CN109598604B - Day-to-day cutting judgment method and device - Google Patents

Day-to-day cutting judgment method and device Download PDF

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CN109598604B
CN109598604B CN201811380499.8A CN201811380499A CN109598604B CN 109598604 B CN109598604 B CN 109598604B CN 201811380499 A CN201811380499 A CN 201811380499A CN 109598604 B CN109598604 B CN 109598604B
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黄瑛
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Bank of China Ltd
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Abstract

The invention discloses a daily cutting judgment method and a daily cutting judgment device, wherein the method comprises the following steps: acquiring the credit account type, transaction date and transaction time of a transaction; determining configuration parameters of the transaction in a payment clearing system according to the credit account type of the transaction; determining at least one type of daily cutting time of the transaction according to the configuration parameters of the transaction in the payment clearing system; and determining the accounting date of the transaction according to at least one type of daily cutting time, transaction date and transaction time of the transaction. According to the invention, different daily cutting time is configured for different account types according to actual requirements, so that accurate daily cutting judgment is realized, and the problems of inaccurate daily cutting judgment and unreasonable accounting date caused by adopting uniform daily cutting time for judgment are solved.

Description

Day-to-day cutting judgment method and device
Technical Field
The invention relates to the technical field of banking business clearing, in particular to a daily cutting judgment method and a daily cutting judgment device.
Background
The financial institution needs to perform business clearing and statistics on the transactions of the current day every day, whether the running time of the payment system is 7 × 24h or 5 × 8h, a time point needs to be set as a time point when the transaction of a certain business is terminated on the current day, and business clearing and statistics are performed on the transactions before the time point, and the transactions after the time point are counted into the business of the next day, and the time point is called as a daily cutting time. The payment clearing system sets a daily time switch, switches the system date at the daily time switch, judges whether the transaction time of the transaction is the daily time switch or not in the transaction processing process, and determines whether the transaction needs daily service clearing and statistics according to the judgment result.
In the prior art, a payment clearing system judges all transactions by adopting uniform daily cutting time, so as to determine the accounting date of the transaction. However, for worldwide payments, there are many types of credit accounts in a transaction, such as an Account opened by a bank performing the transaction in a bank other than the bank (NOS Account), an Account opened by another bank performing the transaction in a bank (VOS Account), an Account opened by a bank performing the transaction in a clearing institution (setcredit Account), and the like. The actual requirements cannot be met only by adopting uniform daily cutting time for judgment, and the problems of inaccurate daily cutting judgment and unreasonable accounting date can be caused.
Disclosure of Invention
The embodiment of the invention provides a daily cutting judgment method, which is used for performing daily cutting judgment on each transaction, determining the accounting date of the transaction and overcoming the problems of inaccurate daily cutting judgment and unreasonable accounting date caused by adopting uniform daily cutting time for judgment, and comprises the following steps:
acquiring the credit account type, transaction date and transaction time of a transaction;
determining configuration parameters of the transaction in a payment clearing system according to the credit account type of the transaction;
determining at least one type of daily cutting time of the transaction according to the configuration parameters of the transaction in the payment clearing system;
and determining the financial date of the transaction according to at least one type of daily cutting time, transaction date and transaction time of the transaction.
The embodiment of the invention provides a daily cutting judgment device, which is used for performing daily cutting judgment on each transaction, determining the accounting date of the transaction and overcoming the problems of inaccurate daily cutting judgment and unreasonable accounting date caused by adopting uniform daily cutting time for judgment, and comprises the following components:
the acquisition module is used for acquiring the credit account type, transaction date and transaction time of the transaction;
a configuration determining module for determining configuration parameters of the transaction in a payment clearing system according to a credit account type of the transaction;
the daily cutting time determining module is used for determining at least one type of daily cutting time of the transaction according to the configuration parameters of the transaction in the payment clearing system;
and the accounting date determining module is used for determining the accounting date of the transaction according to at least one type of daily cutting time, transaction date and transaction time of the transaction.
Compared with the scheme that uniform daily cutting time is adopted for various credit side accounts to judge in the prior art, the method and the device for judging the financial transaction determine the configuration parameters of the transaction in the payment clearing system according to the credit side account type of the transaction, determine at least one type of daily cutting time of the transaction according to the configuration parameters of the transaction in the payment clearing system, and determine the financial date of the transaction according to the at least one type of daily cutting time, the transaction date and the transaction time of the transaction. According to the embodiment of the invention, different daily cutting time is configured for different account types according to actual requirements, so that accurate daily cutting judgment is realized, reasonable accounting date is obtained, and the problems of inaccurate daily cutting judgment and unreasonable accounting date caused by adopting uniform daily cutting time for judgment are solved.
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In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts. In the drawings:
FIG. 1 is a schematic diagram of a daily cutting determination method according to an embodiment of the present invention;
fig. 2 is a structural diagram of a daily cutting determination device in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In order to perform daily-cut judgment on each transaction, determine the accounting date of the transaction, and overcome the problems of inaccurate daily-cut judgment and unreasonable accounting date caused by adopting uniform daily-cut time for judgment, an embodiment of the present invention provides a daily-cut judgment method, as shown in fig. 1, the method may include:
step 101, obtaining the credit account type, transaction date and transaction time of a transaction;
step 102, determining configuration parameters of the transaction in a payment clearing system according to the credit account type of the transaction;
103, determining at least one type of daily cutting time of the transaction according to the configuration parameters of the transaction in the payment clearing system;
and step 104, determining the accounting date of the transaction according to at least one type of daily cutting time, transaction date and transaction time of the transaction.
As shown in fig. 1, in the embodiment of the present invention, by obtaining a credit account type, a transaction date, and a transaction time of a transaction, a configuration parameter of the transaction in a payment clearing system is determined according to the credit account type of the transaction, at least one type of daily cutting time of the transaction is determined according to the configuration parameter of the transaction in the payment clearing system, and an accounting date of the transaction is determined according to the at least one type of daily cutting time, the transaction date, and the transaction time of the transaction. According to the embodiment of the invention, different daily cutting time is configured for different account types according to actual requirements, so that accurate daily cutting judgment is realized, reasonable accounting date is obtained, and the problems of inaccurate daily cutting judgment and unreasonable accounting date caused by adopting uniform daily cutting time for judgment are solved.
In specific implementation, the credit account type, transaction date and transaction time of the transaction are obtained. Wherein the credit account types for the transaction include: an account (NOS account) opened by the first bank at the second bank, an account (VOS account) opened by the third bank at the first bank, or an account (SET account) opened by the first bank at the clearinghouse, wherein the first bank is a bank that performs the transaction, and the second bank and the third bank are banks other than the first bank. It should be noted that the second bank and the third bank may be the same bank or different banks.
In particular implementations, configuration parameters for a transaction in a payment clearing system are determined based on a credit account type of the transaction. The inventor has found that in the prior art, the payment clearing system determines that all transactions have a uniform daily due time, thereby determining the accounting date of the transaction. However, for worldwide payments, the types of credit accounts in one transaction are various, and the judgment by only adopting the uniform daily cutting time cannot meet the actual requirement, so that the problems of inaccurate daily cutting judgment and unreasonable accounting date can be caused. Therefore, according to the embodiment of the invention, the daily cutting time types required to be judged by various credit accounts are stored in the payment clearing system in advance in a configuration parameter mode according to actual requirements, and when the daily cutting judgment of one transaction is carried out, the configuration parameters of the transaction are obtained from the payment clearing system according to the credit account types of the transaction, namely the daily cutting time types required to be judged by the transaction are obtained, and then the daily cutting judgment is carried out according to the daily cutting time to obtain the accounting date, so that the accurate daily cutting judgment is realized, the reasonable accounting date is obtained, and the problems of inaccurate daily cutting judgment and unreasonable accounting date caused by adopting uniform daily cutting time for judgment are solved. In an embodiment, the configuration parameters for the transaction in the payment clearing system include user-defined configuration parameters, and/or, default configuration parameters.
In specific implementation, at least one type of daily cutting time of the transaction is determined according to the configuration parameters of the transaction in the payment clearing system. In an embodiment, at least one type of time-to-day for the transaction includes one or a combination of the following categories: the business processing time is cut every day, the capital position time is cut every day, and the time is cut every day.
For example, the configuration parameters stored in the payment clearing system are shown in table 1, where 1 represents that the judgment of the type of time-to-day is required, and 0 represents that the judgment of the type of time-to-day is not performed.
TABLE 1 configuration parameters stored in a payment clearing system
Figure BDA0001871751610000041
From table 1, when the credit account type of a transaction is NOS account, the type of the cutting time required for the transaction is: the business processing daily cutting time and the capital position daily cutting time; when the credit account type of a transaction is a VOS account, the type of the daily cutting time required to be judged for the transaction is as follows: service processing daily cutting time; when the credit account type of a transaction is SET account, the daily cutting time type required for the transaction to be judged is as follows: the business processing daily cutting time and the local clearing daily cutting time.
In specific implementation, the accounting date of the transaction is determined according to at least one type of daily cutting time, transaction date and transaction time of the transaction.
In an embodiment, determining the accounting date of the transaction based on at least one type of time of day, date of transaction, and time of transaction for the transaction comprises:
comparing at least one type of daily cutting time of the transaction with the transaction time;
if the transaction time is later than at least one type of daily cutting time of the transaction, determining the day after the transaction date as the accounting date of the transaction;
and if the transaction time is not later than all types of daily cutting time of the transaction, determining the transaction date as the accounting date of the transaction.
For example, when the credit account type of a transaction is NOS account, the type of the cutting time required for the transaction is: business processing daily cutting time and capital position daily cutting time. Comparing the transaction time with the business processing daily cutting time and the capital position daily cutting time respectively, and if the transaction time is later than at least one type of daily cutting time in the business processing daily cutting time and the capital position daily cutting time, determining the day after the transaction date as the financial date of the transaction; and if the transaction time is not later than the business processing daily cutting time and the fund position daily cutting time, determining the transaction date as the financial date of the transaction.
In an embodiment, the order of the daily cutting judgment may be configured. As an example, the order of the daily cutting determination is configured as: and the business processing daily cutting time is judged preferentially, the local clearing daily cutting time is judged secondly, and the capital position daily cutting time is judged finally. When the financial date of one transaction is determined, if the credit account type of the transaction is an NOS account, according to the configured daily cutting determination sequence, the transaction needs to firstly determine the daily cutting time of business processing, compare the transaction time with the daily cutting time of business processing, and if the transaction time is later than the daily cutting time of business processing, determine the day after the transaction date as the financial date of the transaction without continuously determining the first inch of capital daily cutting time; if the transaction time is not later than the business processing daily cutting time, continuing to judge the fund position daily cutting time, comparing the transaction time with the fund position daily cutting time, if the transaction time is later than the fund position daily cutting time, determining the day after the transaction time as the financial date of the transaction, and if the transaction time is not later than the fund position daily cutting time, determining the transaction date as the financial date of the transaction.
Based on the same inventive concept, the embodiment of the present invention further provides a daily cutting determination device, as described in the following embodiments. Because the principle of solving the problems is similar to that of the daily judgment method, the implementation of the device can refer to the implementation of the method, and repeated parts are not described again.
Fig. 2 is a structural diagram of a day-to-day judgment device in an embodiment of the present invention, and as shown in fig. 2, the device includes:
an obtaining module 201, configured to obtain a credit account type, a transaction date, and a transaction time of a transaction;
a configuration determining module 202, configured to determine configuration parameters of the transaction in a payment clearing system according to a credit account type of the transaction;
the daily switching time determining module 203 is used for determining at least one type of daily switching time of the transaction according to the configuration parameters of the transaction in the payment clearing system;
the accounting date determining module 204 is configured to determine an accounting date of the transaction according to at least one type of daily cutting time, the transaction date, and the transaction time of the transaction.
In one embodiment, the credit account types for the transaction include: an account opened by a first bank at a second bank, an account opened by a third bank at the first bank, or an account opened by the first bank at a clearinghouse, wherein the first bank is the bank conducting the transaction, and the second bank and the third bank are banks other than the first bank.
In one embodiment, the configuration parameters for the transaction in the payment clearing system include:
user-defined configuration parameters, and/or default configuration parameters.
In one embodiment, at least one type of time-to-day for a transaction includes one or a combination of the following categories: the business processing time is cut every day, the capital position time is cut every day, and the time is cut every day.
In one embodiment, the accounting date determination module is further configured to:
comparing at least one type of daily cutting time of the transaction with the transaction time;
if the transaction time is later than at least one type of daily cutting time of the transaction, determining the day after the transaction date as the accounting date of the transaction;
and if the transaction time is not later than all types of daily cutting time of the transaction, determining the transaction date as the accounting date of the transaction.
In summary, in the embodiments of the present invention, by obtaining a credit account type, a transaction date, and a transaction time of a transaction, a configuration parameter of the transaction in a payment clearing system is determined according to the credit account type of the transaction, at least one type of daily cutting time of the transaction is determined according to the configuration parameter of the transaction in the payment clearing system, and an accounting date of the transaction is determined according to the at least one type of daily cutting time, the transaction date, and the transaction time of the transaction. According to the embodiment of the invention, the daily cutting time types required to be judged by various credit accounts are stored in the payment clearing system in advance in a configuration parameter mode according to actual requirements, and when the daily cutting judgment of one transaction is carried out, the configuration parameters of the transaction are obtained from the payment clearing system according to the credit account types of the transaction, namely the daily cutting time types required to be judged by the transaction are obtained, and then the daily cutting judgment is carried out according to the daily cutting time to obtain the accounting date, so that the accurate daily cutting judgment is realized, the reasonable accounting date is obtained, and the problems of inaccurate daily cutting judgment and unreasonable accounting date caused by adopting uniform daily cutting time for judgment are solved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are provided to further explain the objects, technical solutions and advantages of the present invention in detail, and it should be understood that the above-mentioned embodiments are only examples of the present invention and should not be used to limit the scope of the present invention, and any modifications, equivalents, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (12)

1. A daily cutting judgment method is characterized by comprising the following steps:
acquiring the credit account type, transaction date and transaction time of a transaction;
determining configuration parameters of the transaction in a payment clearing system according to the credit account type of the transaction;
determining at least one type of daily cutting time of the transaction according to the configuration parameters of the transaction in the payment clearing system;
and determining the accounting date of the transaction according to at least one type of daily cutting time, transaction date and transaction time of the transaction.
2. The method of claim 1, wherein the credit account type of the transaction comprises: an account opened by a first bank at a second bank, an account opened by a third bank at the first bank, or an account opened by the first bank at a clearing house, wherein the first bank is a bank performing the transaction, and the second bank and the third bank are banks other than the first bank.
3. The method of claim 1, wherein the configuration parameters for the transaction in a payment clearing system comprise:
user-defined configuration parameters, and/or default configuration parameters.
4. The method of claim 1, wherein at least one type of time-to-day for the transaction comprises one or a combination of the following categories: the business processing time is divided into days, the capital position time is divided into days, and the clearing time is divided into days.
5. The method of claim 1, wherein determining the accounting date for the transaction based on at least one type of time of day, date of transaction, and time of transaction for the transaction comprises:
comparing at least one type of daily cutting time of the transaction with the transaction time;
if the transaction time is later than at least one type of daily cutting time of the transaction, determining the day after the transaction date as the accounting date of the transaction;
and if the transaction time is not later than all types of daily cutting time of the transaction, determining the transaction date as the accounting date of the transaction.
6. A daily cutting determination device, comprising:
the acquisition module is used for acquiring the credit account type, transaction date and transaction time of the transaction;
a configuration determining module for determining configuration parameters of the transaction in a payment clearing system according to the credit account type of the transaction;
the daily cutting time determining module is used for determining at least one type of daily cutting time of the transaction according to the configuration parameters of the transaction in the payment clearing system;
and the accounting date determining module is used for determining the accounting date of the transaction according to at least one type of daily cutting time, the transaction date and the transaction time of the transaction.
7. The apparatus of claim 6, wherein the credit account type of the transaction comprises: an account opened by a first bank at a second bank, an account opened by a third bank at the first bank, or an account opened by the first bank at a clearing house, wherein the first bank is a bank performing the transaction, and the second bank and the third bank are banks other than the first bank.
8. The apparatus of claim 6, wherein the configuration parameters for the transaction in a payment clearing system include:
user-defined configuration parameters, and/or default configuration parameters.
9. The apparatus of claim 6, wherein the at least one category of time-to-day for the transaction comprises one or a combination of the following categories: the business processing time is divided into days, the capital position time is divided into days, and the clearing time is divided into days.
10. The apparatus of claim 6, wherein the accounting date determination module is further to:
comparing at least one type of daily cutting time of the transaction with the transaction time;
if the transaction time is later than at least one type of daily cutting time of the transaction, determining the day after the transaction date as the accounting date of the transaction;
and if the transaction time is not later than all types of daily cutting time of the transaction, determining the transaction date as the accounting date of the transaction.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that it stores a computer program for executing the method of any one of claims 1 to 5.
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