CN109584044A - A kind of method and device of determining clearance channel - Google Patents
A kind of method and device of determining clearance channel Download PDFInfo
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- CN109584044A CN109584044A CN201811316504.9A CN201811316504A CN109584044A CN 109584044 A CN109584044 A CN 109584044A CN 201811316504 A CN201811316504 A CN 201811316504A CN 109584044 A CN109584044 A CN 109584044A
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Abstract
This application discloses a kind of method and devices of determining clearance channel, this method comprises: obtaining the business factor of clearance message；It is determined according to the constraint condition of business factor and clearance channel and the clearance channel of clearance service is provided.
Description
Technical field
This application involves field of computer technology more particularly to a kind of method and devices of determining clearance channel.
Background technique
With the development of internet, the business of internet financing corporation is quickly popularized, and internet financing corporation
Also accelerating with the speed that merges of traditional bank.Internet financing corporation and the function of not having traditional bank, the friendship of fund
It is easily virtual transaction, true funds transaction still will be by traditional banking system, therefore internet financing corporation needs
Clearing transactions constantly are carried out with traditional bank, to realize true treasury trade between user.
With the development of internet finance, consumer, loan class, fund financing class business emerge one after another, each business tool
There is its unique attribute, when being cleared, clearance channel is also required to carry out under the premise of meeting Financial Management relevant regulations
Selection.
Currently, for the selection for clearing channel, the technical solution adopted is that determining corresponding volume clearance for type of service
Channel.
Summary of the invention
In view of this, the embodiment of the present application provides a kind of method and device of determining clearance channel, it is existing for solving
The problem of clearance channel can not be dynamically determined in technology.
The embodiment of the present application adopts the following technical solutions:
The embodiment of the present application provides a kind of method of determining clearance channel, comprising:
Obtain the business factor of clearance message；
The business factor is matched with the constraint condition of clearance channel, determines and the clearance channel of clearance service is provided.
Preferably, the business factor is matched with the constraint condition of clearance channel and includes:
The business factor is matched with the constraint condition of each clearance channel；
In the case where the business factor can satisfy the constraint condition of the clearance channel, the clearance channel is determined
To provide the clearance channel of clearance service.
Preferably, this method further include:
Determine it is multiple provide clearance service clearance channel in the case where, using the clearance channel of highest priority as
The clearance channel of clearance service is provided.
Preferably, the business factor is matched with the constraint condition of clearance channel and includes:
Each business factor is matched with the constraint condition of clearance channel；
Determine the corresponding clearance channel of each business factor for the constraint condition for meeting the clearance channel
Set；
By the collection conjunction intersection of the corresponding clearance channel of each business factor, determines and the clear of clearance service is provided
Calculate channel.
Preferably, this method further include:
In the case where clearing the clearance channel of service there are multiple offers in the intersection, with the clearance of highest priority
Clearance channel of the channel as offer clearance service.
Preferably, the business factor includes settlement fund number and Send only Account；The constraint item of the clearance channel
Part includes the settlement fund number range of the clearance channel support and the bank of deposit of Send only Account.
Preferably, the business factor includes clearing the time or clearance message received time that message is sent；It is described
The constraint condition of clearance channel includes the clearance service time range of the clearance channel support.
Preferably, the time that the clearance message is sent includes the date and hour clearing message and sending, or clearance report
The received date and hour of text；The constraint condition of the clearance channel includes the clearance service date model of the clearance channel support
Enclose and clear service moment range.
Preferably, the business factor includes clearing the date or clearance message received date that message is sent；It is described
The constraint condition of clearance channel includes the duty cycle of the clearance channel support.
Preferably, this method further include:
Pass through the clearance channel payment that clearance service is provided.
Preferably, this method further include:
Amount of money book keeping operation to payment.
Preferably, the business factor for obtaining clearance message includes:
Product code and event code are obtained, and type of service is determined according to the product code and event code；
The corresponding business factor of the type of service is obtained according to the type of service.
The embodiment of the present application provides a kind of device of determining clearance channel, comprising:
Module is obtained, for obtaining the business factor of clearance message；
Determining module determines for matching the business factor with the constraint condition of clearance channel and provides clearance service
Clearance channel.
Preferably, the determining module is also used to match the business factor with the constraint condition of each clearance channel；
In the case where the business factor can satisfy the constraint condition of the clearance channel, determine that the clearance channel is to provide clearly
Calculate the clearance channel of service.
Preferably, the determining module is also used in the case where determining multiple clearance channels for providing clearance service,
Using the clearance channel of highest priority as the clearance channel of offer clearance service.
Preferably, the determining module is also used to match each business factor with the constraint condition of clearance channel；
Determine the set of the corresponding clearance channel of each business factor for the constraint condition for meeting the clearance channel；It will be each
The collection conjunction intersection of the corresponding clearance channel of a business factor, determines and provides the clearance channel of clearance service.
Preferably, the determining module is also used in the intersection provide the clearance channel of clearance service there are multiple
In the case where, using the clearance channel of highest priority as the clearance channel of offer clearance service.
Preferably, the business factor includes settlement fund number；The constraint condition of the clearance channel includes described clear
Calculate the settlement fund number range of channel support.
Preferably, the business factor includes clearing the time or clearance message received time that message is sent；It is described
The constraint condition of clearance channel includes the clearance service time range of the clearance channel support.
Preferably, the time that the clearance message is sent includes the date and/or moment clearing message and sending, or clearance
Message received date and/or moment；The constraint condition of the clearance channel includes the clearance service of the clearance channel support
Date range and/or clearance service moment range.
Preferably, the business factor includes clearing the date or clearance message received date that message is sent；It is described
The constraint condition of clearance channel includes the duty cycle of the clearance channel support.
Preferably, the device further include:
Module is cleared, for passing through the clearance channel payment for providing clearance service.
Preferably, the device further include:
Accounting module, for the amount of money book keeping operation to payment.
Preferably, the acquisition module is also used to obtain product code and event code, and according to the product code and thing
Part code determines type of service；The corresponding business factor of the type of service is obtained according to the type of service.
The embodiment of the present application provides a kind of device of determining clearance channel, comprising: processor and memory, the storage
Program is stored on device；
The processor realizes the method for executing described program.
At least one above-mentioned technical solution that the embodiment of the present application uses can reach following the utility model has the advantages that the application is implemented
Example is no longer limited to single clearance channel, can promote system for settling account according to current context environments match to available channel
Service robustness is paid off, the drawbacks of clearing poor in timeliness caused by can not automatically switching because of channel is avoided；Introduce the canal of various dimensions
Road decision element fully considers the characteristics such as service time, the fund service ability of clearance channel to support more complicated clearance
Scene；Dynamic Matching clears channel, and mechanism liquidity risk problem can be effectively reduced, and promotes fund utilization rate.
Detailed description of the invention
The drawings described herein are used to provide a further understanding of the present application, constitutes part of this application, this Shen
Illustrative embodiments and their description please are not constituted an undue limitation on the present application for explaining the application.In the accompanying drawings:
Fig. 1 is the flow diagram provided by the embodiments of the present application for determining clearance channel in the prior art；
Fig. 2 is the flow diagram of determining clearance channel provided by the embodiments of the present application；
Fig. 3 is the flow diagram for determining clearance channel that the application first embodiment provides；
Fig. 4 is the flow diagram for determining clearance channel that the application second embodiment provides；
Fig. 5 is the flow diagram for determining clearance channel that the application 3rd embodiment provides；
Fig. 6 is the flow diagram for determining clearance channel that the application fourth embodiment provides；
Fig. 7 is the flow diagram for determining clearance channel that the 5th embodiment of the application provides；
Fig. 8 is the schematic device for determining clearance channel that the application sixth embodiment provides；
Fig. 9 is the schematic device for determining clearance channel that the 7th embodiment of the application provides.
Specific embodiment
To keep the purposes, technical schemes and advantages of the application clearer, below in conjunction with the application specific embodiment and
Technical scheme is clearly and completely described in corresponding attached drawing.Obviously, described embodiment is only the application one
Section Example, instead of all the embodiments.Based on the embodiment in the application, those of ordinary skill in the art are not doing
Every other embodiment obtained under the premise of creative work out, shall fall in the protection scope of this application.
Below in conjunction with attached drawing, the technical scheme provided by various embodiments of the present application will be described in detail.
In the prior art, clearance channel corresponding to each type of service predefines, the corresponding clearance of each business
Channel, each clearance channel can correspond to multiple business.Clearing channel may include People's Bank of China's large-amount payment system, respectively
Settlement Network Problem by Using in metropolitan same city Settlement Network Problem by Using and the row of each bank.
When carrying out clearance operation, which can be determined according to clearance message, then root
According to the corresponding relationship between predetermined type of service and clearance channel, corresponding clearance channel is determined.Clearing message can
To include multiple business factors, such as type of message, product code, event code, amount of settlement, Send only Account, collecting account etc..
Fig. 1, which is shown, clears technical solution schematic diagram used in the prior art, wherein each product has respective production
Product code, each event have respective event code.In the business of Internet company, product code and event code are unique.It can root
Type of service is determined according to product code and event code.
Product code, event code and type of service correspond to table
Available product code and event code from clearance message, according to type of service is found in above-mentioned table, then root
According to the corresponding relationship between type of service and clearance channel, clearance channel is determined.
Clearance channel and type of service correspond to table
| Type of service | Payment | Consumption is borrowed | Financing | It supplements with money |
| Clear channel | With city Settlement Network Problem by Using | Settlement Network Problem by Using in row | Large-amount payment system | With city Settlement Network Problem by Using |
As shown in Figure 1, the method for determining clearance channel that prior art provides specifically includes:
Step 105, product code and event code are obtained；
Step 110, type of service is determined according to product code and event code；
Step 115, according to the corresponding relationship between type of service and clearance channel, the corresponding clearance of the type of service is determined
Channel.
Preferably, this method further include:
Step 120, it is paid according to identified clearance channel and business factor；
Step 125, it keeps accounts to delivery operation.
But internet financial field is very fierce, if everybody implements all in accordance with prior art, can not embody
The technical solution of itself is clearing technical difference and advantage out, can not improve the experience of user.In order to cope with it is many kinds of,
The apparent financial product attribute of difference needs a kind of new clearance technical solution to cope with various clearance demands, realizes personalized
Difference matching, and richer fund clearing channel is provided.Particularly, it for system for settling account, provides in design flexible clear
The ability of dividing, and it is capable of determining that healthy and strong clearance channel.
Fig. 2 is the method for determining clearance channel provided by the embodiments of the present application, is specifically included:
Step 205, the business factor of clearance message is obtained；
Clearance message is the message that sorting module is sent to the device of determining clearance channel before determining clearance channel,
Clearance message may include multiple business factors, amount of settlement, Send only Account, collecting account etc..Amount of settlement is clearance clothes
The specific amount of money involved in being engaged in, such as 1000 yuan or 10,000 yuan etc..Send only Account refers to that can be used for user pays clearance gold
The account identification of volume, such as PayAccountID.Collecting account refers to the account identification that can be used for receiving amount of settlement, such as
ReceiveAccountID。
In addition, business factor can also include sending the date of message, such as August in 2018 8 days or August 7 in 2018
Day.At the time of business factor can also include transmission message, such as 14:30.
Furthermore business factor can also include receiving the date of message, such as August in 2018 9 days or August 10 in 2018
Day.At the time of business factor can also include reception message, such as 15:30.
Above-mentioned business factor and the predetermined restrictive condition for clearing channel be can use to be determined to be current clear
It calculates message and the clearance channel of service is provided.
Clearance channel may include People's Bank of China's large-amount payment system, Beijing Tong Cheng Settlement Network Problem by Using, Shanghai Tong Cheng clear
Calculate network, Guangzhou Tong Cheng Settlement Network Problem by Using, Settlement Network Problem by Using in industrial and commercial bank's row, Settlement Network Problem by Using, China silver every trade in Construction Bank's row
Interior Settlement Network Problem by Using etc..There is the restrictive condition of itself, such as People's Bank of China's large-amount payment system in each clearance channel
Clearance service on Monday only is provided to Friday, 8:30-17:00, and the amount of money of its clearance should be greater than or equal to 50,000；Shanghai
The working time for providing clearance service with city Settlement Network Problem by Using is workaday 8:30-22:00, and the amount of money of clearance should be in 0-10
Hundred million；Settlement Network Problem by Using provides the working time that clearance services as 7*24 in industrial and commercial bank's row, and amount of money of its clearance is 0-100
Hundred million.
In the embodiment of the present application, may exist the difference of priority, such as People's Bank of China between each clearance channel
The priority of large-amount payment system > Beijing Tong Cheng Settlement Network Problem by Using priority > Shanghai Tong Cheng Settlement Network Problem by Using priority > Guangzhou is same
In the priority of city Settlement Network Problem by Using > Construction Bank's row in the priority of Settlement Network Problem by Using > industrial and commercial bank's row Settlement Network Problem by Using priority >
The priority of Settlement Network Problem by Using in China silver every trade.Above-mentioned priority can be adjusted according to the needs of clearing operation.
Step 210, the business factor is matched with the constraint condition of clearance channel, determines and the clearance of clearance service is provided
Channel.
As described above, business factor included in clearance message is relatively more, it can be according to each when determining and clearing channel
The specific needs of a internet financing corporation are configured, such as most simply can be according to Send only Account and Payment Amount formulation
With rule, also it is further contemplated that according to send or receive message time and clearance channel provide clearance service when
Between formulate matching rule.
Business factor and clearance channel matching rule example
In above-mentioned example, the constraint condition of each clearance channel can be adjusted in real time according to the notice of the clearance channel
It is whole, such as large-amount payment system declaration, from during the 1-5 month 31 in May, 2018, the duty cycle is adjusted to Monday to Sunday, then
It needs to be adjusted the bound term of its duty cycle, such as the constraint condition can be ignored.If constraint condition may include
Dry bound term.
It should be noted that be Friday Monday-for its duty cycle, but still to meet date of settlement is working day,
It is the relationship of "AND" between all bound terms of i.e. each clearance channel, if bound term is " --- ", which can be with
It is not considered when being matched.
Above-mentioned matching rule example is only one kind of embodiment, and those skilled in the art can be according to the need of clearing operation
Formulate matching rule.
Taking the above example as an example, it can be reported by Send only Account, collecting account, amount of settlement, the clearance in clearance message
The business factors such as literary sending time select corresponding clearance channel.
Business factor example
| Business factor | Amount of settlement | Send only Account | Collecting account | Message date of shipping | Message sending instant |
| Value | 80000 | 62170000…… | 62170008…… | On August 8th, 2018 | 14:56 |
The date as included in message is the mode of gregorian calendar discipline year, so need to be scaled week according to calendar,
On August 8th, 2018 are Wednesday, and the eekday on the 8th of August in 2018, i.e. working day.In addition, can according to Send only Account mark
To determine the behavior Construction Bank that opens an account of Send only Account, the behavior of opening an account of collecting account can be determined according to the mark of collecting account
Construction Bank.
By matching above-mentioned business factor with above-mentioned matching rule, can be determined to provide clearance service
Clearance channel be People's Bank of China's large-amount payment system, clear net in Beijing Tong Cheng Settlement Network Problem by Using and Construction Bank's row
Network.
As described above, may exist priority between each clearance channel, thus may determine that People's Bank of China's wholesale
Payment system is finally to provide the clearance channel of clearance service.
In matching process, two ways can be used, a kind of mode is with by all business factor and each clearance canal
The constraint condition in road is matched, and determines whether the clearance channel is capable of providing clearance service, until all clearance channel quilts
Traversal, so that the set for obtaining the clearance channel for being capable of providing clearance service is determined according to the priority for clearing channel in set
It is final that the clearance channel of clearance service is provided.
Another way is to match each business factor with the bound term of clearance channel respectively, obtain each business and want
The corresponding clearance channel set of element, it includes People's Bank of China in each set that shown in example as above, available 5, which are gathered,
Then Settlement Network Problem by Using in large-amount payment system, Beijing Tong Cheng Settlement Network Problem by Using and Construction Bank's row is again handed over this five collection conjunction
Collection, the clearance channel for obtaining being capable of providing clearance service is People's Bank of China's large-amount payment system, Beijing Tong Cheng Settlement Network Problem by Using
And Settlement Network Problem by Using in Construction Bank's row, and according to People's Bank of China's large-amount payment system, Beijing Tong Cheng Settlement Network Problem by Using and
The priority of Settlement Network Problem by Using in Construction Bank's row determines the final clearance channel for providing clearance and servicing.
First embodiment
Fig. 3 shows the flow diagram for determining clearance channel of the application first embodiment offer, specifically includes:
Step 305, the amount of settlement and payment account of clearance message are obtained；For example, amount of settlement is 60,000, branch is paid a bill
Family is 62170000 ...；
Step 310, the constraint condition of amount of settlement and payment account and clearance channel is matched, determines and clearance clothes is provided
The clearance channel of business；
For example, the constraint condition of clearance channel is as shown in the table:
| Clear channel | Large-amount payment system | Beijing Tong Cheng Settlement Network Problem by Using |
| Amount | Greater than 50,000 | 0-10 hundred million |
| Payment account bank of deposit | All banks | Industrial and commercial bank, Bank of China, Construction Bank etc. |
Specifically, amount of settlement is 60,000, therefore meets People's Bank of China's large-amount payment system in business factor
Amount bound term；In business factor, payment account 62170000 ... can determine the behavior construction of opening an account of the payment account
Bank, therefore meet the payment account bank of deposit bound term of People's Bank of China's large-amount payment system.
Further, in business factor, amount of settlement is 60,000, therefore meets the amount constraint of Beijing Tong Cheng Settlement Network Problem by Using
?；In business factor, payment account 62170000 ... can determine the behavior Construction Bank that opens an account of the payment account, because
This meets the payment account bank of deposit bound term of Beijing Tong Cheng Settlement Network Problem by Using.
Therefore, People's Bank of China's large-amount payment system and Beijing Tong Cheng Settlement Network Problem by Using can be used as clearance channel, but
Be since the priority of People's Bank of China's large-amount payment system is higher, using People's Bank of China's large-amount payment system as
Final clearance channel.
Alternatively, in business factor, amount of settlement is 60,000, therefore meets People's Bank of China's large-amount payment system
The amount bound term of amount bound term and Beijing Tong Cheng Settlement Network Problem by Using, available set { China corresponding with the business factor
The People's Bank's large-amount payment system, Beijing Tong Cheng Settlement Network Problem by Using }；
Further, in business factor, payment account 62170000 ... can determine the bank of deposit of the payment account
For Construction Bank, thus meet People's Bank of China's large-amount payment system payment account bank of deposit bound term and Beijing Tong Cheng it is clear
Calculate the payment account bank of deposit bound term of network, available set { People's Bank of China's wholesale corresponding with the business factor
Payment system, Beijing Tong Cheng Settlement Network Problem by Using }.
Therefore, { People's Bank of China's wholesale payment is gathered into the corresponding collection conjunction intersection of above-mentioned two business factor
System, Beijing Tong Cheng Settlement Network Problem by Using }, People's Bank of China's large-amount payment system and Beijing Tong Cheng Settlement Network Problem by Using can be used as clearly
Channel is calculated, but since the priority of People's Bank of China's large-amount payment system is higher, by People's Bank of China's wholesale branch
The system of paying is as final clearance channel.
Through the above technical solutions, may be implemented according in business factor amount of settlement and payment account come dynamic select
Suitable clearance channel.
Second embodiment
Fig. 4 shows the flow diagram for determining clearance channel of the application second embodiment offer, specifically includes:
Step 405, amount of settlement, payment account and the message date of shipping of clearance message are obtained；For example, amount of settlement
It is 60,000, payment account 62170000 ..., date of shipping is on August 8th, 2018；
Step 410, by amount of settlement, payment account and clearance message date of shipping and the constraint condition for clearing channel
Match, determines and the clearance channel of clearance service is provided；
For example, the constraint condition of clearance channel is as shown in the table:
| Clear channel | Large-amount payment system | Beijing Tong Cheng Settlement Network Problem by Using |
| Amount | Greater than 50,000 | 0-10 hundred million |
| Payment account bank of deposit | All banks | Industrial and commercial bank, Bank of China, Construction Bank etc. |
| Duty cycle | Friday Monday- | —— |
| Date of settlement | Working day | Working day |
Specifically, amount of settlement is 60,000, therefore meets People's Bank of China's large-amount payment system in business factor
Amount bound term；In business factor, payment account 62170000 ... can determine the behavior construction of opening an account of the payment account
Bank, therefore meet the payment account bank of deposit bound term of People's Bank of China's large-amount payment system；In business factor, clearance report
The date of shipping of text is on August 8th, 2018, can determine that the corresponding duty cycle is Wednesday, non-festivals or holidays, the i.e. date are
Working day, therefore meet the duty cycle constraint and date of settlement bound term of People's Bank of China's large-amount payment system.
Further, specifically, in business factor, amount of settlement is 60,000, therefore meets Beijing Tong Cheng Settlement Network Problem by Using
Amount bound term；In business factor, payment account 62170000 ... can determine the behavior construction of opening an account of the payment account
Bank, therefore meet the payment account bank of deposit bound term of Beijing Tong Cheng Settlement Network Problem by Using；In business factor, the transmission of message is cleared
Date is on August 8th, 2018, can determine that the corresponding duty cycle is Wednesday, and non-festivals or holidays, the i.e. date are working day,
Since Beijing Tong Cheng Settlement Network Problem by Using does not constrain the duty cycle, meet the duty cycle of Beijing Tong Cheng Settlement Network Problem by Using about
Beam and date of settlement bound term.
Therefore, People's Bank of China's large-amount payment system and Beijing Tong Cheng Settlement Network Problem by Using can be used as clearance channel, but
Be since the priority of People's Bank of China's large-amount payment system is higher, using People's Bank of China's large-amount payment system as
Final clearance channel.
Alternatively, specifically, in business factor, amount of settlement is 60,000, therefore meets People's Bank of China's wholesale branch
The amount bound term for the system of paying and the amount bound term of Beijing Tong Cheng Settlement Network Problem by Using, available collection corresponding with the business factor
It closes { People's Bank of China's large-amount payment system, Beijing Tong Cheng Settlement Network Problem by Using }；
Further, in business factor, payment account 62170000 ... can determine the bank of deposit of the payment account
For Construction Bank, thus meet People's Bank of China's large-amount payment system payment account bank of deposit bound term and Beijing Tong Cheng it is clear
Calculate the payment account bank of deposit bound term of network, available set { People's Bank of China's wholesale corresponding with the business factor
Payment system, Beijing Tong Cheng Settlement Network Problem by Using }.
Further, the date of shipping for clearing message is on August 8th, 2018, can determine that the corresponding duty cycle is star
Phase three, therefore meet the duty cycle bound term of People's Bank of China's large-amount payment system；Due to Beijing Tong Cheng Settlement Network Problem by Using pair
It is not constrained in the duty cycle, therefore meets the duty cycle bound term of Beijing Tong Cheng Settlement Network Problem by Using；So as to obtain and be somebody's turn to do
The corresponding set { People's Bank of China's large-amount payment system, Beijing Tong Cheng Settlement Network Problem by Using } of business factor.
Further, the date of shipping for clearing message is on August 8th, 2018, can determine that the date is working day, therefore
Meet the date of settlement bound term of People's Bank of China's large-amount payment system and Beijing Tong Cheng Settlement Network Problem by Using；So as to obtain with
The corresponding set { People's Bank of China's large-amount payment system, Beijing Tong Cheng Settlement Network Problem by Using } of the business factor.
Therefore, { People's Bank of China's wholesale payment is gathered into the corresponding collection conjunction intersection of aforementioned four business factor
System, Beijing Tong Cheng Settlement Network Problem by Using }, People's Bank of China's large-amount payment system and Beijing Tong Cheng Settlement Network Problem by Using can be used as clearly
Channel is calculated, but since the priority of People's Bank of China's large-amount payment system is higher, by People's Bank of China's wholesale branch
The system of paying is as final clearance channel.
Through the above technical solutions, may be implemented according to amount of settlement, payment account and the clearance report in business factor
Literary date of shipping carrys out dynamic select and suitably clears channel.
3rd embodiment
Fig. 5 shows the flow diagram for determining clearance channel of the application 3rd embodiment offer, specifically includes:
Step 505, the amount of settlement, payment account and clearance message sending instant of clearance message are obtained；For example, clearance
The amount of money is 60,000, payment account 62170000 ..., sending instant 18:30；
Step 510, by amount of settlement, payment account and clearance message sending instant and the constraint condition for clearing channel
Match, determines and the clearance channel of clearance service is provided；
For example, the constraint condition of clearance channel is as shown in the table:
| Clear channel | Large-amount payment system | Beijing Tong Cheng Settlement Network Problem by Using |
| Amount | Greater than 50,000 | 0-10 hundred million |
| Payment account bank of deposit | All banks | Industrial and commercial bank, Bank of China, Construction Bank etc. |
| Clear the moment | 8:30-17:30 | 8:30-22:00 |
Specifically, amount of settlement is 60,000, therefore meets People's Bank of China's large-amount payment system in business factor
Amount bound term；In business factor, payment account 62170000 ... can determine the behavior construction of opening an account of the payment account
Bank, therefore meet the payment account bank of deposit bound term of People's Bank of China's large-amount payment system；In business factor, clearance report
The sending instant of text is 18:30, therefore does not meet the clearance moment bound term of People's Bank of China's large-amount payment system.
Further, specifically, in business factor, amount of settlement is 60,000, therefore meets Beijing Tong Cheng Settlement Network Problem by Using
Amount bound term；In business factor, payment account 62170000 ... can determine the behavior construction of opening an account of the payment account
Bank, therefore meet the payment account bank of deposit bound term of Beijing Tong Cheng Settlement Network Problem by Using；In business factor, the transmission of message is cleared
Moment is 18:30, therefore meets the clearance moment bound term of Beijing Tong Cheng Settlement Network Problem by Using.
Therefore, clearance channel of Tong Cheng Settlement Network Problem by Using in Beijing as offer clearance service.
Alternatively, specifically, in business factor, amount of settlement is 60,000, therefore meets People's Bank of China's wholesale branch
The amount bound term for the system of paying and the amount bound term of Beijing Tong Cheng Settlement Network Problem by Using, available collection corresponding with the business factor
It closes { People's Bank of China's large-amount payment system, Beijing Tong Cheng Settlement Network Problem by Using }；
Further, in business factor, payment account 62170000 ... can determine the bank of deposit of the payment account
For Construction Bank, thus meet People's Bank of China's large-amount payment system payment account bank of deposit bound term and Beijing Tong Cheng it is clear
Calculate the payment account bank of deposit bound term of network, available set { People's Bank of China's wholesale corresponding with the business factor
Payment system, Beijing Tong Cheng Settlement Network Problem by Using }.
Further, the sending instant for clearing message is 18:30, therefore meets the clearance moment of Beijing Tong Cheng Settlement Network Problem by Using
Bound term；So as to obtain set { Beijing Tong Cheng Settlement Network Problem by Using } corresponding with the business factor.
Therefore, { Beijing Tong Cheng Settlement Network Problem by Using } is gathered into the corresponding collection conjunction intersection of above three business factor, because
This is using Beijing Tong Cheng Settlement Network Problem by Using as final clearance channel.
Through the above technical solutions, may be implemented according to amount of settlement, payment account and the clearance report in business factor
Literary sending instant carrys out dynamic select and suitably clears channel.
Fourth embodiment
Fig. 6 shows the flow diagram for determining clearance channel of the application fourth embodiment offer, specifically includes:
Step 605, amount of settlement, payment account and the date of shipping of clearance message are obtained；For example, amount of settlement is 6
Ten thousand, payment account 62170000 ..., sending time is the 18:30 on the 8th of August in 2018；
Step 610, by amount of settlement, payment account and clearance message date of shipping and the constraint condition for clearing channel
Match, determines and the clearance channel of clearance service is provided；
For example, the constraint condition of clearance channel is as shown in the table:
| Clear channel | Large-amount payment system | Beijing Tong Cheng Settlement Network Problem by Using |
| Amount | Greater than 50,000 | 0-10 hundred million |
| Payment account bank of deposit | All banks | Industrial and commercial bank, Bank of China, Construction Bank etc. |
| Duty cycle | Friday Monday- | —— |
| Date of settlement | Working day | Working day |
| Clear the moment | 8:30-17:30 | 8:30-22:00 |
Specifically, amount of settlement is 60,000, therefore meets People's Bank of China's large-amount payment system in business factor
Amount bound term；In business factor, payment account 62170000 ... can determine the behavior construction of opening an account of the payment account
Bank, therefore meet the payment account bank of deposit bound term of People's Bank of China's large-amount payment system；In business factor, clearance report
The date of shipping of text is on August 8th, 2018, can determine that the corresponding duty cycle is Wednesday, non-festivals or holidays, the i.e. date are
Working day, therefore meet the duty cycle constraint and date of settlement bound term of People's Bank of China's large-amount payment system.Business is wanted
In element, the sending instant for clearing message is 18:30, therefore does not meet the clearance moment of People's Bank of China's large-amount payment system about
Shu Xiang.
Further, specifically, in business factor, amount of settlement is 60,000, therefore meets Beijing Tong Cheng Settlement Network Problem by Using
Amount bound term；In business factor, payment account 62170000 ... can determine the behavior construction of opening an account of the payment account
Bank, therefore meet the payment account bank of deposit bound term of Beijing Tong Cheng Settlement Network Problem by Using；In business factor, the transmission of message is cleared
Date is on August 8th, 2018, can determine that the corresponding duty cycle is Wednesday, and non-festivals or holidays, the i.e. date are working day,
Since Beijing Tong Cheng Settlement Network Problem by Using does not constrain the duty cycle, meet the duty cycle of Beijing Tong Cheng Settlement Network Problem by Using about
Beam and date of settlement bound term.In business factor, the sending instant for clearing message is 18:30, therefore meets Beijing Tong Cheng clearance
The clearance moment bound term of network.
Therefore, Tong Cheng Settlement Network Problem by Using in Beijing may be provided as the clearance channel of clearance service.
Alternatively, specifically, in business factor, amount of settlement is 60,000, therefore meets People's Bank of China's wholesale branch
The amount bound term for the system of paying and the amount bound term of Beijing Tong Cheng Settlement Network Problem by Using, available collection corresponding with the business factor
It closes { People's Bank of China's large-amount payment system, Beijing Tong Cheng Settlement Network Problem by Using }；
Further, in business factor, payment account 62170000 ... can determine the bank of deposit of the payment account
For Construction Bank, thus meet People's Bank of China's large-amount payment system payment account bank of deposit bound term and Beijing Tong Cheng it is clear
Calculate the payment account bank of deposit bound term of network, available set { People's Bank of China's wholesale corresponding with the business factor
Payment system, Beijing Tong Cheng Settlement Network Problem by Using }.
Further, the date of shipping for clearing message is on August 8th, 2018, can determine that the corresponding duty cycle is star
Phase three, therefore meet the duty cycle bound term of People's Bank of China's large-amount payment system；Due to Beijing Tong Cheng Settlement Network Problem by Using pair
It is not constrained in the duty cycle, therefore meets the duty cycle bound term of Beijing Tong Cheng Settlement Network Problem by Using；So as to obtain and be somebody's turn to do
The corresponding set { People's Bank of China's large-amount payment system, Beijing Tong Cheng Settlement Network Problem by Using } of business factor.
Further, the date of shipping for clearing message is on August 8th, 2018, can determine that the date is working day, therefore
Meet the date of settlement bound term of People's Bank of China's large-amount payment system and Beijing Tong Cheng Settlement Network Problem by Using；So as to obtain with
The corresponding set { People's Bank of China's large-amount payment system, Beijing Tong Cheng Settlement Network Problem by Using } of the business factor.
Further, the sending instant for clearing message is 18:30, therefore meets the clearance moment of Beijing Tong Cheng Settlement Network Problem by Using
Bound term；So as to obtain set { Beijing Tong Cheng Settlement Network Problem by Using } corresponding with the business factor.
Therefore, { Beijing Tong Cheng Settlement Network Problem by Using } is gathered into the corresponding collection conjunction intersection of above-mentioned five business factors, because
This using Beijing Tong Cheng Settlement Network Problem by Using as provide clearance service clearance channel.
Through the above technical solutions, may be implemented according to amount of settlement, payment account and the clearance report in business factor
Literary sending time carrys out dynamic select and suitably clears channel.
5th embodiment
Fig. 7 shows the flow diagram for determining clearance channel of the 5th embodiment of the application offer, specifically includes:
Step 705, amount of settlement, payment account, collecting account and the date of shipping of clearance message are obtained；For example, clear
Calculating the amount of money is 60,000, and payment account 62170000 ..., collecting account 62170008 ... clears the sending time of message
For the 18:30 on the 8th of August in 2018；
Step 710, by amount of settlement, payment account, collecting account and clearance message date of shipping and clearance channel
Constraint condition matching, determines and provides the clearance channel of clearance service；
For example, the constraint condition of clearance channel is as shown in the table:
Specifically, amount of settlement is 60,000, therefore meets People's Bank of China's large-amount payment system in business factor
Amount bound term；In business factor, payment account 62170000 ... can determine the behavior construction of opening an account of the payment account
Bank, therefore meet the payment account bank of deposit bound term of People's Bank of China's large-amount payment system；In business factor, account of collecting money
Family is 62170008 ..., can determine the behavior Construction Bank that opens an account of the collecting account, therefore it is big to meet People's Bank of China
The collecting account bank of deposit bound term of volume payment system；In business factor, the date of shipping for clearing message is on August 8th, 2018,
It can determine that the corresponding duty cycle is Wednesday, non-festivals or holidays, the i.e. date are working day, therefore meet People's Bank of China
The duty cycle constraint of large-amount payment system and date of settlement bound term.In business factor, the sending instant for clearing message is 18:
30, therefore do not meet the clearance moment bound term of People's Bank of China's large-amount payment system.
Further, in business factor, amount of settlement is 60,000, therefore meets the amount constraint of Beijing Tong Cheng Settlement Network Problem by Using
?；In business factor, payment account 62170000 ... can determine the behavior Construction Bank that opens an account of the payment account, because
This meets the payment account bank of deposit bound term of Beijing Tong Cheng Settlement Network Problem by Using；In business factor, collecting account is
62170008 ..., it can determine the behavior Construction Bank that opens an account of the collecting account, therefore meet Beijing Tong Cheng Settlement Network Problem by Using
In collecting account bank of deposit bound term business factor, the date of shipping for clearing message is on August 8th, 2018, can determine correspondence
Duty cycle be Wednesday, non-festivals or holidays, the i.e. date be working day, since Beijing Tong Cheng Settlement Network Problem by Using is for the duty cycle
It does not constrain, therefore meets the duty cycle constraint and date of settlement bound term of Beijing Tong Cheng Settlement Network Problem by Using.In business factor, clearly
The sending instant for calculating message is 18:30, therefore meets the clearance moment bound term of Beijing Tong Cheng Settlement Network Problem by Using.
Further, in business factor, amount of settlement is 60,000, therefore meets the amount of Settlement Network Problem by Using in Construction Bank's row
Bound term；In business factor, payment account 62170000 ... can determine the behavior construction silver of opening an account of the payment account
Row, therefore meet the payment account bank of deposit bound term of Settlement Network Problem by Using in Construction Bank's row；In business factor, collecting account is
62170008 ..., it can determine the behavior Construction Bank that opens an account of the collecting account, therefore meet and clear net in Construction Bank's row
In the collecting account bank of deposit bound term business factor of network, the date of shipping for clearing message is on August 8th, 2018, can be determined
The corresponding duty cycle be Wednesday, non-festivals or holidays, the i.e. date be working day, due in Construction Bank's row Settlement Network Problem by Using for
Duty cycle does not constrain, therefore meets the duty cycle constraint and date of settlement bound term of Settlement Network Problem by Using in Construction Bank's row.
In business factor, the sending instant for clearing message is 18:30, therefore meets the clearance moment of Settlement Network Problem by Using in Construction Bank's row about
Shu Xiang.
Settlement Network Problem by Using may be provided as the clearance canal of clearance service in Beijing Tong Cheng Settlement Network Problem by Using and Construction Bank's row
Road, but since the priority of Beijing Tong Cheng Settlement Network Problem by Using is higher, it is provided Beijing Tong Cheng Settlement Network Problem by Using as final
Clear the clearance channel of service.
Alternatively, specifically, in business factor, amount of settlement is 60,000, therefore meets People's Bank of China's wholesale branch
Pay the amount bound term of system, in the amount bound term of Beijing Tong Cheng Settlement Network Problem by Using and Construction Bank's row Settlement Network Problem by Using amount about
Shu Xiang, { People's Bank of China's large-amount payment system, Beijing Tong Cheng clear net to available set corresponding with the business factor
Network, Settlement Network Problem by Using in Construction Bank's row }；
Further, in business factor, payment account 62170000 ... can determine the bank of deposit of the payment account
For Construction Bank, therefore it is clear to meet the payment account bank of deposit bound term of People's Bank of China's large-amount payment system, Beijing Tong Cheng
The payment account bank of deposit bound term of network and the payment account bank of deposit bound term of Settlement Network Problem by Using in Construction Bank's row are calculated, it can be with
Obtain corresponding with the business factor set { People's Bank of China's large-amount payment system, Beijing Tong Cheng Settlement Network Problem by Using, Construction Bank
Settlement Network Problem by Using in row }.
Further, the date of shipping for clearing message is on August 8th, 2018, can determine that the corresponding duty cycle is star
Phase three, therefore meet the duty cycle bound term of People's Bank of China's large-amount payment system；Due to Beijing Tong Cheng Settlement Network Problem by Using and
Settlement Network Problem by Using does not constrain the duty cycle in Construction Bank's row, therefore meets Beijing Tong Cheng Settlement Network Problem by Using and Construction Bank's row
The duty cycle bound term of interior Settlement Network Problem by Using；So as to obtain set corresponding with the business factor, { People's Bank of China is big
Volume payment system, Beijing Tong Cheng Settlement Network Problem by Using, Settlement Network Problem by Using in Construction Bank's row }.
Further, the date of shipping for clearing message is on August 8th, 2018, can determine that the date is working day, therefore
Meet People's Bank of China's large-amount payment system, in Beijing Tong Cheng Settlement Network Problem by Using and Construction Bank's row Settlement Network Problem by Using date of settlement
Bound term；So as to obtain set corresponding with the business factor, { People's Bank of China's large-amount payment system, Beijing Tong Cheng are clear
Calculate network, Settlement Network Problem by Using in Construction Bank's row }.
Further, the sending instant for clearing message is 18:30, therefore meets Beijing Tong Cheng Settlement Network Problem by Using and Construction Bank
The clearance moment bound term of Settlement Network Problem by Using in row；So as to obtain set { Beijing Tong Cheng clearance corresponding with the business factor
Network, Settlement Network Problem by Using in Construction Bank's row }.
Therefore, { Beijing Tong Cheng Settlement Network Problem by Using, construction are gathered into the corresponding collection conjunction intersection of above-mentioned six business factors
Settlement Network Problem by Using in bank's row }.Settlement Network Problem by Using may be provided as clearance clothes in Beijing Tong Cheng Settlement Network Problem by Using and Construction Bank's row
The clearance channel of business, but since the priority of Beijing Tong Cheng Settlement Network Problem by Using is higher, using Beijing Tong Cheng Settlement Network Problem by Using as
The clearance channel of final offer clearance service.
Through the above technical solutions, may be implemented according in business factor amount of settlement, payment account, collecting account with
And clearance message sending time carrys out dynamic select and suitably clears channel.
Alternatively, it is corresponding type of service can also to be predefined into the 5th embodiment in above-mentioned first embodiment
Clear channel constraint condition, and according in business factor event code and product code determine type of service, so as to basis
Type of service inquires corresponding clearance channel constraint condition, and by clearing, other business factors that message includes are corresponding with this
Clearance channel constraint condition is matched, and is determined to provide the clearance channel of service.Details are not described herein for detailed process.
Alternatively, the clearance channel determined there are it is multiple in the case where, a clearance canal can also be randomly selected
Road is as final clearance channel.
Preferably, obtain clearance channel after, can also be cleared by the clearance channel, for example, to clearance channel
Clearance message is sent, clearance channel can be handled the amount of money in account according to message, such as entered an item of expenditure in the accounts or kept accounts.
Preferably, can also keep accounts, such as keep accounts to the amount of money of payment, with facilitate in the future with clearance channel and
Bank carries out reconciliation.
The method of determining clearance channel provided by the embodiments of the present application, can also execute in the following manner:
Step 205, the business factor of clearance message is obtained；
The business factor of clearance message can be type of message, product code, event code etc., and type of message is for characterizing the report
Text is clearance message, can determine that clearance channel, product code can characterize corresponding to the clearance message according to the clearance message
Product, such as payment under line, Taobao, flower, Yuebao etc., event code can characterize event corresponding to clearance message and be
Payment, loan, refund, purchase, redemption etc..
Step 210, the business factor is matched with the constraint condition of clearance channel, determines and the clearance of clearance service is provided
Channel can specifically include:
Corresponding type of service is obtained according to business factor；
The decision business elements combination of clearance channel is determined according to the type of service；
Assignment is corresponded to the business factor in the decision business elements combination according to sorting result, the industry after obtaining assignment
Business elements combination；
Business factor set after assignment is matched with the constraint condition of clearance channel；Obtain the clearance of successful match
Channel set；
Clearance canal of the clearance channel of highest priority as offer clearance service is chosen from the clearance channel set
Road.
For example, obtaining the business factor in clearance message are as follows: product code P01, P02, P03, P04, event code E01, according to
The type of service that product code and event code determine is respectively as follows: payment (P01, E01), supplements with money (P04, E01), manages money matters (P03, E01),
(P02, E01) is borrowed in consumption, determines that the decision business elements combination of clearance channel is { channel single limit, canal according to type of service
Clear the period in road }, based on context environment obtained sorting result are as follows: in 23:00 in afternoon on October 29 purchase financing in 2018
200,000 yuan of product, assignment is corresponded to the business factor in the decision business elements combination according to sorting result, after obtaining assignment
Business factor collection be combined into { channel single fund 200,000, channel clear 23:00 in afternoon October 29 2018 time }, by assignment
Business factor set afterwards is matched with the constraint condition of clearance channel；The clearance Channel Set for obtaining successful match is combined into { together
City Settlement Network Problem by Using, People's Bank of China's large-amount payment system }, Cong Tongcheng Settlement Network Problem by Using, People's Bank of China's large-amount payment system
Choose clearance channel of the People's Bank of China's large-amount payment system of highest priority as offer clearance service.
Sixth embodiment
Fig. 8 shows the schematic device for determining clearance channel of the application sixth embodiment offer, specifically includes: obtaining
Module, for obtaining the business factor of clearance message；Determining module, for by the business factor and clearance channel constraint item
Part matching, determines and provides the clearance channel of clearance service.Preferably, which further includes clearance module, for according to determining
It clears channel and executes clearance operation, such as send clearance message, to pay the amount of money in clearance message.Preferably, the device is also
It including accounting module, keeps accounts for being operated according to clearance, such as records the amount of money of payment.
7th embodiment
Fig. 9 shows the schematic device for determining clearance channel of the application sixth embodiment offer, specifically includes: processing
Device and memory, program is stored on memory, and processor is provided by the embodiments of the present application to realize for executing described program
Method.
In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example,
Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So
And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit.
Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause
This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device
(Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate
Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer
Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker
Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " is patrolled
Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development,
And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language
(Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL
(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description
Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL
(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby
Hardware Description Language) etc., VHDL (Very-High-Speed is most generally used at present
Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also answer
This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages,
The hardware circuit for realizing the logical method process can be readily available.
Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing
The computer for the computer readable program code (such as software or firmware) that device and storage can be executed by (micro-) processor can
Read medium, logic gate, switch, specific integrated circuit (Application Specific Integrated Circuit,
ASIC), the form of programmable logic controller (PLC) and insertion microcontroller, the example of controller includes but is not limited to following microcontroller
Device: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320 are deposited
Memory controller is also implemented as a part of the control logic of memory.It is also known in the art that in addition to
Pure computer readable program code mode is realized other than controller, can be made completely by the way that method and step is carried out programming in logic
Controller is obtained to come in fact in the form of logic gate, switch, specific integrated circuit, programmable logic controller (PLC) and insertion microcontroller etc.
Existing identical function.Therefore this controller is considered a kind of hardware component, and to including for realizing various in it
The device of function can also be considered as the structure in hardware component.Or even, it can will be regarded for realizing the device of various functions
For either the software module of implementation method can be the structure in hardware component again.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used
Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment
The combination of equipment.
For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this
The function of each unit can be realized in the same or multiple software and or hardware when application.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net
Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or
The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium
Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want
There is also other identical elements in the process, method of element, commodity or equipment.
The application can describe in the general context of computer-executable instructions executed by a computer, such as program
Module.Generally, program module includes routines performing specific tasks or implementing specific abstract data types, programs, objects, group
Part, data structure etc..The application can also be practiced in a distributed computing environment, in these distributed computing environments, by
Task is executed by the connected remote processing devices of communication network.In a distributed computing environment, program module can be with
In the local and remote computer storage media including storage equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality
For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.
The above description is only an example of the present application, is not intended to limit this application.For those skilled in the art
For, various changes and changes are possible in this application.All any modifications made within the spirit and principles of the present application are equal
Replacement, improvement etc., should be included within the scope of the claims of this application.
Claims (25)
1. a kind of method of determining clearance channel characterized by comprising
Obtain the business factor of clearance message；
The business factor is matched with the constraint condition of clearance channel, determines and the clearance channel of clearance service is provided.
2. the method according to claim 1, wherein by the constraint condition of the business factor and clearance channel
With including:
The business factor is matched with the constraint condition of each clearance channel；
In the case where the business factor can satisfy the constraint condition of the clearance channel, determine that the clearance channel is to mention
For the clearance channel of clearance service.
3. according to the method described in claim 2, it is characterized in that, this method further include:
In the case where determining multiple clearance channels for providing clearance service, using the clearance channel of highest priority as offer
Clear the clearance channel of service.
4. the method according to claim 1, wherein by the constraint condition of the business factor and clearance channel
With including:
Each business factor is matched with the constraint condition of clearance channel；
Determine the set of the corresponding clearance channel of each business factor for the constraint condition for meeting the clearance channel；
By the collection conjunction intersection of the corresponding clearance channel of each business factor, determines and the clearance canal of clearance service is provided
Road.
5. according to the method described in claim 4, it is characterized in that, this method further include:
In the case where clearing the clearance channel of service there are multiple offers in the intersection, with the clearance channel of highest priority
Clearance channel as offer clearance service.
6. the method according to claim 1, wherein the business factor includes settlement fund number and payment
Account；The constraint condition of the clearance channel includes the settlement fund number range and Send only Account of the clearance channel support
The bank of deposit.
7. method according to claim 1 or 6, which is characterized in that the business factor include clear message send when
Between or clearance the message received time；The constraint condition of the clearance channel includes the clearance service of the clearance channel support
Time range.
8. method according to claim 1 or 6, which is characterized in that the time that the clearance message is sent includes clearance report
The date and hour that text is sent, or the clearance received date and hour of message；The constraint condition of the clearance channel includes institute
State the clearance service date range and clearance service moment range of clearance channel support.
9. method according to claim 1 or 6, which is characterized in that the business factor includes the day clearing message and sending
Phase or clearance message received date；The constraint condition of the clearance channel includes the work week of the clearance channel support
Phase.
10. the method according to claim 1, wherein this method further include:
Pass through the clearance channel payment that clearance service is provided.
11. according to the method described in claim 9, it is characterized in that, this method further include:
Amount of money book keeping operation to payment.
12. the method according to claim 1, wherein the business factor for obtaining clearance message includes:
Product code and event code are obtained, and type of service is determined according to the product code and event code；
The corresponding business factor of the type of service is obtained according to the type of service.
13. a kind of device of determining clearance channel characterized by comprising
Module is obtained, for obtaining the business factor of clearance message；
Determining module determines for matching the business factor with the constraint condition of clearance channel and provides the clear of clearance service
Calculate channel.
14. device according to claim 13, which is characterized in that the determining module is also used to the business factor
It is matched with the constraint condition of each clearance channel；It can satisfy the feelings of the constraint condition of the clearance channel in the business factor
Under condition, determine that the clearance channel is to provide the clearance channel of clearance service.
15. device according to claim 13, which is characterized in that the determining module is also used to determining multiple mention
In the case where the clearance channel serviced for clearance, using the clearance channel of highest priority as the clearance canal of offer clearance service
Road.
16. device according to claim 13, which is characterized in that the determining module is also used to each business
Element is matched with the constraint condition of clearance channel；Determine each business factor for meeting the constraint condition of the clearance channel
The set of the corresponding clearance channel；By the collection conjunction intersection of the corresponding clearance channel of each business factor, really
It is fixed that the clearance channel of clearance service is provided.
17. device according to claim 16, which is characterized in that the determining module is also used to deposit in the intersection
In the case where multiple clearance channels for providing clearance service, using the clearance channel of highest priority as offer clearance service
Clear channel.
18. device according to claim 13, which is characterized in that the business factor includes settlement fund number；It is described
The constraint condition of clearance channel includes the settlement fund number range of the clearance channel support.
19. device described in 3 or 18 according to claim 1, which is characterized in that the business factor includes that clearance message is sent
Time or clearance message received time；The constraint condition of the clearance channel includes the clearance clothes of the clearance channel support
Business time range.
20. device described in 3 or 18 according to claim 1, which is characterized in that the time that the clearance message is sent includes clearance
The date and/or moment that message is sent, or clearance message received date and/or moment；The constraint item of the clearance channel
Part includes the clearance service date range and/or clearance service moment range of the clearance channel support.
21. device described in 3 or 18 according to claim 1, which is characterized in that the business factor includes that clearance message is sent
Date or clearance message received date；The constraint condition of the clearance channel includes the work week of the clearance channel support
Phase.
22. device according to claim 13, which is characterized in that the device further include:
Module is cleared, for passing through the clearance channel payment for providing clearance service.
23. device according to claim 22, which is characterized in that the device further include:
Accounting module, for the amount of money book keeping operation to payment.
24. device according to claim 13, which is characterized in that the acquisition module, be also used to obtain product code and
Event code, and type of service is determined according to the product code and event code；The type of service is obtained according to the type of service
Corresponding business factor.
25. a kind of device of determining clearance channel characterized by comprising processor and memory store on the memory
There is program；
The processor, for executing described program to realize method described in -12 any one according to claim 1.
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