CN109472688A - A kind of fund clearing method and apparatus - Google Patents
A kind of fund clearing method and apparatus Download PDFInfo
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- CN109472688A CN109472688A CN201811230361.XA CN201811230361A CN109472688A CN 109472688 A CN109472688 A CN 109472688A CN 201811230361 A CN201811230361 A CN 201811230361A CN 109472688 A CN109472688 A CN 109472688A
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- G—PHYSICS
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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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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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
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Abstract
The embodiment of the invention provides a kind of fund clearing method and apparatus, this method comprises: receiving the flowing water reconciliation file that multiple banks upload, flowing water reconciliation file includes: serial number, receipt and payment account, transaction amount, trade date, currency type；Flowing water reconciliation file is parsed according to default template, wherein default template is determined by the field that flowing water reconciliation file includes；Fund clearing is carried out according to the flowing water reconciliation file after parsing, obtains fund clearing data；Fund clearing data are sent to multiple banks.Therefore, technical solution provided in an embodiment of the present invention is able to solve the problem of artificial fund clearing low efficiency in the prior art.
Description
[technical field]
The present invention relates to technical field of data processing more particularly to a kind of fund clearing method and apparatus.
[background technique]
Fund clearing is carried out to bank at present, fund clearing is mainly carried out by manual method, it is very big in data volume
In the case of, this method takes time and effort, and efficiency is very low.
[summary of the invention]
In view of this, the embodiment of the invention provides a kind of fund clearing method and apparatus, to solve prior art people
The problem of work fund clearing low efficiency.
On the one hand, the embodiment of the invention provides a kind of fund clearing methods, which comprises receives in multiple banks
The flowing water reconciliation file of biography, the flowing water reconciliation file include: serial number, receipt and payment account, transaction amount, trade date, currency type；
The flowing water reconciliation file is parsed according to default template, wherein the word that the default template includes by the flowing water reconciliation file
Section determines；Fund clearing is carried out according to the flowing water reconciliation file after parsing, obtains fund clearing data；It is sent out to multiple banks
Send the fund clearing data.
Further, each bank is associated with a default template, and the basis presets template and parses the flowing water
Reconciliation file, comprising: the source bank for inquiring the flowing water reconciliation file obtains target bank；The target bank is searched to close
The default template of connection obtains target and presets template；Template, which is preset, according to the target parses the flowing water reconciliation file.
Further, after the fund clearing data to multiple banks' transmissions, the method also includes:
Receive bank transaction flowing water reconciliation file；After the bank transaction flowing water reconciliation file fund reconciliation, to Accreditation System and/
Or financial system exports the fund clearing data.
Further, the flowing water reconciliation file for receiving multiple banks and uploading, comprising: receive the stream that the bank sends
Water reconciliation file imports request；It imports and requests in response to the flowing water reconciliation file, Xiang Suoshu bank shows flowing water reconciliation file
Import template；From the bank fill in after the completion of the flowing water reconciliation file import in template and extract flowing water reconciliation text
Part.
Further, the flowing water reconciliation file according to after parsing carries out fund clearing, comprising: judges that current time is
It is no to reach preset time point；If the current time reaches the preset time point, according to the flowing water reconciliation text after parsing
Part carries out fund clearing, or, judging whether the data volume of the flowing water reconciliation file reaches the first default value；If the stream
The data volume of water reconciliation file reaches first default value, then it is clear to carry out fund according to the flowing water reconciliation file after parsing
It calculates, or, judging whether the quantity for uploading the bank of the flowing water reconciliation file reaches the second default value；If uploading the stream
The quantity of the bank of water reconciliation file reaches second default value, then carries out fund according to the flowing water reconciliation file after parsing
Clearance.
On the one hand, the embodiment of the invention provides a kind of fund clearing device, described device includes: the first receiving unit,
The flowing water reconciliation file uploaded for receiving multiple banks, the flowing water reconciliation file include: serial number, receipt and payment account, transaction
The amount of money, trade date, currency type；Resolution unit, for parsing the flowing water reconciliation file according to default template, wherein described pre-
If template is determined by the field that the flowing water reconciliation file includes；Unit is cleared, for according to the flowing water reconciliation file after parsing
Fund clearing is carried out, fund transmission unit is obtained, for sending the fund clearing data to multiple banks.
Further, each bank is associated with a default template, and the resolution unit includes: inquiry subelement,
For inquiring the source bank of the flowing water reconciliation file, target bank is obtained；Subelement is searched, for searching the target silver
The associated default template of row obtains target and presets template；Parsing subunit, for presetting template parsing according to the target
The flowing water reconciliation file.
Further, described device further include: the second receiving unit, in the transmission unit to multiple banks
After sending the fund clearing data, bank transaction flowing water reconciliation file is received；Output unit, for being handed over according to the bank
After easy flowing water reconciliation file fund reconciliation, the fund clearing data are exported to Accreditation System and/or financial system.
Further, first receiving unit includes: receiving subelement, the flowing water pair sent for receiving the bank
Account file imports request；It shows subelement, is requested for being imported in response to the flowing water reconciliation file, Xiang Suoshu bank shows stream
Water reconciliation file imports template；Subelement is extracted, is imported for the flowing water reconciliation file after the completion of being filled in from the bank
The flowing water reconciliation file is extracted in template.
Further, the clearance unit includes: the first clearance subelement, is used for: judging whether current time reaches pre-
If time point；If the current time reaches the preset time point, provided according to the flowing water reconciliation file after parsing
Gold clearance, or, the second clearance subelement, is used for: judging whether the data volume of the flowing water reconciliation file reaches the first present count
Value；If the data volume of the flowing water reconciliation file reaches first default value, according to the flowing water reconciliation text after parsing
Part carries out fund clearing, or, third clears subelement, is used for: the quantity that judgement uploads the bank of the flowing water reconciliation file is
It is no to reach the second default value；If the quantity for uploading the bank of the flowing water reconciliation file reaches second default value,
Fund clearing is then carried out according to the flowing water reconciliation file after parsing.
On the one hand, the embodiment of the invention provides a kind of storage medium, the storage medium includes the program of storage,
In, equipment where controlling the storage medium in described program operation executes above-mentioned fund clearing method.
On the one hand, the embodiment of the invention provides a kind of server, including memory and processor, the memory is used for
Storage includes the information of program instruction, and the processor is used to control the execution of program instruction, and described program is instructed by processor
The step of loading and realizing above-mentioned fund clearing method when executing.
In the present solution, receiving the flowing water reconciliation file of multiple banks' uploads, it is literary to parse flowing water reconciliation according to default template
Part carries out fund clearing according to the flowing water reconciliation file after parsing, obtains fund clearing data, and it is clear to send fund to multiple banks
The problem of count evidence, realizes fund clearing, avoids inefficiency caused by artificial fund clearing, has reached raising fund clearing
Efficiency effect.
[Detailed description of the invention]
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be to needed in the embodiment attached
Figure is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this field
For those of ordinary skill, without any creative labor, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 is a kind of flow chart of fund clearing method according to an embodiment of the present invention；
Fig. 2 is a kind of schematic diagram of fund clearing device according to an embodiment of the present invention.
[specific embodiment]
For a better understanding of the technical solution of the present invention, being retouched in detail to the embodiment of the present invention with reference to the accompanying drawing
It states.
It will be appreciated that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Base
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts it is all its
Its embodiment, shall fall within the protection scope of the present invention.
The term used in embodiments of the present invention is only to be not intended to be limiting merely for for the purpose of describing particular embodiments
The present invention.In the embodiment of the present invention and the "an" of singular used in the attached claims, " described " and "the"
It is also intended to including most forms, unless the context clearly indicates other meaning.
It should be appreciated that term "and/or" used herein is only a kind of incidence relation for describing affiliated partner, indicate
There may be three kinds of relationships, for example, A and/or B, can indicate: individualism A, exist simultaneously A and B, individualism B these three
Situation.In addition, character "/" herein, typicallys represent the relationship that forward-backward correlation object is a kind of "or".
The embodiment of the invention provides a kind of fund clearing methods, as shown in Figure 1, this method comprises the following steps:
Step S102 receives the flowing water reconciliation file that multiple banks upload, and flowing water reconciliation file includes: serial number, receipt and payment
Account, transaction amount, trade date, currency type.
Step S104 parses flowing water reconciliation file according to default template, wherein presetting template by flowing water reconciliation file includes
Field determine.
Step S106 carries out fund clearing according to the flowing water reconciliation file after parsing, obtains fund clearing data.
Step S108 sends fund clearing data to multiple banks.
Fund clearing (capital settlement) is to handle fund allocation and transfer between financial institution, transfer payment and settlement money
, and the liquidation for owing progress is deposited to thus caused fund.
In the present solution, receiving the flowing water reconciliation file of multiple banks' uploads, it is literary to parse flowing water reconciliation according to default template
Part carries out fund clearing according to the flowing water reconciliation file after parsing, obtains fund clearing data, and it is clear to send fund to multiple banks
The problem of count evidence, realizes fund clearing, avoids inefficiency caused by artificial fund clearing, has reached raising fund clearing
Efficiency effect.
As an alternative embodiment, each bank is associated with a default template, according to default template solution
Analyse flowing water reconciliation file, comprising: the source bank of inquiry flowing water reconciliation file obtains target bank；Search the association of target bank
Default template, obtain target preset template；Template parsing flowing water reconciliation file is preset according to target.By searching for flowing water reconciliation
The associated default template of the source bank of file, and flowing water reconciliation file is parsed according to the default template found, it reaches
The effect for targetedly parsing flowing water reconciliation file is arrived.
The file format of flowing water reconciliation file from different bank is not necessarily identical, and the field for including is also not necessarily complete
It is identical, it may is that according to the detailed process that target presets template parsing flowing water reconciliation file and template preset for flowing water according to target
The file format of reconciliation file is converted to default file format, after format converts, extracts the content of preset field, wherein
Preset field may include indicating field, the field of exchange hour etc. of transaction amount.
For example, inquiry table 1 is it is found that the source bank of flowing water reconciliation file F1 is bank B3, inquiry table 2 is it is found that bank B3
Associated default template is default template M14, then presetting template M14 is that target presets template, is parsed according to default template M14
Flowing water reconciliation file F1.
Table 1
| Flowing water reconciliation file | Source bank |
| Flowing water reconciliation file F1 | Bank B3 |
| Flowing water reconciliation file F2 | Bank B3 |
| Flowing water reconciliation file F3 | Bank B1 |
| Flowing water reconciliation file F4 | Bank B2 |
| Flowing water reconciliation file F5 | Bank B2 |
| Flowing water reconciliation file F6 | Bank B1 |
| Flowing water reconciliation file F7 | Bank B3 |
| Flowing water reconciliation file F8 | Bank B1 |
| Flowing water reconciliation file F9 | Bank B3 |
Table 2
| Bank | Default template |
| Bank B1 | Default template M22 |
| Bank B2 | Default template M13 |
| Bank B3 | Default template M14 |
As an alternative embodiment, receiving bank transaction after sending fund clearing data to multiple banks
Flowing water reconciliation file, after bank transaction flowing water reconciliation file fund reconciliation, to Accreditation System and/or financial system output money
Gold clearance data reduce labor workload by sending Accreditation System/financial system for correct fund reconciliation data.
As an alternative embodiment, receiving the flowing water reconciliation file that multiple banks upload, comprising: receive bank's hair
The flowing water reconciliation file sent imports request；It imports and requests in response to flowing water reconciliation file, show that flowing water reconciliation file is led to bank
Enter template；From bank fill in after the completion of flowing water reconciliation file import template in extract flowing water reconciliation file.
Bank's flowing water reconciliation file generally includes the words such as serial number/receipt and payment account/transaction amount/trade date/currency type
Section, however the flowing water reconciliation file of every bank be all it is discrepant, in response to this, provide a set of bank's flowing water reconciliation text
The general importing template of part；And realize flowing water verification/flowing water Duplicate Removal Algorithm of different bank.Bank's flowing water is supported in fund reconciliation
Automatic reconciliation.
The embodiment of the invention provides a set of payment and settlement systems.The payment and settlement system docks the intermediate system of bank's networking
System supports more banks colleague/inter-bank fund clearing.Real estate finance system payment instruction clearance is realized, instead of former
Traditional manual book keeping operation.It transfers accounts for different bank colleague/inter-bank, most of bank's networking intermediate system that works is completed, but
It is that operation system also needs to do some differentiation processing, by taking bank's Instant Transfer as an example, beneficiary can not be had to and join line number.
As an alternative embodiment, carrying out fund clearing according to the flowing water reconciliation file after parsing, can be
What preset time point executed, such as preset time point is 12 o'clock sharps, 15 o'clock sharps, 18 o'clock sharps of every day etc..It specifically includes: judgement
Whether current time reaches preset time point；If current time reaches preset time point, according to the flowing water reconciliation after parsing
File carries out fund clearing.
By the way that the timing node for starting to carry out fund clearing is arranged, arrival time node starts to carry out fund clearing, behaviour
Make very convenient, while having achieved the effect that periodical progress fund clearing.
As an alternative embodiment, carrying out fund clearing according to the flowing water reconciliation file after parsing, can be
The data volume for carrying out fund clearing is needed to execute when reaching default value.It specifically includes: judging the data of flowing water reconciliation file
Whether amount reaches the first default value；If the data volume of flowing water reconciliation file reaches the first default value, after parsing
Flowing water reconciliation file carry out fund clearing.
If the data volume of flowing water reconciliation file reaches the first default value, illustrate the data volume ratio of pending fund clearing
Larger, progress fund clearing, which can be avoided, in this case calculates pressure caused by pending data is packed together, rationally
Computing resource is used.
As an alternative embodiment, carrying out fund clearing according to the flowing water reconciliation file after parsing, can be
The bank for uploading flowing water reconciliation file reaches to be executed when default value.Specifically include: judgement uploads the silver of flowing water reconciliation file
Whether capable quantity reaches the second default value；If the quantity for uploading the bank of flowing water reconciliation file reaches the second present count
Value then carries out fund clearing according to the flowing water reconciliation file after parsing.
If the quantity for uploading the bank of flowing water reconciliation file is more, illustrate that the demand of fund clearing is more urgent,
In this case, fund clearing data after the completion of fund clearing, are sent to financial system in time by the step of executing fund clearing
System, avoids business personnel from falling into a long wait.
Fund is judged after obtaining fund clearing data carrying out fund clearing according to the flowing water reconciliation file after parsing
Whether abnormal clear data；If fund clearing data exception, prompt information is exported, prompt information is for prompting fund clearing
Data exception.Prompt information is exported if fund clearing data exception, administrative staff are known that fund after seeing prompt information
It clears data and exception occurs, in this case, carry out artificial fund clearing.Due to there are abnormal fund clearing data complete
Shared ratio very little in portion's fund clearing data, therefore, it is necessary to smaller, the Bu Huizao that carries out the data volume of artificial fund clearing
At burden.
The embodiment of the invention provides a kind of fund clearing device, the device is for executing above-mentioned fund clearing method, such as
Shown in Fig. 2, which includes: the first receiving unit 10, resolution unit 20, clearance unit 30, transmission unit 40.
First receiving unit 10, the flowing water reconciliation file uploaded for receiving multiple banks, flowing water reconciliation file include: stream
Water number, receipt and payment account, transaction amount, trade date, currency type.
Resolution unit 20, for parsing flowing water reconciliation file according to default template, wherein default template is by flowing water reconciliation text
The field that part includes determines.
Unit 30 is cleared, for carrying out fund clearing according to the flowing water reconciliation file after parsing, obtains fund clearing data.
Transmission unit 40, for sending fund clearing data to multiple banks.
Fund clearing (capital settlement) is to handle fund allocation and transfer between financial institution, transfer payment and settlement money
, and the liquidation for owing progress is deposited to thus caused fund.
In the present solution, receiving the flowing water reconciliation file of multiple banks' uploads, it is literary to parse flowing water reconciliation according to default template
Part carries out fund clearing according to the flowing water reconciliation file after parsing, obtains fund clearing data, and it is clear to send fund to multiple banks
The problem of count evidence, realizes fund clearing, avoids inefficiency caused by artificial fund clearing, has reached raising fund clearing
Efficiency effect.
Optionally, each bank is associated with a default template, and resolution unit 20 includes: inquiry subelement, parsing
Subelement.It inquires subelement and obtains target bank for inquiring the source bank of flowing water reconciliation file.Subelement is searched, is used for
The associated default template of target bank is searched, target is obtained and presets template.Parsing subunit, for presetting template solution according to target
Analyse flowing water reconciliation file.
The field that flowing water reconciliation file from different bank includes is not necessarily identical, by searching for flowing water reconciliation text
The associated default template of the source bank of part, and flowing water reconciliation file is parsed according to the default template found, reach
Targetedly parse the effect of flowing water reconciliation file.
For example, inquiry table 1 is it is found that the source bank of flowing water reconciliation file F1 is bank B3, inquiry table 2 is it is found that bank B3
Associated default template is default template M14, then presetting template M14 is that target presets template, is parsed according to default template M14
Flowing water reconciliation file F1.
Optionally, device further include: the second receiving unit, output unit.Second receiving unit, in transmission unit 40
After sending fund clearing data to multiple banks, bank transaction flowing water reconciliation file is received.Output unit, for according to bank
After transaction journal reconciliation file fund reconciliation, data are cleared to Accreditation System and/or financial system finance of export.By will be correct
Fund reconciliation data be sent to Accreditation System/financial system, reduce labor workload.
Optionally, the first receiving unit 10 includes: receiving subelement, shows subelement, extracts subelement.It is single to receive son
Member, the flowing water reconciliation file for receiving bank's transmission import request.Subelement is shown, for leading in response to flowing water reconciliation file
Enter request, shows that flowing water reconciliation file imports template to bank.Subelement is extracted, for the flowing water pair after the completion of filling in from bank
Account file, which imports, extracts flowing water reconciliation file in template.
The embodiment of the invention provides a set of payment and settlement systems.The payment and settlement system docks the intermediate system of bank's networking
System supports more banks colleague/inter-bank fund clearing.Real estate finance system payment instruction clearance is realized, instead of former
Traditional manual book keeping operation.It transfers accounts for different bank colleague/inter-bank, most of bank's networking intermediate system that works is completed, but
It is that operation system also needs to do some differentiation processing, by taking bank's Instant Transfer as an example, beneficiary can not be had to and join line number.
Optionally, clearance unit 30 includes: the first clearance subelement.First clearance subelement, is used for: judging current time
Whether preset time point is reached；If current time reaches preset time point, carried out according to the flowing water reconciliation file after parsing
Fund clearing.
By the way that the timing node for starting to carry out fund clearing is arranged, arrival time node starts to carry out fund clearing, behaviour
Make very convenient, while having achieved the effect that periodical progress fund clearing.
Optionally, clearance unit 30 includes: the second clearance subelement.Second clearance subelement, is used for: judging flowing water reconciliation
Whether the data volume of file reaches the first default value；If the data volume of flowing water reconciliation file reaches the first default value,
Fund clearing is carried out according to the flowing water reconciliation file after parsing.
If the data volume of flowing water reconciliation file reaches the first default value, illustrate the data volume ratio of pending fund clearing
Larger, progress fund clearing, which can be avoided, in this case calculates pressure caused by pending data is packed together, rationally
Computing resource is used.
Optionally, clearance unit 30 includes: third clearance subelement.Third clears subelement, is used for: judgement uploads flowing water
Whether the quantity of the bank of reconciliation file reaches the second default value；If the quantity for uploading the bank of flowing water reconciliation file reaches
Second default value then carries out fund clearing according to the flowing water reconciliation file after parsing.
If the quantity for uploading the bank of flowing water reconciliation file is more, illustrate that the demand of fund clearing is more urgent,
In this case, fund clearing data after the completion of fund clearing, are sent to financial system in time by the step of executing fund clearing
System, avoids business personnel from falling into a long wait.
Fund is judged after obtaining fund clearing data carrying out fund clearing according to the flowing water reconciliation file after parsing
Whether abnormal clear data；If fund clearing data exception, prompt information is exported, prompt information is for prompting fund clearing
Data exception.Prompt information is exported if fund clearing data exception, administrative staff are known that fund after seeing prompt information
It clears data and exception occurs, in this case, carry out artificial fund clearing.Due to there are abnormal fund clearing data complete
Shared ratio very little in portion's fund clearing data, therefore, it is necessary to smaller, the Bu Huizao that carries out the data volume of artificial fund clearing
At burden.
The embodiment of the invention provides a kind of storage medium, storage medium includes the program of storage, wherein is run in program
When equipment where control storage medium execute following steps: receive the flowing water reconciliation file that multiple banks upload, flowing water reconciliation text
Part includes: serial number, receipt and payment account, transaction amount, trade date, currency type；Flowing water reconciliation file is parsed according to default template,
In, default template is determined by the field that flowing water reconciliation file includes；Fund clearing is carried out according to the flowing water reconciliation file after parsing,
Obtain fund clearing data；Fund clearing data are sent to multiple banks.
Optionally, when program is run, equipment where control storage medium executes following steps: inquiry flowing water reconciliation file
Source bank, obtain target bank；The associated default template of target bank is searched, target is obtained and presets template；According to target
Default template parses flowing water reconciliation file.
Optionally, when program is run, equipment where control storage medium executes following steps: sending to multiple banks
After fund clearing data, bank transaction flowing water reconciliation file is received；After bank transaction flowing water reconciliation file fund reconciliation,
Data are cleared to Accreditation System and/or financial system finance of export.
Optionally, when program is run, equipment where control storage medium executes following steps: receiving the stream that bank sends
Water reconciliation file imports request；It imports and requests in response to flowing water reconciliation file, show that flowing water reconciliation file imports template to bank；
From bank fill in after the completion of flowing water reconciliation file import template in extract flowing water reconciliation file.
Optionally, when program is run, equipment where control storage medium executes following steps: whether judging current time
Reach preset time point；If current time reaches preset time point, fund is carried out according to the flowing water reconciliation file after parsing
Clearance, or, judging whether the data volume of flowing water reconciliation file reaches the first default value；If the data volume of flowing water reconciliation file
Reach the first default value, then fund clearing is carried out according to the flowing water reconciliation file after parsing, or, judgement uploads flowing water reconciliation text
Whether the quantity of the bank of part reaches the second default value；If it is pre- that the quantity for uploading the bank of flowing water reconciliation file reaches second
If numerical value, then fund clearing is carried out according to the flowing water reconciliation file after parsing.
The embodiment of the invention provides a kind of server, including memory and processor, memory includes journey for storing
The information of sequence instruction, processor are used to control the execution of program instruction, when program instruction load and is executed by processor realization with
Lower step: the flowing water reconciliation file that multiple banks upload is received, flowing water reconciliation file includes: serial number, receipt and payment account, trade gold
Volume, trade date, currency type；Flowing water reconciliation file is parsed according to default template, wherein presetting template by flowing water reconciliation file includes
Field determine；Fund clearing is carried out according to the flowing water reconciliation file after parsing, obtains fund clearing data；It is sent out to multiple banks
Send fund clearing data.
Optionally, coming for inquiry flowing water reconciliation file is performed the steps of when program instruction is loaded and executed by processor
Source bank obtains target bank；The associated default template of target bank is searched, target is obtained and presets template；It is default according to target
Template parses flowing water reconciliation file.
Optionally, it is performed the steps of when program instruction is loaded and executed by processor and is sending fund to multiple banks
After clearing data, bank transaction flowing water reconciliation file is received；After bank transaction flowing water reconciliation file fund reconciliation, to system
Card system and/or financial system finance of export clear data.
Optionally, it is performed the steps of when program instruction is loaded and executed by processor and receives the flowing water pair that bank sends
Account file imports request；It imports and requests in response to flowing water reconciliation file, show that flowing water reconciliation file imports template to bank；From silver
Flowing water reconciliation file after the completion of row is filled in imports extraction flowing water reconciliation file in template.
Optionally, it is performed the steps of when program instruction is loaded and executed by processor and judges whether current time reaches
Preset time point；If current time reaches preset time point, fund clearing is carried out according to the flowing water reconciliation file after parsing,
Or, judging whether the data volume of flowing water reconciliation file reaches the first default value；If the data volume of flowing water reconciliation file reaches
First default value then carries out fund clearing according to the flowing water reconciliation file after parsing, or, judgement uploads flowing water reconciliation file
Whether the quantity of bank reaches the second default value；If the quantity for uploading the bank of flowing water reconciliation file reaches the second present count
Value then carries out fund clearing according to the flowing water reconciliation file after parsing.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided by the present invention, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, for example, multiple units or group
Part can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown
Or the mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, device or unit it is indirect
Coupling or communication connection can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of hardware adds SFU software functional unit.
The above-mentioned integrated unit being realized in the form of SFU software functional unit can store and computer-readable deposit at one
In storage media.Above-mentioned SFU software functional unit is stored in a storage medium, including some instructions are used so that a computer
It is each that device (can be personal computer, server or network equipment etc.) or processor (Processor) execute the present invention
The part steps of embodiment the method.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (Read-
Only Memory, ROM), random access memory (Random Access Memory, RAM), magnetic or disk etc. it is various
It can store the medium of program code.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the invention
Within mind and principle, any modification, equivalent substitution, improvement and etc. done be should be included within the scope of the present invention.
Claims (10)
1. a kind of fund clearing method, which is characterized in that the described method includes:
The flowing water reconciliation file that multiple banks upload is received, the flowing water reconciliation file includes: serial number, receipt and payment account, transaction
The amount of money, trade date, currency type；
The flowing water reconciliation file is parsed according to default template, wherein the default template includes by the flowing water reconciliation file
Field determine；
Fund clearing is carried out according to the flowing water reconciliation file after parsing, obtains fund clearing data；
The fund clearing data are sent to multiple banks.
2. described the method according to claim 1, wherein each bank is associated with a default template
The flowing water reconciliation file is parsed according to default template, comprising:
The source bank for inquiring the flowing water reconciliation file, obtains target bank；
The associated default template of the target bank is searched, target is obtained and presets template；
Template, which is preset, according to the target parses the flowing water reconciliation file.
3. the method according to claim 1, wherein sending the fund clearing to multiple banks described
After data, the method also includes:
Receive bank transaction flowing water reconciliation file；
After the bank transaction flowing water reconciliation file fund reconciliation, the money is exported to Accreditation System and/or financial system
Gold clearance data.
4. the method according to claim 1, wherein the flowing water reconciliation file for receiving multiple banks and uploading,
Include:
It receives the flowing water reconciliation file that the bank sends and imports request；
It imports and requests in response to the flowing water reconciliation file, Xiang Suoshu bank shows that flowing water reconciliation file imports template；
From the bank fill in after the completion of the flowing water reconciliation file import template in extract the flowing water reconciliation file.
5. the method according to claim 1, wherein the flowing water reconciliation file according to after parsing carries out fund
Clearance, comprising:
Judge whether current time reaches preset time point；If the current time reaches the preset time point, basis
Flowing water reconciliation file after parsing carries out fund clearing,
Or,
Judge whether the data volume of the flowing water reconciliation file reaches the first default value；If the number of the flowing water reconciliation file
Reach first default value according to amount, then fund clearing carried out according to the flowing water reconciliation file after parsing,
Or,
Judge whether the quantity for uploading the bank of the flowing water reconciliation file reaches the second default value；If uploading the flowing water
The quantity of the bank of reconciliation file reaches second default value, then it is clear to carry out fund according to the flowing water reconciliation file after parsing
It calculates.
6. a kind of fund clearing device, which is characterized in that described device includes:
First receiving unit, the flowing water reconciliation file uploaded for receiving multiple banks, the flowing water reconciliation file includes: flowing water
Number, receipt and payment account, transaction amount, trade date, currency type；
Resolution unit, for parsing the flowing water reconciliation file according to default template, wherein the default template is by the flowing water
The field that reconciliation file includes determines；
Unit is cleared, for carrying out fund clearing according to the flowing water reconciliation file after parsing, obtains fund clearing data；
Transmission unit, for sending the fund clearing data to multiple banks.
7. device according to claim 6, which is characterized in that each bank is associated with a default template, described
Resolution unit includes:
It inquires subelement and obtains target bank for inquiring the source bank of the flowing water reconciliation file；
Subelement is searched, for searching the associated default template of the target bank, target is obtained and presets template；
Parsing subunit parses the flowing water reconciliation file for presetting template according to the target.
8. device according to claim 6, which is characterized in that described device further include:
Second receiving unit, for connecing after the transmission unit sends the fund clearing data to multiple banks
Cash register row transaction journal reconciliation file；
Output unit, after according to the bank transaction flowing water reconciliation file fund reconciliation, to Accreditation System and/or finance system
System exports the fund clearing data.
9. a kind of storage medium, which is characterized in that the storage medium includes the program of storage, wherein run in described program
When control the storage medium where equipment perform claim require any one of 1 to 5 described in fund clearing method.
10. a kind of server, including memory and processor, the memory is for storing the information including program instruction, institute
Processor is stated for controlling the execution of program instruction, it is characterised in that: described program instruction is real when being loaded and executed by processor
The step of fund clearing method described in existing claim 1 to 5 any one.
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| CN201811230361.XA CN109472688A (en) | 2018-10-22 | 2018-10-22 | A kind of fund clearing method and apparatus |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811230361.XA CN109472688A (en) | 2018-10-22 | 2018-10-22 | A kind of fund clearing method and apparatus |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111292175A (en) * | 2020-03-03 | 2020-06-16 | 中国工商银行股份有限公司 | Capital clearing method and device |
| CN111352907A (en) * | 2020-03-30 | 2020-06-30 | 见知数据科技(上海)有限公司 | Method and device for analyzing pipeline file, computer equipment and storage medium |
| TWI831099B (en) * | 2021-12-13 | 2024-02-01 | 合作金庫商業銀行股份有限公司 | Server and method for interbank transfer |
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| CN106709798A (en) * | 2015-07-21 | 2017-05-24 | 深圳市银信网银科技有限公司 | Interbank liquidation method and system |
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| CN111292175A (en) * | 2020-03-03 | 2020-06-16 | 中国工商银行股份有限公司 | Capital clearing method and device |
| CN111352907A (en) * | 2020-03-30 | 2020-06-30 | 见知数据科技(上海)有限公司 | Method and device for analyzing pipeline file, computer equipment and storage medium |
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