CN110070350B - Payment service settlement processing method and system - Google Patents

Payment service settlement processing method and system Download PDF

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CN110070350B
CN110070350B CN201910228066.9A CN201910228066A CN110070350B CN 110070350 B CN110070350 B CN 110070350B CN 201910228066 A CN201910228066 A CN 201910228066A CN 110070350 B CN110070350 B CN 110070350B
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张鑫
徐艳婷
徐亢
曲天伟
唐跃英
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China Payment & Clearing Network Co ltd Cpcn
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Abstract

The invention discloses aA payment service settlement processing method and a system relate to the technical field of financial payment and can provide flexible and high-quality payment settlement service for merchants in real time and all weather. The method comprises the following steps: account ID based on each merchantjEstablishing a correlated account model PAjAccount transaction queue QjAnd account transaction statement Rj(ii) a Determining account IDjType of current transaction activity taking place, adding and/or deleting and/or updating account transaction queue node Qj(ii) a Obtaining the current time t1All account IDs ofjAssociated Account transaction queue QjAnd account transaction statement RjAnd based on the transaction detail table R of each accountjEstimating the current time t1Corresponding per account IDjThe expected reserve fund limit; obtaining a pre-clearing node set L after reserving the reserved fund amount through calculationj(ii) a Comparing a set of pre-clearing nodes LjAnd t2Time of day account transaction queue QjDetermining actual clearing nodes and synchronously updating account model PAj. The system comprises the method provided by the scheme.

Description

Payment service settlement processing method and system
Technical Field
The invention relates to the technical field of financial payment, in particular to a payment service settlement processing method and system.
Background
In recent years, payment service innovation is continuous, businesses lead the world trend, are favorable for deepening and developing, customer groups participating in payment are increasingly huge, and social development and service livelihood improvement capacity are promoted continuously. Especially, under the increasingly developing environment of electronic commerce, extremely high requirements are placed on the safety, high efficiency, flexibility and accuracy of internet payment and settlement services.
Along with the change of market environment, the flexibility of fund settlement has wide market demand, on one hand, the requirements of merchants on fund turnover efficiency are higher and higher, on the other hand, the success rate guarantee of the merchants on fund outflow type transactions is more and more emphasized, and the traditional mode of clearing settlement based on transaction collection cannot realize the 'instant in and instant out' of the deposit transaction, cannot provide the support of the real-time deposit type transaction, and cannot support the 7 x 24h real-time settlement, so that the improvement of settlement capacity is restricted. In addition, the settlement system in the prior art does not have a fund settlement prediction function and cannot provide a maximum fund utilization support service for merchants.
Disclosure of Invention
The invention aims to provide a payment service settlement processing method and a payment service settlement processing system, which can provide flexible and high-quality payment settlement service for merchants in real time and all weather.
In order to achieve the above object, an aspect of the present invention provides a payment transaction settlement processing method, including:
account ID based on each merchantjEstablishing a correlated account model PAjAccount transaction queue QjAnd account transaction statement RjThe account model PAjIncluding account IDjPrevious account period time, previous account period balance, current account period time and current account period balance information, and the account transaction queue QjThe system comprises a plurality of transaction nodes generated by a plurality of transaction behaviors, wherein each transaction node comprises a transaction flow code, transaction accounting time and transaction amount information, and an account transaction detail table RjThe method comprises the steps of including a transaction flow code, transaction accounting time and transaction amount information;
determining the account IDjIf the transaction type is deposit transaction, the generated transaction nodes are directly and sequentially added into the account transaction queue QjIf the transaction type is the cash-out transaction, the transaction queue Q is selected from the account transaction queue Q according to the cash-out transaction amountjSelecting transaction nodes in sequence, updating transaction amount information in the transaction nodes and/or deleting the selected transaction nodes;
obtaining the current time t1Total account model PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'jAnd based on the transaction detail table R of each accountjIn the transaction noteRecording and estimating current time t1Corresponding each account model PAjThe expected reserve fund limit;
according to t1Time of day respective account transaction queue copy Q'jAnd the expected reserved fund amount corresponding thereto, from each account transaction queue copy Q'jSelecting the transaction nodes in the middle and reverse order until the total transaction amount is larger than the corresponding expected reserved fund amount, deleting the selected transaction nodes, and simultaneously copying Q 'to each account transaction queue'jThe residual transaction node set is recorded as a pre-clearing node set Lj；
At time t2Acquiring transaction queues Q of each account generated in real timejDraw Account transaction queue QjWith a set of pre-clearing nodes LjThe same transaction node in the system collects the transaction amount of the same transaction node to obtain an account model PA corresponding to the current clearing periodjAnd synchronously updating the account model PAjSaid t is2＞t1；
Summarizing each account model PAjAssociated Account transaction List RjAnd accessing all transaction records from the previous accounting period time to the current accounting period time to the bank channel for settlement request.
Specifically, transaction queue Q is selected from the account according to the amount of the money outlet transactionjThe method for sequentially selecting the transaction nodes, updating the transaction amount information in the transaction nodes and/or deleting the selected transaction nodes comprises the following steps:
when the transaction amount information in the 1 st transaction node is larger than the payment transaction amount, updating the transaction amount information in the transaction node into the difference value between the transaction amount information and the payment transaction amount; alternatively, the first and second electrodes may be,
when the transaction amount information in the 1 st transaction node is equal to the payment transaction amount, directly deleting the transaction node; alternatively, the first and second electrodes may be,
when the transaction amount information in the 1 st transaction node is smaller than the fund withdrawal transaction amount, sequentially selecting the first n transaction nodes to count the transaction total amount of the transaction nodes, deleting the first n-1 transaction nodes until the transaction total amount is larger than the fund withdrawal transaction amount, updating the transaction amount information of the nth transaction node into the difference value between the transaction total amount and the fund withdrawal transaction amount, or deleting the first n transaction nodes until the transaction total amount is equal to the fund withdrawal transaction amount, wherein n is larger than or equal to 2.
Preferably, the current time t is obtained1Total account model PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'jAnd based on the transaction detail table R of each accountjEstimating the current time t1Corresponding each account model PAjThe method of desired reserve funds limit of (1) comprises:
based on the current time t1Request for obtaining all account models PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'j；
Respectively counting transaction lists R of each accountjAt time t in historical N days1Then generating the amount of the deposit transaction and the amount of the deposit transaction, and calculating the transaction detail table R of each account based on the difference between the amount of the deposit transaction and the amount of the deposit transactionjCorresponding mean value EjSum variance Dj；
When mean value EjSum variance DjIf the sum is greater than zero, the current time t1Account model PAjThe corresponding expected reserve fund amount is equal to the mean value EjSum variance DjSumming;
when mean value EjSum variance DjThe sum is less than or equal to zero, then the current time t1Account model PAjThe corresponding expected reserve fund amount is zero.
Preferably, according to t1Time of day respective account transaction queue copy Q'jAnd the expected reserved fund amount corresponding thereto, from each account transaction queue copy Q'jSelecting the transaction nodes in the middle and reverse order until the total transaction amount is larger than the corresponding expected reserved fund amount, deleting the selected transaction nodes, and simultaneously copying Q 'to each account transaction queue'jMiddle surplus transaction nodeThe collection is recorded as a pre-clearing node collection LjThe method comprises the following steps:
step S1, according to the reserved fund amount, copying Q 'from the corresponding account transaction queue'jSelecting trading nodes in the middle and reverse order;
step S2, judging whether the total transaction amount in the selected transaction node is larger than the corresponding reserved fund amount, when the total transaction amount is smaller than the corresponding reserved fund amount, adding a transaction node in the reverse order and returning to the step S1 until the total transaction amount is larger than the corresponding expected reserved fund amount, deleting the selected transaction node, and copying the related account transaction queue Q'jThe rest of the transaction node set is marked as a pre-clearing node set Lj；
Step S3, repeating step S1 and step S2, respectively obtaining each account transaction queue copy Q'jCorresponding set of pre-clearing nodes Lj。
Preferably, at time t2Acquiring transaction queues Q of each account generated in real timejDraw Account transaction queue QjWith a set of pre-clearing nodes LjThe same transaction node in the system collects the transaction amount of the same transaction node to obtain an account model PA corresponding to the current clearing periodjThe method of actual clearing of the total includes:
extracting each account transaction queue QjWith a set of pre-clearing nodes LjThe transaction nodes with the same transaction flow code obtain each account model PA by summarizing the transaction amount of the extracted transaction nodesjActual clearing totals corresponding to the current clearing period;
pair account transaction queue Q for deleting liquidated nodesjWhile recording the updated account transaction queue QjTransaction accounting time t of middle queue head nodec。
Preferably, the account model PA is updated synchronouslyjThe method comprises the following steps:
account model PAjThe current account period time in (1) is updated to the previous account period time, the transaction accounting time tcThe current account period time is updated, and the balance of the previous account period is updated to be the current account periodAnd updating the account period balance to be a difference value between the current account period balance and the actual clearing total.
Compared with the prior art, the payment service settlement processing method provided by the invention has the following beneficial effects:
in the payment service settlement processing method provided by the invention, account ID of each merchant is firstly basedjEstablishing an account model PA associated with the account model PAjAccount transaction queue QjAnd account transaction statement RjWherein the account model PAjIncluding account IDjPrevious account period time, previous account period balance, current account period time and current account period balance information, and account transaction queue QjThe system consists of a plurality of transaction nodes generated by a plurality of transaction behaviors, wherein each transaction node comprises a transaction flow code, transaction time and transaction amount information, and an account transaction detail table RjIncluding merchant identification, transaction running code, transaction acceptance time, transaction state, transaction amount, account IDjAnd transaction accounting time, at the corresponding account IDjWhen a transaction occurs, if the transaction is a deposit transaction, the generated transaction nodes are directly and sequentially additionally recorded into an account transaction queue QjIf the transaction is a cash-out transaction, the transaction queue Q is checkedjUpdating the transaction node in (1); at the current time t1Obtaining all account models PA to be cleared in the systemjSnapshot and account transaction list RjSnapshot of and account transaction queue QjCopy Q'jThen, based on the snapshot, estimate each account model PAjAt time t1The corresponding expected reserved fund amount is copied according to the transaction queue of each account'jAnd the expected reserved fund amount corresponding to the account transaction queue copy Q 'is screened out'jSet of pre-clearing nodes L in (1)jThen, at time t2Acquiring transaction queues Q of each account generated in real timejTransaction queue Q by drawing accountjWith a set of pre-clearing nodes LjThe same transaction node in the system is summarized to obtain the account model PA corresponding to the current clearing periodjThe actual sum of clearing, and finally, the model PA of each account is summarizedjAssociated Account transaction List RjAnd accessing all transaction records from the previous account period time to the current account period time in the medium transaction accounting time to a bank channel for settlement request.
Therefore, the invention establishes the account model PAjAccount transaction queue QjAnd account transaction statement RjThe account transaction queue Q can be dynamically updated according to the deposit transaction or the withdrawal transaction generated in real timejThe system has the function of real-time accounting for the deposit transaction, can realize the real-time availability of the collected funds for the merchants, supports the 7 x 24h real-time settlement of the merchants, and also realizes the real-time accounting of the transaction detail table R of each accountjIt is also possible to implement a model PA for each accountjThe pre-estimation function of the expected reserved fund amount can meet the requirement of the merchant on the maximized fund utilization rate while ensuring the successful rate of the merchant's cash-out transaction, and provide more intelligent, flexible and high-quality payment settlement service for the merchant.
Another aspect of the present invention provides a payment service settlement processing system, which is applied to the payment service settlement processing method in the above technical solution, and the system includes:
a modeling table unit for identifying account ID based on each merchantjEstablishing a correlated account model PAjAccount transaction queue QjAnd account transaction statement RjThe account model PAjIncluding account IDjPrevious account period time, previous account period balance, current account period time and current account period balance information, and the account transaction queue QjThe system comprises a plurality of transaction nodes generated by a plurality of transaction behaviors, wherein each transaction node comprises a transaction flow code, transaction accounting time and transaction amount information, and an account transaction detail table RjThe method comprises the steps of including a transaction flow code, transaction accounting time and transaction amount information;
a node updating unit for judging the account IDjIf the transaction type is deposit transaction, the generated transaction nodes are directly and sequentially added into the account transaction queue QjIf the transaction type is the cash-out transaction, the transaction queue Q is selected from the account transaction queue Q according to the cash-out transaction amountjSelecting transaction nodes in sequence, updating transaction amount information in the transaction nodes and/or deleting the selected transaction nodes;
a first calculating unit for obtaining the current time t1Total account model PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'jAnd based on the transaction detail table R of each accountjThe transaction record in (1) estimates the current time t1Each account model PA corresponding to each otherjThe expected reserve fund limit;
a pre-clearing node screening unit for screening nodes according to t1Time of day respective account transaction queue copy Q'jAnd the expected reserved fund amount corresponding thereto, from each account transaction queue copy Q'jSelecting the transaction nodes in the middle and reverse order until the total transaction amount is larger than the corresponding expected reserved fund amount, deleting the selected transaction nodes, and simultaneously copying Q 'to each account transaction queue'jThe residual transaction node set is recorded as a pre-clearing node set Lj；
A second calculation unit for calculating at time t2Acquiring transaction queues Q of each account generated in real timejDraw Account transaction queue QjWith a set of pre-clearing nodes LjThe same transaction node in the system collects the transaction amount of the same transaction node to obtain an account model PA corresponding to the current clearing periodjAnd synchronously updating the account model PAjSaid t is2＞t1；
A clearing processing unit for summarizing each account model PAjAssociated Account transaction List RjAnd accessing all transaction records from the previous accounting period time to the current accounting period time to the bank channel for settlement request.
Preferably, the first calculation unit includes:
a to-be-cleared account acquisition module based on the current time t1Request for obtaining all account models PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'j；
A first calculation module for respectively counting the transaction detail table R of each accountjAt time t in historical N days1Then generating the amount of the deposit transaction and the amount of the deposit transaction, and calculating the transaction detail table R of each account based on the difference between the amount of the deposit transaction and the amount of the deposit transactionjCorresponding mean value EjSum variance Dj；
A first judgment module for judging the mean value EjSum variance DjIf the sum is greater than zero, the current time t1Account model PAjThe corresponding expected reserve fund amount is equal to the mean value EjSum variance DjSumming; or, when the mean value EjSum variance DjThe sum is less than or equal to zero, then the current time t1Account model PAjThe corresponding expected reserve fund amount is zero.
Preferably, the pre-clearing node screening unit includes:
a transaction node selection module for trading a queue copy Q 'from a corresponding account according to the reserved fund amount'jSelecting trading nodes in the middle and reverse order;
a second judging module, configured to judge whether a total transaction amount in the selected transaction node is greater than a corresponding reserved fund amount, and when the total transaction amount is less than the corresponding reserved fund amount, add a transaction node in a reverse order to re-respond to the transaction node selecting module, delete the selected transaction node until the total transaction amount is greater than the corresponding expected reserved fund amount, and copy Q 'of an associated account transaction queue'jThe rest of the transaction node set is marked as a pre-clearing node set Lj。
Preferably, the second calculation unit includes:
a clearing fund summarizing module for extracting each account transaction queue QjWith a set of pre-clearing nodes LjThe transaction nodes with the same transaction flow code obtain each account model PA by summarizing the transaction amount of the extracted transaction nodesjActual clearing totals corresponding to the current clearing period;
an accounting period time recording module for deleting the node completion account transaction queue Q of which the clearing is completedjWhile recording the updated account transaction queue QjTransaction accounting time t of middle queue head nodec。
Compared with the prior art, the payment service settlement processing system provided by the invention has the same beneficial effects as the payment service settlement processing method provided by the technical scheme, and the details are not repeated herein.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the invention and not to limit the invention. In the drawings:
fig. 1 is a schematic flow chart of a payment transaction settlement processing method according to an embodiment of the present invention;
fig. 2 is a block diagram of a payment transaction settlement processing system according to a second embodiment of the present invention.
Reference numerals:
1-modeling table unit, 2-node updating unit;
3-a first computing unit, 4-a pre-clearing node screening unit;
5-a second calculation unit, 6-a clearing processing unit.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present invention comprehensible, embodiments accompanied with figures are described in detail below. It is to be understood that the described embodiments are merely exemplary of the invention, and not restrictive of the full scope of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Example one
Referring to fig. 1, the present embodiment provides a payment transaction settlement processing method, including:
account ID based on each merchantjEstablishing a correlated account model PAjAccount transaction queue QjAnd account transaction statement RjAccount model PAjIncluding account IDjPrevious account period time, previous account period balance, current account period time and current account period balance information, and account transaction queue QjThe system comprises a plurality of transaction nodes generated by a plurality of transaction behaviors, wherein each transaction node comprises a transaction flow code, transaction accounting time and transaction amount information, and an account transaction detail table RjThe method comprises the steps of including a transaction flow code, transaction accounting time and transaction amount information; determining account IDjIf the transaction type is deposit transaction, the generated transaction nodes are directly added into the account transaction queue QjIf the transaction type is the cash-out transaction, the transaction queue Q is transacted from the account according to the cash-out transaction amountjSelecting transaction nodes in sequence, updating transaction amount information in the transaction nodes and/or deleting the selected transaction nodes; obtaining the current time t1Total account model PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'jAnd based on the transaction detail table R of each accountjThe transaction record in (1) estimates the current time t1Corresponding each account model PAjThe expected reserve fund limit; according to t1Time of day respective account transaction queue copy Q'jAnd the expected reserved fund amount corresponding thereto, from each account transaction queue copy Q'jSelecting the transaction nodes in the middle and reverse order until the total transaction amount is larger than the corresponding expected reserved fund amount, deleting the selected transaction nodes, and simultaneously copying Q 'to each account transaction queue'jThe residual transaction node set is recorded as a pre-clearing node set Lj(ii) a At time t2Acquiring transaction queues Q of each account generated in real timejDraw Account transaction queue QjWith a set of pre-clearing nodes LjThe same transaction node in (1), summarizing the same transactionThe transaction amount of the node obtains an account model PA corresponding to the current clearing periodjAnd synchronously updating the account model PAj，t2＞t1(ii) a Summarizing each account model PAjAssociated Account transaction List RjAnd accessing all transaction records from the previous accounting period time to the current accounting period time to the bank channel for settlement request.
In the payment transaction settlement processing method provided in this embodiment, first, account IDs of merchants are based onjRespectively establishing account models PA associated with the samejAccount transaction queue QjAnd account transaction statement RjWherein the account model PAjIncluding account IDjPrevious account period time, previous account period balance, current account period time and current account period balance information, and account transaction queue QjThe system consists of a plurality of transaction nodes generated by a plurality of transaction behaviors, wherein each transaction node comprises a transaction flow code, transaction time and transaction amount information, and an account transaction detail table RjIncluding merchant identification, transaction running code, transaction acceptance time, transaction state, transaction amount, account IDjAnd transaction accounting time, at the corresponding account IDjWhen a transaction occurs, if the transaction is a deposit transaction, the generated transaction nodes are directly and sequentially additionally recorded into an account transaction queue QjIf the transaction is a cash-out transaction, the transaction queue Q is checkedjUpdating the transaction node in (1); at the current time t1Obtaining all account models PA to be cleared in the systemjSnapshot and account transaction list RjSnapshot of and account transaction queue QjCopy Q'jThen, based on the snapshot, estimate each account model PAjAt time t1The corresponding expected reserved fund amount is copied according to the transaction queue of each account'jAnd the expected reserved fund amount corresponding to the account transaction queue copy Q 'is screened out'jSet of pre-clearing nodes L in (1)jThen, at time t2Acquiring transaction queues Q of each account generated in real timejTransaction queue Q by drawing accountjWith a set of pre-clearing nodes LjThe same transaction node in the system is summarized to obtain the account model PA corresponding to the current clearing periodjThe actual sum of clearing, and finally, the model PA of each account is summarizedjAssociated Account transaction List RjAnd (4) accessing all transaction records from the previous accounting period time to the current accounting period time (current clearing period) to the bank channel for settlement request.
It can be seen that the embodiment establishes the account model PAjAccount transaction queue QjAnd account transaction statement RjThe account transaction queue Q can be dynamically updated according to the deposit transaction or the withdrawal transaction generated in real timejThe system has the function of real-time accounting for the deposit transaction, can realize the real-time availability of the collected funds for the merchants, supports the 7 x 24h real-time settlement of the merchants, and also realizes the real-time accounting of the transaction detail table R of each accountjIt is also possible to implement a model PA for each accountjThe pre-estimation function of the expected reserved fund amount can meet the requirement of the merchant on the maximized fund utilization rate while ensuring the successful rate of the merchant's cash-out transaction, and provide more intelligent, flexible and high-quality payment settlement service for the merchant.
It is understood that the deposit transaction in the above embodiments includes a payment transaction that occurs by a user using an online banking payment, a quick payment, a code scanning payment, etc., and the deposit transaction includes a payment transaction that occurs by a merchant or a merchant transferring a money. Illustratively, the account model PAjThe data structure of (1) is { account Id, previous account period time, previous account period balance, current account period time, current account period balance }, the data structure of transaction node is { transaction flow code, transaction time, transaction amount }, for example, an account transaction queue Q composed of a plurality of transaction nodesjHas a data structure of { tx1, 20181212100001111, 100}, { tx2, 20181212100001112, 50}, … …, { txn, 20181212100021113, 80 }.
In the above embodiment, the transaction queue Q is selected from the account according to the amount of the deposit transactionjThe method for sequentially selecting the transaction nodes, updating the transaction amount information in the transaction nodes and/or deleting the selected transaction nodes comprises the following steps:
when the transaction amount information in the 1 st transaction node is larger than the payment transaction amount, updating the transaction amount information in the transaction node into the difference value between the transaction amount information and the payment transaction amount; or when the transaction amount information in the 1 st transaction node is equal to the payment transaction amount, directly deleting the transaction node; or when the transaction amount information in the 1 st transaction node is smaller than the fund withdrawal transaction amount, sequentially selecting the first n transaction nodes to count the transaction total amount of the transaction nodes, deleting the first n-1 transaction nodes until the transaction total amount is larger than the fund withdrawal transaction amount, updating the transaction amount information of the nth transaction node into the difference value between the transaction total amount and the fund withdrawal transaction amount, or deleting the first n transaction nodes until the transaction total amount is equal to the fund withdrawal transaction amount, wherein n is larger than or equal to 2.
For ease of understanding, now by way of example, assume an account transaction queue QjIs { tx1, 20181212100001111, 100}, { tx2, 20181212100001112, 50}, … …, { txn, 20181212100021113, 80}, when a money-out transaction amount is 50 yuan, the updated account transaction queue Q is updatedjIs { tx1, 20181212100001111, 50}, { tx2, 20181212100001112, 50}, … …, { txn, 20181212100021113, 80 }; when the amount of money of the fund outlet transaction is 100 yuan, the updated account transaction queue QjIs { tx2, 20181212100001112, 50}, … …, { txn, 20181212100021113, 80 }; when the amount of money is 130 yuan when a money outlet transaction occurs, the updated account transaction queue QjAre { tx2, 20181212100001112, 20}, … …, { txn, 20181212100021113, 80 }. For the deposit transaction, the method is much simpler than the deposit transaction, and only the generated transaction nodes are sequentially added into the account transaction queue QjFor example, when the amount of a deposit transaction is 50 yuan and the generated transaction node is { tx (n +1), 20181212100021114, 50}, the updated account transaction queue Q of the deposit transaction is obtainedjAre { tx1, 20181212100001111, 100}, { tx2, 20181212100001112, 50}, … …, { txn, 20181212100021113, 80}, and { tx (n +1), 20181212100021114, 50 }. It will be appreciated that when a deposit and withdrawal transaction occurs, the transaction proceedsUpdated account transaction queue QjIn addition, the account transaction list RjRecording a transaction detail and updating the account model PAjThe current billing period balance in (1).
Specifically, in the above embodiment, the current time t is obtained1Total account model PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'jAnd based on the transaction detail table R of each accountjEstimating the current time t1Corresponding each account model PAjThe method of desired reserve funds limit of (1) comprises:
based on the current time t1Request for obtaining all account models PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'j(ii) a Respectively counting transaction lists R of each accountjAt time t in historical N days1Then generating the amount of the deposit transaction and the amount of the deposit transaction, and calculating the transaction detail table R of each account based on the difference between the amount of the deposit transaction and the amount of the deposit transactionjCorresponding mean value EjSum variance Dj(ii) a When mean value EjSum variance DjIf the sum is greater than zero, the current time t1Account model PAjThe corresponding expected reserve fund amount is equal to the mean value EjSum variance DjSumming; when mean value EjSum variance DjThe sum is less than or equal to zero, then the current time t1Account model PAjThe corresponding expected reserve fund amount is zero.
In specific implementation, the transaction list R is according to each accountjUsing formulas
Figure BDA0002005836450000111
Respectively calculating the average value of the transaction amount of each account in the historical N days, and according to the transaction detail table R of each accountjUsing a formula
Figure BDA0002005836450000121
Respectively calculating the transaction of each account in the historical N daysVariance of the monetary value, where outfund represents the account transaction detail table RjWherein the amount of the deposit transaction, infind represents the account transaction statement RjAmount of the money-out transaction in (1), tiIndicating a set start time of data acquisition, i.e. the start time of data acquisition per day, tkIndicating the daily time of day of the corresponding account, i.e. the end of each day of data acquisition, tiTo tkRepresenting a time period of data acquisition, the representation being based on tiTo tkThe transaction prediction is carried out in the period of time, and the prediction model can ensure the current day-to-day time tkAll transactions may have been cleared previously. In particular to the present embodiment, i.e. from the present time t1Collecting model PA of all accounts to be clearedjAnd associated account transaction detail sheet RjData from which the slave t is then screened1Start to tkEnding the model PA of all accounts to be cleared in the periodjAnd associated account transaction detail sheet RjData, and calculating the expected reserved fund amount; it will be appreciated that if the mean value E isjSum variance DjIf the sum is greater than zero, which indicates that the merchant has the requirement of the expected reserved fund amount, defining the corresponding expected reserved fund amount to be equal to the average value EjSum variance DjSum, if mean value EjSum variance DjThe sum is less than or equal to zero, at this moment, the merchant does not have the requirement of expecting to reserve the fund amount, the corresponding expecting to reserve the fund amount is defined to be zero, the accuracy of the expected to reserve the fund amount can be ensured by calculating the mean variance, and t is freely setiAnd tkCan ensure the flexibility of the use.
It needs to be supplemented that the function of expecting to reserve the fund amount can be freely selected to be closed or opened in the specific implementation process, when the function is selected to be opened, the intelligent clearing strategy service of the system is started, the payment transaction amount of the account can be estimated according to the historical payment record of the merchant, and then more intelligent, flexible and high-quality payment settlement service is provided for the merchant; when the closing is selected, the intelligent clearing strategy service equivalent to the system is closed, namely the expected reserved fund amount is fixedly set to zero.
According to t in the above embodiments1Time of day respective account transaction queue copy Q'jAnd the expected reserved fund amount corresponding thereto, from each account transaction queue copy Q'jSelecting the transaction nodes in the middle and reverse order until the total transaction amount is larger than the corresponding expected reserved fund amount, deleting the selected transaction nodes, and simultaneously copying Q 'to each account transaction queue'jThe residual transaction node set is recorded as a pre-clearing node set LjThe method comprises the following steps:
step S1, according to the reserved fund amount, copying Q 'from the corresponding account transaction queue'jSelecting trading nodes in the middle and reverse order; step S2, judging whether the total transaction amount in the selected transaction node is larger than the corresponding reserved fund amount, when the total transaction amount is smaller than the corresponding reserved fund amount, adding a transaction node in the reverse order and returning to the step S1 until the total transaction amount is larger than the corresponding expected reserved fund amount, deleting the selected transaction node, and copying the related account transaction queue Q'jThe rest of the transaction node set is marked as a pre-clearing node set Lj(ii) a Step S3, repeating step S1 and step S2, respectively obtaining each account transaction queue copy Q'jCorresponding set of pre-clearing nodes LjIf L isjIf the collection is empty, the actual clearing and settlement are not needed, and the current clearing and settlement task exits.
In particular, assume t is obtained1Temporal account transaction queue QjCopy Q'jAre { tx1, 20181212100001111, 100}, { tx2, 20181212100001112, 50}, { tx3, 20181212100001113, 200}, { tx4, 20181212100021114, 80}, t1Account transaction queue copy of time of day Q'jThe corresponding expected reserved fund limit is 120 yuan, the transaction amount in the last transaction node is extracted by 80 yuan, the transaction amount extracted is smaller than the expected reserved fund limit, the last transaction node needs to be added and the transaction amount in the last transaction node is extracted by 200 yuan in the second round of selection, and the total transaction amount of the transaction nodes selected in the two rounds is counted280 yuan, because the total transaction amount is just larger than the expected reserved fund amount by 120 yuan, the judgment cycle exits at the moment, and a pre-clearing node set L obtained after the two selected transaction nodes are deletedjRepeating the above steps for { tx1, 20181212100001111, 100}, { tx2, 20181212100001112, 50}, respectively completing the copy Q 'of each account transaction queue'jCorresponding set of pre-clearing nodes LjAnd (4) calculating. Sufficient fund amount is reserved by gradually screening the transaction nodes, and the success rate of the fund outlet transaction can be ensured while the requirement of the maximized fund turnover rate is met.
In the above embodiment at time t2Acquiring transaction queues Q of each account generated in real timejDraw Account transaction queue QjWith a set of pre-clearing nodes LjThe same transaction node in the system collects the transaction amount of the same transaction node to obtain an account model PA corresponding to the current clearing periodjThe method of actual clearing of the total includes:
extracting each account transaction queue QjWith a set of pre-clearing nodes LjThe transaction nodes with the same transaction flow code obtain each account model PA by summarizing the transaction amount of the extracted transaction nodesjActual clearing totals corresponding to the current clearing period; pair account transaction queue Q for deleting liquidated nodesjWhile recording the updated account transaction queue QjTransaction accounting time t of middle queue head nodec。
Illustratively, the Account transaction queue QjAt time t1And time t2The deposit transaction nodes generated in the process are { tx5, 20181212100021115, 10}, { tx6, 20181212100021116, 25}, and the time t2Updated account transaction queue QjThe extraction account transaction queue Q is { tx2, 20181212100001112, 50}, { tx3, 20181212100001113, 200}, { tx4, 20181212100021114, 80}, { tx5, 20181212100021115, 10}, { tx6, 20181212100021116, 25}jWith a set of pre-clearing nodes LjIn the transaction nodes { tx2, 20181212100001112, 50} with the same transaction flow code, the current clearing period account model PA is summarizedjThe actual clearing total is 50 yuan, and the cleared account transaction queue QjUpdating to { tx3, 20181212100001113, 200}, { tx4, 20181212100021114, 80}, { tx5, 20181212100021115, 10}, and { tx6, 20181212100021116, 25}, and repeating the steps when the next accounting period is cleared; it can be understood that Q is a group of elements for easy understandingjIs a dynamically changing queue, always changing with the transaction, copy Q'jIs QjAt the clearing task time tiThe static copy queue of, wherein t1Is the clearing task start time tiOne of (1), Q'jIs fixed and invariant for use in pre-clearing, at time t2I.e. when the pre-clearing ends and the actual clearing begins, Q is lockedjQueue (i.e. transaction cannot be entered at this time), and after clearing is finished (account model PA is finished)jUpdated) to release Q againjThe queue enters a dynamic change process.
It should be noted that, in the above embodiment, the account model PA is updated synchronouslyjThe method comprises the following steps:
synchronous update account model PAjThe method comprises the following steps: account model PAjThe current account period time in (1) is updated to the previous account period time, the transaction accounting time tcUpdating the current accounting period time, updating the previous accounting period balance to the current accounting period balance, and updating the current accounting period balance to the difference value between the current accounting period balance and the actual clearing total.
In the above embodiment, the time t1Representing the initiation time of the clearing task; time t2Representing the time when the actual liquidation execution starts after the end of the pre-liquidation process; the previous accounting period time is the deadline of the previous clearing period, namely the transaction accounting time corresponding to the last transaction node in the previous clearing period; the current accounting period time is the starting time of the current clearing period, namely the transaction accounting transaction time corresponding to the first transaction node in the current clearing period; transaction accounting time tcThe clearing period is represented by the ending time of the current clearing period, namely the transaction accounting transaction time corresponding to the first transaction node in the next clearing period; the current clearing period represents the current clearing processAnd the transaction accounting time corresponding to one transaction node is up to the transaction accounting time of the last transaction node. In addition, the clearing task may set the execution time periodically during the implementation, e.g., at time t of dayiExecuting the ith clearing task, and executing the (i +1) th clearing task at intervals u, if there are multiple clearing tasks each day, for example, the starting time t of data acquisitioniIs zero point, the daily cutting time t of data acquisitionkAt 17 points, the interval u should be set to less than 17 x 60 minutes.
Example two
Referring to fig. 1 and fig. 2, the present embodiment provides a payment transaction settlement processing system, including:
modeling Table Unit 1 based on Account ID of each MerchantjEstablishing a correlated account model PAjAccount transaction queue QjAnd account transaction statement RjThe account model PAjIncluding account IDjPrevious account period time, previous account period balance, current account period time and current account period balance information, and the account transaction queue QjThe system comprises a plurality of transaction nodes generated by a plurality of transaction behaviors, wherein each transaction node comprises a transaction flow code, transaction accounting time and transaction amount information, and an account transaction detail table RjThe method comprises the steps of including a transaction flow code, transaction accounting time and transaction amount information;
a node updating unit 2 for judging the account IDjIf the transaction type is deposit transaction, the generated transaction nodes are directly and sequentially added into the account transaction queue QjIf the transaction type is the cash-out transaction, the transaction queue Q is selected from the account transaction queue Q according to the cash-out transaction amountjSelecting transaction nodes in sequence, updating transaction amount information in the transaction nodes and/or deleting the selected transaction nodes;
a first calculating unit 3 for obtaining the current time t1Total account model PA to be clearedjAnd associated account transaction detail sheet RjAnd transaction account queue QjCopy Q'jAnd transacting based on each accountDetailed description of the inventionjThe transaction record in (1) estimates the current time t1Each account model PA corresponding to each otherjThe expected reserve fund limit;
a pre-clearing node screening unit 4 for screening nodes according to t1Time of day respective account transaction queue copy Q'jAnd the expected reserved fund amount corresponding thereto, from each account transaction queue copy Q'jSelecting the transaction nodes in the middle and reverse order until the total transaction amount is larger than the corresponding expected reserved fund amount, deleting the selected transaction nodes, and simultaneously copying Q 'to each account transaction queue'jThe residual transaction node set is recorded as a pre-clearing node set Lj；
A second calculation unit 5 for calculating at time t2Acquiring transaction queues Q of each account generated in real timejDraw Account transaction queue QjWith a set of pre-clearing nodes LjThe same transaction node in the system collects the transaction amount of the same transaction node to obtain an account model PA corresponding to the current clearing periodjAnd synchronously updating the account model PAjSaid t is2＞t1；
A clearing processing unit 6 for summarizing the account models PAjAssociated Account transaction List RjAnd accessing all transaction records from the previous account period time period to the current account period time in the medium transaction accounting time to a bank channel for settlement request.
Preferably, the first calculation unit 3 comprises:
a to-be-cleared account acquisition module based on the current time t1Request for obtaining all account models PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'j；
A first calculation module for respectively counting the transaction detail table R of each accountjAt time t in historical N days1Then generating the amount of the deposit transaction and the amount of the deposit transaction, and calculating the transaction detail table R of each account based on the difference between the amount of the deposit transaction and the amount of the deposit transactionjCorresponding mean value EjSum variance Dj；
A first judgment module for judging the mean value EjSum variance DjIf the sum is greater than zero, the current time t1Account model PAjThe corresponding expected reserve fund amount is equal to the mean value EjSum variance DjSumming; or, when the mean value EjSum variance DjThe sum is less than or equal to zero, then the current time t1Account model PAjThe corresponding expected reserve fund amount is zero.
Preferably, the pre-clearing node screening unit 4 includes:
a transaction node selection module for trading a queue copy Q 'from a corresponding account according to the reserved fund amount'jSelecting trading nodes in the middle and reverse order;
a second judging module, configured to judge whether a total transaction amount in the selected transaction node is greater than a corresponding reserved fund amount, and when the total transaction amount is less than the corresponding reserved fund amount, add a transaction node in a reverse order to re-respond to the transaction node selecting module, delete the selected transaction node until the total transaction amount is greater than the corresponding expected reserved fund amount, and copy Q 'of an associated account transaction queue'jThe rest of the transaction node set is marked as a pre-clearing node set Lj。
Preferably, the second calculation unit 5 comprises:
a clearing fund summarizing module for extracting each account transaction queue QjWith a set of pre-clearing nodes LjThe transaction nodes with the same transaction flow code obtain each account model PA by summarizing the transaction amount of the extracted transaction nodesjActual clearing totals corresponding to the current clearing period;
an accounting period time recording module for deleting the node completion account transaction queue Q of which the clearing is completedjWhile recording the updated account transaction queue QjTransaction accounting time t of middle queue head nodec。
Compared with the prior art, the beneficial effects of the payment service settlement processing system provided by the embodiment of the invention are the same as those of the payment service settlement processing method provided by the first embodiment, and are not described herein again.
It will be understood by those skilled in the art that all or part of the steps in the method for implementing the invention may be implemented by hardware instructions related to a program, the program may be stored in a computer-readable storage medium, and when executed, the program includes the steps of the method of the embodiment, and the storage medium may be: ROM/RAM, magnetic disks, optical disks, memory cards, and the like.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and the changes or substitutions should be covered within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the appended claims.

Claims (9)

1. A payment transaction settlement processing method, comprising:
account ID based on each merchantjEstablishing a correlated account model PAjAccount transaction queue QjAnd account transaction statement RjThe account model PAjIncluding account IDjPrevious account period time, previous account period balance, current account period time and current account period balance information, and the account transaction queue QjThe system comprises a plurality of transaction nodes generated by a plurality of transaction behaviors, wherein each transaction node comprises a transaction flow code, transaction accounting time and transaction amount information, and an account transaction detail table RjThe method comprises the steps of including a transaction flow code, transaction accounting time and transaction amount information;
determining the account IDjIf the transaction type is deposit transaction, the generated transaction nodes are directly and sequentially added into the account transaction queue QjIf the transaction type is the cash-out transaction, the transaction queue Q is selected from the account transaction queue Q according to the cash-out transaction amountjSelecting transaction nodes in sequence, updating transaction amount information in the transaction nodes and/or deleting the selected transaction nodes;
obtaining the current time t1Total account model PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'jAnd based on the transaction detail table R of each accountjThe transaction record in (1) estimates the current time t1Corresponding each account model PAjThe expected reserve fund limit;
according to t1Time of day respective account transaction queue copy Q'jAnd the expected reserved fund amount corresponding thereto, from each account transaction queue copy Q'jSelecting the transaction nodes in the middle and reverse order until the total transaction amount is larger than the corresponding expected reserved fund amount, deleting the selected transaction nodes, and simultaneously copying Q 'to each account transaction queue'jThe residual transaction node set is recorded as a pre-clearing node set Lj；
At time t2Acquiring transaction queues Q of each account generated in real timejDraw Account transaction queue QjWith a set of pre-clearing nodes LjThe same transaction node in the system collects the transaction amount of the same transaction node to obtain an account model PA corresponding to the current clearing periodjAnd synchronously updating the account model PAjSaid t is2＞t1；
Summarizing each account model PAjAssociated Account transaction List RjAccessing all transaction records from the previous account period time to the current account period time in the medium transaction accounting time to request settlement in a bank channel; wherein the content of the first and second substances,
transacting Q from the account according to the amount of the money outlet transactionjThe method for sequentially selecting the transaction nodes, updating the transaction amount information in the transaction nodes and/or deleting the selected transaction nodes comprises the following steps:
when the transaction amount information in the 1 st transaction node is larger than the payment transaction amount, updating the transaction amount information in the transaction node into the difference value between the transaction amount information and the payment transaction amount; alternatively, the first and second electrodes may be,
when the transaction amount information in the 1 st transaction node is equal to the payment transaction amount, directly deleting the transaction node; alternatively, the first and second electrodes may be,
when the transaction amount information in the 1 st transaction node is smaller than the fund withdrawal transaction amount, sequentially selecting the first n transaction nodes to count the transaction total amount of the transaction nodes, deleting the first n-1 transaction nodes until the transaction total amount is larger than the fund withdrawal transaction amount, updating the transaction amount information of the nth transaction node into the difference value between the transaction total amount and the fund withdrawal transaction amount, or deleting the first n transaction nodes until the transaction total amount is equal to the fund withdrawal transaction amount, wherein n is larger than or equal to 2.
2. Method according to claim 1, characterized in that the current time t is obtained1Total account model PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'jAnd based on the transaction detail table R of each accountjEstimating the current time t1Corresponding each account model PAjThe method of desired reserve funds limit of (1) comprises:
based on the current time t1Request for obtaining all account models PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'j；
Respectively counting transaction lists R of each accountjAt time t in historical N days1Then generating the amount of the deposit transaction and the amount of the deposit transaction, and calculating the transaction detail table R of each account based on the difference between the amount of the deposit transaction and the amount of the deposit transactionjCorresponding mean value EjSum variance Dj；
When mean value EjSum variance DjIf the sum is greater than zero, the current time t1Account model PAjThe corresponding expected reserve fund amount is equal to the mean value EjSum variance DjSumming;
when mean value EjSum variance DjThe sum is less than or equal to zero, then the current time t1Account model PAjThe corresponding expected reserve fund amount is zero.
3. The method of claim 1, wherein the method is based on t1Time of day respective account transaction queue copy Q'jAnd the expected reserved fund amount corresponding thereto, from each account transaction queue copy Q'jSelecting the transaction nodes in the middle and reverse order until the total transaction amount is larger than the corresponding expected reserved fund amount, deleting the selected transaction nodes, and simultaneously copying Q 'to each account transaction queue'jThe residual transaction node set is recorded as a pre-clearing node set LjThe method comprises the following steps:
step S1, according to the reserved fund amount, copying Q 'from the corresponding account transaction queue'jSelecting trading nodes in the middle and reverse order;
step S2, judging whether the total transaction amount in the selected transaction node is larger than the corresponding reserved fund amount, when the total transaction amount is smaller than the corresponding reserved fund amount, adding a transaction node in the reverse order and returning to the step S1 until the total transaction amount is larger than the corresponding expected reserved fund amount, deleting the selected transaction node, and copying the related account transaction queue Q'jThe rest of the transaction node set is marked as a pre-clearing node set Lj；
Step S3, repeating step S1 and step S2, respectively obtaining each account transaction queue copy Q'jCorresponding set of pre-clearing nodes Lj。
4. Method according to claim 1, characterized in that at a time t2Acquiring transaction queues Q of each account generated in real timejDraw Account transaction queue QjWith a set of pre-clearing nodes LjThe same transaction node in the system collects the transaction amount of the same transaction node to obtain an account model PA corresponding to the current clearing periodjThe method of actual clearing of the total includes:
extracting each account transaction queue QjWith a set of pre-clearing nodes LjThe transaction nodes with the same transaction flow code obtain each account model PA by summarizing the transaction amount of the extracted transaction nodesjActual clearing totals corresponding to the current clearing period;
pair account transaction queue Q for deleting liquidated nodesjWhile recording the updated account transaction queue QjTransaction accounting time t of middle queue head nodec。
5. Method according to claim 4, characterized in that the account model PA is updated synchronouslyjThe method comprises the following steps:
account model PAjThe current account period time in (1) is updated to the previous account period time, the transaction accounting time tcUpdating the current accounting period time, updating the previous accounting period balance to the current accounting period balance, and updating the current accounting period balance to the difference value between the current accounting period balance and the actual clearing total.
6. A payment transaction settlement processing system, comprising:
a modeling table unit for identifying account ID based on each merchantjEstablishing a correlated account model PAjAccount transaction queue QjAnd account transaction statement RjThe account model PAjIncluding account IDjPrevious account period time, previous account period balance, current account period time and current account period balance information, and the account transaction queue QjThe system comprises a plurality of transaction nodes generated by a plurality of transaction behaviors, wherein each transaction node comprises a transaction flow code, transaction accounting time and transaction amount information, and an account transaction detail table RjThe method comprises the steps of including a transaction flow code, transaction accounting time and transaction amount information;
a node updating unit for judging the account IDjIf the transaction type is deposit transaction, the generated transaction nodes are directly and sequentially added into the account transaction queue QjIf the transaction type is the cash-out transaction, the transaction queue Q is selected from the account transaction queue Q according to the cash-out transaction amountjSelecting transaction nodes in sequence, updating transaction amount information in the transaction nodes and/or deleting the selected transaction nodes;
a first calculation unit for obtainingCurrent time t1Total account model PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'jAnd based on the transaction detail table R of each accountjThe transaction record in (1) estimates the current time t1Each account model PA corresponding to each otherjThe expected reserve fund limit;
a pre-clearing node screening unit for screening nodes according to t1Transaction queue Q for each accountjCopy Q'jAnd the expected reserved fund amount corresponding thereto, from each account transaction queue copy Q'jSelecting the transaction nodes in the middle and reverse order until the total transaction amount is larger than the corresponding expected reserved fund amount, deleting the selected transaction nodes, and simultaneously copying Q 'to each account transaction queue'jThe residual transaction node set is recorded as a pre-clearing node set Lj；
A second calculation unit for calculating at time t2Acquiring transaction queues Q of each account generated in real timejDraw Account transaction queue QjWith a set of pre-clearing nodes LjThe same transaction node in the system collects the transaction amount of the same transaction node to obtain an account model PA corresponding to the current clearing periodjAnd synchronously updating the account model PAjSaid t is2＞t1；
A clearing processing unit for summarizing each account model PAjAssociated Account transaction List RjAccessing all transaction records from the previous account period time to the current account period time in the medium transaction accounting time to request settlement in a bank channel; wherein the content of the first and second substances,
transacting Q from the account according to the amount of the money outlet transactionjThe method for sequentially selecting the transaction nodes, updating the transaction amount information in the transaction nodes and/or deleting the selected transaction nodes comprises the following steps:
when the transaction amount information in the 1 st transaction node is larger than the payment transaction amount, updating the transaction amount information in the transaction node into the difference value between the transaction amount information and the payment transaction amount; alternatively, the first and second electrodes may be,
when the transaction amount information in the 1 st transaction node is equal to the payment transaction amount, directly deleting the transaction node; alternatively, the first and second electrodes may be,
when the transaction amount information in the 1 st transaction node is smaller than the fund withdrawal transaction amount, sequentially selecting the first n transaction nodes to count the transaction total amount of the transaction nodes, deleting the first n-1 transaction nodes until the transaction total amount is larger than the fund withdrawal transaction amount, updating the transaction amount information of the nth transaction node into the difference value between the transaction total amount and the fund withdrawal transaction amount, or deleting the first n transaction nodes until the transaction total amount is equal to the fund withdrawal transaction amount, wherein n is larger than or equal to 2.
7. The system of claim 6, wherein the first computing unit comprises:
a to-be-cleared account acquisition module based on the current time t1Request for obtaining all account models PA to be clearedjAnd associated account transaction detail sheet RjAnd an account transaction queue QjCopy Q'j；
A first calculation module for respectively counting the transaction detail table R of each accountjAt time t in historical N days1Then generating the amount of the deposit transaction and the amount of the deposit transaction, and calculating the transaction detail table R of each account based on the difference between the amount of the deposit transaction and the amount of the deposit transactionjCorresponding mean value EjSum variance Dj；
A first judgment module for judging the mean value EjSum variance DjIf the sum is greater than zero, the current time t1Account model PAjThe corresponding expected reserve fund amount is equal to the mean value EjSum variance DjSumming; or, when the mean value EjSum variance DjThe sum is less than or equal to zero, then the current time t1Account model PAjThe corresponding expected reserve fund amount is zero.
8. The system of claim 6, wherein the pre-clearing node screening unit comprises:
transaction node selection module forFrom the corresponding account transaction queue copy Q 'according to reserved fund amount'jSelecting trading nodes in the middle and reverse order;
a second judging module, configured to judge whether a total transaction amount in the selected transaction node is greater than a corresponding reserved fund amount, and when the total transaction amount is less than the corresponding reserved fund amount, add a transaction node in a reverse order to re-respond to the transaction node selecting module, delete the selected transaction node until the total transaction amount is greater than the corresponding expected reserved fund amount, and copy Q 'of an associated account transaction queue'jThe rest of the transaction node set is marked as a pre-clearing node set Lj。
9. The system of claim 6, wherein the second computing unit comprises:
a clearing fund summarizing module for extracting each account transaction queue QjWith a set of pre-clearing nodes LjThe transaction nodes with the same transaction flow code obtain each account model PA by summarizing the transaction amount of the extracted transaction nodesjActual clearing totals corresponding to the current clearing period;
an accounting period time recording module for deleting the node completion account transaction queue Q of which the clearing is completedjWhile recording the updated account transaction queue QjTransaction accounting time t of middle queue head nodec。
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