaction processing result to the remittance banking system according to the processing result, and is used for accepting manual remittance transactions initiated by the remittance banking system; the system is used for reporting the international balance statistical data related to the cross-border remittance to the external office international balance management information system and receiving the report result data returned by the external office international balance management information system;
the remittance banking system is used for receiving the remittance verification transaction and the online remittance transaction from the banking card combined system and returning the verification result and the online remittance transaction processing result to the banking card combined system;
the personal junction sales collection system of the outer bureau is used for receiving the personal annual junction collection limit inquiry and the personal annual junction collection limit update request sent by the bank card combined system, and returning the inquiry result and the update processing result to the bank card combined system; and
the external bureau international balance management information system is used for receiving international balance statistical data related to cross-border remittance reported by the bank card combined system and returning report result data to the bank card combined system.
Preferably, the bank card combination system includes:
overseas lead subsystem: the system is in butt joint with an outgoing bank system, an online processing subsystem and an external bureau personal junction selling and collecting system and is used for processing money transfer verification transactions and online money transfer transactions sent by the outgoing bank system;
the online processing subsystem is in butt joint with the overseas prepositive subsystem, the remittance banking system and the clearing processing subsystem which are described below and is used for receiving and processing remittance verification transactions and online remittance transactions sent by the overseas prepositive subsystem, transmitting the remittance verification transactions and the online remittance transactions to the remittance banking system, receiving verification results and transaction processing results returned by the remittance banking system, transmitting the verification results and the transaction processing results to the overseas prepositive subsystem and synchronizing cross-border remittance transaction data which are processed successfully on the same day to the clearing processing subsystem which is described below;
the clearing processing subsystem is in butt joint with the online processing subsystem and the external office international balance management information system and is used for receiving the cross-border money transfer transaction data which are synchronized by the online processing subsystem and are successful in the day, reporting the international balance statistics data related to the cross-border money transfer to the external office international balance management information system and receiving the report result data returned by the external office international balance management information system, and finishing suspicious split transaction monitoring;
the error processing platform is used for accepting manual remittance transaction initiated by the remittance banking system; and
and the management platform is used for realizing the system management and monitoring functions.
Preferably, the overseas front-end subsystem further comprises:
the money transfer verification processing module is used for receiving money transfer verification transaction sent by an outgoing bank, calling the following money transfer verification transaction service checking module to check service effectiveness, transmitting the checked transaction to the online processing subsystem, receiving an incoming bank verification result returned by the online processing subsystem, calling the following blacklist management module to match an identity document number blacklist, calling the following outer tube personal junction and sale collection system interface module to inquire personal annual junction limit, generating a money transfer verification transaction processing result according to the incoming bank money transfer verification result, the blacklist checking result and the personal annual junction limit inquiring result, and returning the money transfer verification transaction processing result to an outgoing bank;
the online remittance transaction processing module is used for receiving online remittance transactions sent by the remittance banks, matching an online remittance transaction request with remittance verification transactions, calling an interface module of an external office personal junction sales collection system to perform personal annual junction limit inquiry and personal annual junction limit update, transmitting the successfully processed transactions to the online processing subsystem, and receiving online remittance transaction processing results of the remittance banks returned by the online processing subsystem and returning the online remittance transaction processing results to the remittance banks;
a money transfer verification transaction service inspection module is provided with: the quota checking module is used for checking whether the cross-border remittance transaction amount exceeds a single quota and a Shan Kashan daily quota; the business opening checking module is used for checking whether the BIN of the sink card has opened business;
a blacklist management module, which comprises: the blacklist library is used for storing blacklists; the bank card combined system is used for comparing and verifying the identification card number of the payee in the transaction message with the blacklist library when the bank returns a successful response when the money transfer verification transaction is processed; and
an interface module for an external office personal junction sales collection system, comprising: the personal annual junction limit query module is used for initiating personal annual junction limit query to the external office personal junction sales and collection system and receiving a query result returned by the external office personal junction sales and collection system; and the personal annual junction limit updating module is used for initiating a personal annual junction limit updating request to the external office personal junction sales and collection system and receiving an updating processing result returned by the external office personal junction sales and collection system.
Preferably, the overseas front-end subsystem performs corresponding processing according to the personal annual junction limit query result, including:
if the inquiry interface is called to fail or the inquiry transaction is overtime, the inquiry result cannot be returned within the set time, the original transaction of the inquiry interface is processed according to the transaction failure, namely if the original transaction is a money transfer verification transaction, the money transfer verification is returned to fail, and the subsequent initiation of the online money transfer transaction by the remittance bank is not allowed; if the original transaction is an online money transfer transaction, returning to the online money transfer transaction.
If the annual junction limit of the individual exceeds the limit, the original transaction to which the individual belongs is processed according to the transaction failure, namely if the original transaction is a money transfer verification transaction, the money transfer verification is returned to fail, and the subsequent initiation of the online money transfer transaction by the remittance bank is not allowed; if the original transaction is an online money transfer transaction, returning to the online money transfer transaction.
Preferably, the clearing processing subsystem further comprises:
the suspicious split transaction monitoring module is used for screening suspicious split transaction data, carrying out investigation and tracking management on suspicious transactions and generating a suspicious split remittance transaction report.
The global speed sink method of the invention is characterized by comprising the following steps:
A. the remittance banking system initiates remittance verification transaction to the bank card united system;
B. after receiving the money transfer verification transaction, the bank card united system invokes a money transfer verification transaction service checking module to check service validity, and transmits the checked transaction to the money transfer banking system;
C. after receiving the money transfer verification transaction, the money transfer banking system verifies whether the account of the payee exists and whether the account state is valid, and if the account state passes the verification, the name and the ID card number of the payee are backfilled into the verification result information;
D. after receiving a money transfer verification result returned by the money transfer banking system, the banking card combined system calls a blacklist management module to match a blacklist of the identity document numbers, and calls an outer tube personal junction and sales junction system interface module to inquire personal annual junction and junction limits;
E. the bank card combined system generates a remittance verification transaction processing result according to the remittance verification result of the remittance bank, the blacklist checking result and the personal annual remittance limit inquiring result, and returns the remittance verification transaction processing result to the remittance bank;
F. for a money transfer verification successful transaction, the sender may choose to proceed with the online money transfer transaction or may choose to withdraw. Under the condition that the remitter chooses to continue the online remittance transaction, the remittance bank firstly deducts money and then initiates the online remittance transaction to the bank card combined system;
G. after the bank card combined system receives the online remittance transaction, matching the online remittance transaction request with the remittance verification transaction, and calling an outer pipe personal junction sales collection system interface module to perform personal annual junction collection limit inquiry and personal annual junction collection limit update;
H. the bank card association system transmits the successfully processed online money transfer transaction to the money transfer banking system.
I. After receiving the online remittance transaction, the remittance banking system finishes fund accounting according to the currency and the accounting mode, and returns the transaction processing result to the bank card combined system;
J. the bank card combination system receives the online remittance transaction processing result returned by the remittance bank and returns the online remittance transaction processing result to the remittance bank.
Preferably, the step D includes:
the bank card combined system initiates a personal annual junction limit inquiry to the external office personal junction sales system;
d2, the foreign office personal junction sales collection system inquires whether the remittance amount exceeds the personal annual junction collection limit according to the identity card number of the payee, and returns the inquired result to the bank card combination system;
preferably, the step G includes:
g1, a bank card combined system initiates a personal annual junction limit inquiry to an external office personal junction sales and junction system;
g2, the personal junction and collection system of the outer bureau inquires whether the remittance amount exceeds the personal annual junction and collection limit according to the identity card number of the payee, and returns the inquired result to the bank card combination system;
g3, if the personal annual pooling limit query result of the payee is available, the bank card combined system continuously initiates the personal annual pooling limit update to the personal pooling system of the outer bureau; and
and G4, updating the annual balance limit of the payee according to the payee identification card number by the personal balance and collecting system of the foreign exchange, and returning the updating result to the bank card combination system.
Preferably, the step J further comprises:
K. for money transfer transactions where the money transfer verification is successful and the online money transfer transaction fails, the remittance bank may initiate a manual money transfer transaction to the bank card unification system. The manual remittance transaction can be cancelled on the Unionpay cross-border error processing platform before the end of the day;
and after receiving the manual remittance transaction, the L-bank card combined system directly gives a successful response and does not forward and remittance the manual remittance transaction to a bank in real time.
And M, during the day end processing, the bank card combined system is used for incorporating the successful and unremoved manual remittance transaction in the day into the clearing. After clearing, the manual money transfer transaction is sent to the issuing bank and the entering bank through the flow file.
And N, after receiving the manual money transfer transaction information, the remittance bank should check the account deposit condition of the remittance card account in time, and if the account deposit is not deposited on the remittance card account before the remittance bank, the related account deposit work should be completed in time.
Preferably, the step J or N further comprises:
after the daily bank card combined system finishes clearing, generating a cross-border money transfer international balance statistical report and a suspected 'split' money transfer transaction report, and reporting data to an external bureau international balance management information system;
and P, the external bureau international balance management information system receives the data file reported by the bank card combined system and returns a report result file to the bank card combined system.
As described above, the financial data processing system, the global rapid exchange system and the method thereof can monitor and process financial data in real time, and particularly, the global rapid exchange system and the method thereof can support multi-currency transaction, real-time account checking of funds, original currency account checking or RMB account checking, direct exchange of foreign exchange funds, real-time reporting of international balance statistics information, blacklist management and suspicious split transaction monitoring, provide more convenient, safe and efficient service for remitters, and provide more timely, accurate and normative data for supervision departments.
Drawings
FIG. 1 is a block diagram of the construction of a financial data processing system of the present invention.
FIG. 2 is a block diagram of one embodiment of a global speed sink system implemented by the financial data processing system of the present invention.
Fig. 3 is a block diagram of the construction of an off-the-shelf lead subsystem 210 in the global sink system of the present invention.
Fig. 4 is a specific flowchart of the global warming method of the present invention.
Detailed Description
The following presents a simplified summary of the invention in order to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of the invention.
FIG. 1 is a block diagram of the construction of a financial data processing system of the present invention.
As shown in fig. 1, the financial data processing system of the present invention is characterized by comprising:
the first data processing system 10 is configured to initiate a first data verification request to a data intermediate processing system 20, which is described below, and receive a first data verification result returned by the data intermediate processing system 20; for the data successfully verified, the data processing method is used for initiating a first data processing request to the data intermediate processing system 20, receiving a first data processing result returned by the data intermediate processing system 20, and for the data successfully verified by the first data processing request and failed by the first data processing request, initiating a third data processing request to the data intermediate processing system 20;
the data intermediate processing system 20 is configured to receive the first data verification request and the first data processing request sent by the first data processing system 10, transmit the first data verification request and the first data processing request to the second data processing system 30 for verification and processing, receive a second data verification result and a second data processing result returned by the second data processing system 30, send a first data monitoring request to the first data monitoring system 40, receive a first data monitoring request result returned by the first data monitoring system 40, return the first data monitoring request result, the second data verification request result and the second data processing request result to the first data processing system 10, receive a third data processing request initiated by the first data processing system 10, report a second data monitoring request to the second data monitoring system 40, and receive a second data monitoring request result returned by the second data monitoring system 50;
the second data processing system 30 is configured to receive the first data verification request and the first data processing request sent by the data intermediate processing system 20, and return the first data verification result and the first data processing result to the data intermediate processing system 20;
the first data monitoring system 40 is configured to receive a first data monitoring request sent by the data intermediate processing system 20, and return a result of the first data monitoring request to the data intermediate processing system 20; and
the second data monitoring system 50 is configured to receive a second data monitoring request sent by the data intermediate processing system, and return a result of the second data monitoring request to the data intermediate processing system 20.
Preferably, the data intermediate processing system 20 includes:
a pre-subsystem 21, interfacing with the first data processing system 20, an online processing subsystem 22 described below, and a first data monitoring system 40, for processing a first data verification request and a first data processing request sent by the first data processing system 10;
the online processing subsystem 22 is in butt joint with the front end subsystem 21, the first data processing system 20 and a clearing processing subsystem 23 which is described below and is used for receiving and processing a first data verification request and a first data processing request sent by the front end subsystem 21 and transmitting the first data verification request and the first data processing request to the second data processing system 30, receiving a second data verification result and a second data processing result returned by the second data processing system 30 and transmitting the second data verification result and the second data processing result to the front end subsystem 21, and in addition, is used for synchronizing the first data processing result which is successfully processed on the same day to the clearing processing subsystem 23;
a clearing processing subsystem 23 interfacing with the on-line processing subsystem 22, the second data monitoring system 50; the online processing subsystem 22 is used for receiving the first data processing result synchronized by the online processing subsystem 22, reporting second monitoring data to the second data monitoring system 50, and receiving second monitoring data reporting result data returned by the second data monitoring system 50, so as to complete suspicious split transaction monitoring;
an error handling platform 24 for accepting a third data processing request initiated by the first data processing system 20; and
and the management platform 25 is used for realizing system management and monitoring functions.
FIG. 2 is a block diagram of one embodiment of a global speed sink system implemented by the financial data processing system of the present invention.
As shown in fig. 2, the financial data processing system according to an embodiment of the present invention includes:
the remittance banking system 100 is used for initiating remittance verification transaction to the banking card united system 200 and receiving a verification result returned by the banking card united system 200; for the transaction successfully verified, the method is used for initiating an online remittance transaction to the bank card combined system 200 and receiving a transaction result returned by the bank card combined system 200; for the transaction that the verification is successful and the online remittance is failed, the transaction is used for initiating a manual remittance transaction to the bank card combination system 200, wherein the manual remittance transaction is an off-line transaction;
the bank card combination system 200 is used for receiving the money transfer verification transaction and the online money transfer transaction sent by the remittance banking system 100, and transmitting the money transfer verification transaction and the online money transfer transaction to the remittance banking system 500 for verification and processing; for receiving the verification result and the transaction processing result returned by the import-banking system 100; the system is used for initiating a personal annual junction and pooling limit inquiry and a personal annual junction and pooling limit update request to the external office personal junction and pooling system 300 and receiving inquiry results and update processing results returned by the external office personal junction and pooling system 300; for returning money transfer verification transaction results and online money transfer transaction processing results to the remittance banking system 500 based on the processing results; for accepting a manual money transfer transaction initiated by the outgoing banking system 100; for reporting international balance statistics related to cross-border money transfer to the external office international balance management information system 400 and receiving report result data returned from the external office international balance management information system 400;
the remittance banking system 300 is used for receiving the remittance verification transaction and the online remittance transaction sent by the bank card united system 500, and returning the verification result and the online remittance transaction processing result to the bank card united system 400;
the external bureau personal junction sales collection system 400 is configured to receive a personal annual junction collection limit query and a personal annual junction collection limit update request sent by the bank card combination system 200, and return a query result and an update processing result to the bank card combination system 200; and
the external bureau international balance management information system 500 is configured to receive international balance statistics related to cross-border money transfer submitted by the bank card association system 200, and return submitted result data to the bank card association system 200.
The bank card combination system 200 includes:
the overseas front-end subsystem 210 interfaces with the remittance banking system 100, an online processing subsystem 220, and an external office personal junction sales remittance system 300, and is used for processing remittance verification transactions and online remittance transactions sent by the remittance banking system 100;
the online processing subsystem 220 interfaces with the overseas lead subsystem 210, the remittance banking system 500, and a clearing processing subsystem 230 described below, and is configured to receive and process the remittance verification transaction and the online remittance transaction sent from the overseas lead subsystem 210, and transmit the same to the remittance banking system 500; for receiving the verification result and the transaction processing result returned by the remittance banking system 100 and transmitting them to the overseas lead subsystem 210 for synchronizing the cross-border remittance transaction data successfully processed on the same day to the clearing processing subsystem 230 described below;
the clearing processing subsystem 230 is in butt joint with the online processing subsystem 220 and the external office international balance management information system 400, and is used for receiving the cross-border money transfer transaction data which is synchronized by the online processing subsystem 220 and is successful in the day, reporting the international balance statistics data related to the cross-border money transfer to the external office international balance management information system 400, and receiving the report result data returned by the external office international balance management information system 400, so as to complete suspicious split transaction monitoring;
an error handling platform 240 for accepting manual money transfer transactions initiated by the outgoing banking system 100; and
the management platform 250 is used for implementing system management and monitoring functions.
Fig. 3 is a block diagram of the construction of the off-shore lead subsystem 210 in the global sink system of the present invention.
As shown in fig. 3, the overseas lead-in subsystem 210 further includes:
the money transfer verification processing module 211 is configured to receive a money transfer verification transaction sent from the remittance bank 100, invoke the following money transfer verification transaction service checking module 213 to perform service validity check, transmit the checked transaction to the online processing subsystem 220, receive a validation result of the remittance bank 100 returned by the online processing subsystem 220, invoke the following blacklist management module 214 to perform identity card number blacklist matching, invoke the following external tube personal sales and remittance system interface module 215 to perform personal annual balance inquiry, generate a money transfer verification transaction processing result according to the remittance verification result of the remittance bank 100, the blacklist checking result and the personal annual balance inquiry result, and return the money transfer verification transaction processing result to the remittance bank 500;
the online remittance transaction processing module 212 is configured to receive an online remittance transaction sent from the remittance bank 100, match an online remittance transaction request with a remittance verification transaction, invoke an interface module 215 of an external office personal junction sales remittance system described below to perform personal annual junction balance inquiry and personal annual junction balance update, and transmit a successfully processed transaction to the online processing subsystem 220, and is configured to receive an online remittance transaction processing result returned by the online processing subsystem 220 and return the online remittance transaction processing result to the remittance bank 500;
the money transfer verification transaction service check module 213 includes: the quota checking module is used for checking whether the cross-border remittance transaction amount exceeds a single quota and a Shan Kashan daily quota; the business opening checking module is used for checking whether the BIN of the sink card has opened business;
the blacklist management module 214 includes: the blacklist library is required to be established by the overseas front-end subsystem 210, and the sources and the bases of the blacklist are divided into two types: the first type is the money-back identification card number obtained according to the money-back information classification; the identity card number is used for avoiding personal junction annual management limit according to the fact that the card issuing bank reports a split mode; and a blacklist checking module, when processing remittance verification transaction, the remittance bank 100 needs to return complete name and identity document number of the payee to the bank card combined system 200 at the same time in the message when returning a successful response, and the bank card combined system 200 compares and verifies the identity document number of the payee in the transaction message with the blacklist library; and
an interface module 215 of an external office personal junction sales collection system, comprising: the personal annual junction limit query module is used for initiating a personal annual junction limit query to the external office personal junction sales and collection system 300 and receiving a query result returned by the external office personal junction sales and collection system 300; and the personal annual junction limit updating module is used for initiating a personal annual junction limit updating request to the external office personal junction sales and collection system 300 and receiving an updating processing result returned by the external office personal junction sales and collection system.
The overseas pre-processing subsystem 210 performs corresponding processing according to the blacklist checking result, including:
if the payee identity card number is in the list or it is checked that there is no identity card in the transaction message, a verification failure is returned to the remittance bank 100; if the payee identification number is not on the list, the card association 200 resumes other checks or returns a successful response back to the remittance bank 500. When a response is returned to the issuing bank 500, the card association system 200 intercepts the identity document information and cardholder name in the message and no longer returns to the issuing bank (unless specified otherwise by the local authorities).
Further, the overseas front-end subsystem 210 performs corresponding processing according to the personal annual junction limit query result, including:
if the inquiry interface is called to fail or the inquiry transaction is overtime, the inquiry result cannot be returned within the set time, the original transaction of the inquiry interface is processed according to the transaction failure, namely if the original transaction is a money transfer verification transaction, the money transfer verification is returned to fail, and the subsequent initiation of the online money transfer transaction by the remittance bank is not allowed; if the original transaction is an online money transfer transaction, returning to the online money transfer transaction.
If the annual junction limit of the individual exceeds the limit, the original transaction to which the individual belongs is processed according to the transaction failure, namely if the original transaction is a money transfer verification transaction, the money transfer verification is returned to fail, and the subsequent initiation of the online money transfer transaction by the remittance bank is not allowed; if the original transaction is an online money transfer transaction, returning to the online money transfer transaction.
The clearing processing subsystem 230 further includes:
the suspicious split transaction monitoring module is used for screening suspicious split transaction data, carrying out investigation and tracking management on suspicious transactions and generating a suspicious split remittance transaction report.
Next, specific steps of the global rapid sink method implemented by the global rapid sink system will be described.
Fig. 4 is a specific flowchart of the global warming method of the present invention.
As shown in fig. 4, the global speed sink method implemented by the global speed sink system implemented by the financial data processing system of the present invention includes the steps of:
A. the remittance banking system 100 initiates a money transfer verification transaction to the bank card association system 200;
B. after receiving the money transfer verification transaction, the bank card association system 200 invokes the money transfer verification transaction service check module 213 to check the service validity, and transmits the checked transaction to the money transfer bank system 300;
C. after receiving the money transfer verification transaction, the remittance banking system 300 verifies whether the account of the payee exists and whether the account state is valid, and if the verification is passed, the payee name and the identification card number are backfilled into the verification result information and returned to the bank card combination system 200;
D. after receiving the money transfer verification result returned by the remittance banking system 300, the bank card combination system 200 invokes the blacklist management module 214 to match the identity document number blacklist, and invokes the outer tube personal junction sales collection system interface module 215 to query the personal annual junction collection limit;
E. the bank card combination system 200 generates a money transfer verification transaction processing result according to the remittance verification result of the remittance bank, the blacklist checking result and the personal annual remittance limit inquiry result, and returns the money transfer verification transaction processing result to the remittance bank 100;
F. for a money transfer verification successful transaction, the sender may choose to proceed with the online money transfer transaction or may choose to withdraw. In the event that the sender chooses to continue the online money transfer transaction, the outgoing bank 100 first withholds money and initiates the online money transfer transaction to the combined bank card system 200;
G. after receiving the online remittance transaction, the bank card association system 200 matches the online remittance transaction request with the remittance verification transaction and invokes the outer tube personal junction sales collection system interface module 215 to perform personal annual junction collection limit inquiry and personal annual junction collection limit update;
H. the bank card association system 200 transmits the successfully processed online money transfer transaction to the importation banking system 300;
I. after receiving the online remittance transaction, the remittance banking system 300 completes the fund accounting according to the currency and the accounting mode, and returns the transaction processing result to the bank card combination system 200; and
J. the bank card combination system 200 receives the online remittance transaction processing result returned by the remittance bank and returns the online remittance transaction processing result to the remittance bank 100;
K. for money transfer transactions that are successful in money transfer verification and failed in online money transfer transactions, the exporting bank 100 may initiate a manual money transfer transaction to the bank card association system 200, which may be withdrawn on the error handling platform 240 prior to the end of the day;
after receiving the manual remittance transaction, the L-bank card combined system 200 directly gives a successful response and does not forward and remittance the manual remittance transaction to a bank in real time;
m, at the time of day end processing, the bank card combination system 200 receives the manual money transfer transaction which is successful and not withdrawn in the day into a clearing, and after the clearing, the manual money transfer transaction is sent to the remittance bank 100 and the remittance bank 300 through the flow file;
and N, after receiving the manual remittance transaction information, the remittance bank 300 should check the account-depositing condition of the remittance card account in time, and if the account-depositing condition is not checked for the remittance card account before the remittance bank, the related account-depositing work should be completed in time.
Steps K to N are preferable steps and are not shown.
Further, the step D specifically includes the following substeps:
d1, the bank card combination system 200 initiates a personal annual junction and junction limit query to the external office personal junction and junction sales system 400;
d2, the foreign office personal junction sales collection system 400 inquires whether the remittance amount exceeds the personal annual junction limit according to the payee identification card number, and returns the inquired result to the bank card combination system 200 (wherein, the substeps of D1 and D2 are not shown).
Wherein, the step G comprises the following substeps:
g1, the bank card combination system 200 initiates a personal annual junction and junction limit query to the external office personal junction and junction sales system 400;
g2, the foreign office personal junction sales collection system 200 inquires whether the remittance amount exceeds the personal annual junction collection limit according to the identity card number of the payee, and returns the inquired result to the bank card combination system 200;
if the personal annual junction limit query result of the payee is available, the bank card combination system 200 continues to initiate the personal annual junction limit update to the external office personal junction sales system 400; and
g4, the foreign office personal balance system 400 updates the personal annual balance limit of the payee according to the payee ID card number, and returns the updated result to the bank card combination system 200 (in which, the sub-steps G1 to G4 are not shown).
On the other hand, the method further comprises the following steps after the step J or N:
after the daily bank card combination system 200 finishes clearing, generating a cross-border money transfer international balance statistical report and a suspected "split" money transfer transaction report, and reporting data to the external bureau international balance management information system 500;
the international balance management information system 500 of the foreign bureau receives the data file sent by the bank card combination system 200, and returns the sending result file to the bank card combination system (O, P is not shown).
As described above, the financial data processing system, the global rapid exchange system and the method thereof can monitor and process financial data in real time, and particularly, the global rapid exchange system and the method thereof can support multi-currency transaction, real-time account checking of funds, original currency account checking or RMB account checking, direct exchange of foreign exchange funds, real-time reporting of international balance statistics information, blacklist management and suspicious split transaction monitoring, provide more convenient, safe and efficient service for remitters, and provide more timely, accurate and normative data for supervision departments.
The foregoing examples generally illustrate the financial data processing system and global speed sink system and method of the present invention. Although only a few specific embodiments of the present invention have been described, those skilled in the art will appreciate that the present invention may be embodied in many other forms without departing from the spirit or scope thereof. Accordingly, the present examples and embodiments are to be considered as illustrative and not restrictive, and the invention is intended to cover various modifications and substitutions without departing from the spirit and scope of the invention as defined by the appended claims.
Claims (4)
1. A global speed sink system, comprising:
the remittance banking system is used for initiating remittance verification transaction to the banking card united system and receiving a verification result returned by the banking card united system; for the successful transaction, the method is used for initiating online remittance transaction to the bank card united system, receiving a transaction result returned by the bank card united system, and for the successful transaction which fails online remittance, the method is used for initiating manual remittance transaction to the bank card united system, wherein the manual remittance transaction is off-line transaction;
the bank card combination system is used for receiving the remittance verification transaction and the online remittance transaction sent by the remittance banking system and transmitting the remittance verification transaction and the online remittance transaction to the remittance banking system for verification and processing; the system is used for receiving a verification result and a transaction processing result returned by the remittance banking system; the system is used for initiating a personal annual junction limit inquiry and a personal annual junction limit update request to the external office personal junction sales collection system and receiving an inquiry result and an update processing result returned by the external office personal junction sales collection system; the system is used for returning a remittance verification transaction result and an online remittance transaction processing result to the remittance banking system according to the processing result, and is used for accepting manual remittance transactions initiated by the remittance banking system; the system is used for reporting the international balance statistical data related to the cross-border remittance to the external office international balance management information system and receiving the report result data returned by the external office international balance management information system;
the remittance banking system is used for receiving the remittance verification transaction and the online remittance transaction from the banking card combined system and returning the verification result and the online remittance transaction processing result to the banking card combined system;
the personal junction sales collection system of the outer bureau is used for receiving the personal annual junction collection limit inquiry and the personal annual junction collection limit update request sent by the bank card combined system, and returning the inquiry result and the update processing result to the bank card combined system; and
the external bureau international balance management information system is used for receiving the international balance statistical data related to the cross-border remittance reported by the bank card combined system and returning report result data to the bank card combined system,
the bank card combination system comprises:
the overseas front-end subsystem is in butt joint with the remittance bank system, an online processing subsystem and an external office personal junction selling and remittance system and is used for processing remittance verification transactions and online remittance transactions sent by the remittance bank system;
the online processing subsystem is in butt joint with the overseas prepositive subsystem, the remittance banking system and the clearing processing subsystem which are described below and is used for receiving and processing remittance verification transactions and online remittance transactions sent by the overseas prepositive subsystem, transmitting the remittance verification transactions and the online remittance transactions to the remittance banking system, receiving verification results and transaction processing results returned by the remittance banking system, transmitting the verification results and the transaction processing results to the overseas prepositive subsystem and synchronizing cross-border remittance transaction data which are processed successfully on the same day to the clearing processing subsystem which is described below;
the clearing processing subsystem is in butt joint with the online processing subsystem and the external office international balance management information system and is used for receiving the cross-border money transfer transaction data which are synchronized by the online processing subsystem and are successful in the day, reporting the international balance statistics data related to the cross-border money transfer to the external office international balance management information system and receiving the report result data returned by the external office international balance management information system, and finishing suspicious split transaction monitoring;
the error processing platform is used for accepting manual remittance transaction initiated by the remittance banking system; and
the management platform is used for realizing the system management and monitoring functions,
wherein the overseas lead subsystem comprises:
the money transfer verification processing module is used for receiving money transfer verification transaction sent by an outgoing bank, calling the following money transfer verification transaction service checking module to check service effectiveness, transmitting the checked transaction to the online processing subsystem, receiving an incoming bank verification result returned by the online processing subsystem, calling the following blacklist management module to match an identity document number blacklist, calling the following outer tube personal junction and sale collection system interface module to inquire personal annual junction limit, generating a money transfer verification transaction processing result according to the incoming bank money transfer verification result, the blacklist checking result and the personal annual junction limit inquiring result, and returning the money transfer verification transaction processing result to an outgoing bank;
a blacklist management module, which comprises: the blacklist library is used for storing blacklists; and the blacklist checking module is used for comparing and verifying the identification number of the payee in the transaction message with the blacklist library by the bank card combined system when the remittance verification transaction is processed and the successful response is returned by the remittance bank.
2. The global sink system of claim 1,
the overseas lead subsystem further comprises:
the online remittance transaction processing module is used for receiving online remittance transactions sent by the remittance banks, matching an online remittance transaction request with remittance verification transactions, calling an interface module of an external office personal junction sales collection system to perform personal annual junction limit inquiry and personal annual junction limit update, transmitting the successfully processed transactions to the online processing subsystem, and receiving online remittance transaction processing results of the remittance banks returned by the online processing subsystem and returning the online remittance transaction processing results to the remittance banks;
a money transfer verification transaction service inspection module is provided with: the quota checking module is used for checking whether the cross-border remittance transaction amount exceeds a single quota and a Shan Kashan daily quota; the business opening checking module is used for checking whether the BIN of the sink card has opened business; and
an interface module for an external office personal junction sales collection system, comprising: the personal annual junction limit query module is used for initiating personal annual junction limit query to the external office personal junction sales and collection system and receiving a query result returned by the external office personal junction sales and collection system; and the personal annual junction limit updating module is used for initiating a personal annual junction limit updating request to the external office personal junction sales and collection system and receiving an updating processing result returned by the external office personal junction sales and collection system.
3. The global sink system of claim 2,
the overseas front-end subsystem performs corresponding processing according to the personal annual junction limit query result, and comprises the following steps:
if the inquiry interface is called to fail or the inquiry transaction is overtime, the inquiry result cannot be returned within the set time, the original transaction of the inquiry interface is processed according to the transaction failure, namely if the original transaction is a money transfer verification transaction, the money transfer verification is returned to fail, and the subsequent initiation of the online money transfer transaction by the remittance bank is not allowed; if the original transaction is an online remittance transaction, returning to failure of the online remittance transaction; if the annual junction limit of the individual exceeds the limit, the original transaction to which the individual belongs is processed according to the transaction failure, namely if the original transaction is a money transfer verification transaction, the money transfer verification is returned to fail, and the subsequent initiation of the online money transfer transaction by the remittance bank is not allowed; if the original transaction is an online money transfer transaction, returning to the online money transfer transaction.
4. The global sink system of claim 3,
the clearing processing subsystem further includes:
the suspicious split transaction monitoring module is used for screening suspicious split transaction data, carrying out investigation and tracking management on suspicious transactions and generating a suspicious split remittance transaction report.
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| CN108961060A (en) * | 2018-07-16 | 2018-12-07 | 中国银行股份有限公司 | A kind of abnormality eliminating method and system of cross-border money transfer transactions |
| CN109583826B (en) * | 2018-09-28 | 2022-09-13 | 创新先进技术有限公司 | Declaration file generation method, declaration file generation device, server and readable storage medium |
| CN110009351A (en) * | 2019-03-29 | 2019-07-12 | 上海盛付通电子支付服务有限公司 | Method and apparatus for generation hair verification |
| 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 |
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