TWI655598B - Method of liquidation with balance queue - Google Patents

Abstract

The invention is a settlement method with a balance queue. When the first transaction order is sent to the clearing server, if the clearing server determines that the account amount of the first account of the first transaction order is insufficient, the first transaction order is stored. To the insufficient balance queue, wait for the account amount of the first account to change, take out the first transaction order from the insufficient balance queue, and complete the first transaction order, thereby improving the flexibility during settlement and reducing liquidity risk.

Description

Method of liquidation with balance queue

The present invention relates to a settlement method, and particularly to a method for deducting an amount from an account in accordance with a transaction order. If the amount of the account is insufficient, the transaction order is placed in the insufficient balance queue, and is executed when the amount of the account is sufficient. The settlement method of the transaction order with the balance queue.

In response to the development of global financial markets, the volume of international trade exchanges has increased, and the volume of financial transactions has also increased. Therefore, the information transfer between financial institutions and clearing systems has become closer.

The so-called clearing system refers to a system in which a country or region clears the creditor's rights and debt relationships between traders or financial institutions generated by economic activities. It is used to provide currency transfer services, that is, a portion of the amount in the A account. Transfer to account B.

Under the current method, when a transaction order enters the clearing system, the clearing system checks whether the amount of the first account corresponding to the transaction order is sufficient according to the transaction amount of one of the transaction orders. When the amount of the transaction account is sufficient, the clearing system is based on The transaction amount of the transaction order is transferred from the first account to the second account to complete the transaction.

However, under the current method, if the amount of the first account is insufficient, the clearing system directly rejects the transaction order, and sends a rejection message to the electronic device of the sender of the transaction order, allowing the sender to resend the transaction account if the amount is sufficient Trading order.

Because the current method will directly reject the transaction order, it will make the transaction exporter need to prepare the full amount of the remittance, and the transaction importer cannot receive the full amount of the remittance immediately, resulting in the trader having to replenish the full amount of the remittance. Then resend the transaction order, which will increase the operating time of the salesperson and the calculation cost of the transaction system.

The main object of the present invention is to provide a settlement method with a balance deficiency queue. When the settlement server determines that the account amount of the first account of the first transaction order is insufficient, the first transaction order is stored in the balance deficit queue. In order to improve the flexibility during clearing, reduce the opportunity to resend the transaction order, so as to reduce the working time of the salesman and reduce the operating cost of the trading system.

In order to achieve the above-mentioned all-purposes and effects, an embodiment of the present invention discloses a clearing method with a queue of insufficient balance. The steps include: sending at least one first transaction command to the clearing servo device, and the clearing servo device judges Whether the first account amount of the first account is less than the first transaction amount of the at least one first transaction order. When the first account amount of the first account is less than the first transaction amount, the clearing server device stores the at least one first transaction order to In the insufficient balance queue, a second transaction order is sent to the clearing servo device. The clearing servo device deposits the second transaction amount of the second transaction order into the first account, and the clearing servo device takes at least one first from the insufficient balance queue. One of the transaction orders, and the first account amount of the first account is deducted based on the transaction amount of the first transaction order.

In one embodiment of the present invention, in the step of the clearing servo device taking one of the at least one first transaction order from the insufficient balance queue, the clearing servo device takes out the first transaction amount in the at least one first transaction order which is less than The first account amount.

In an embodiment of the present invention, in the step of the clearing servo device taking one of the at least one first transaction order from the insufficient balance queue, the clearing servo device takes out the first transaction amount in the first transaction order which is greater than the first In the case of an account amount, a transaction order whose transaction amount is less than the first account amount is sequentially taken from the insufficient balance queue.

In an embodiment of the present invention, after the step of the clearing servo device determines whether the first account amount of the first account is less than the first transaction amount of at least one first transaction order, when the first account amount is not less than the first transaction For the amount, the clearing server deducts the first account amount of the first account according to the first transaction amount of the at least one first transaction order.

In an embodiment of the present invention, before the step of determining whether the first account amount of the first account is less than the first transaction amount of the at least one first transaction order, the method further includes: the clearing server device is based on at least one The transaction date of the first transaction order and the servo device date of the clearing servo device determine whether the transaction date corresponds to the date of the servo device. If not, the clearing servo device stores at least one first transaction order to a non-day transaction queue.

In one embodiment of the present invention, at least one first electronic device issues at least one first transaction command.

In one embodiment of the present invention, the second electronic device issues a second command.

In order to make the reviewing committee members have a better understanding and understanding of the features of the present invention and the effects achieved, we would like to provide a better embodiment and a detailed description with the following description:

In the previous technology, due to the current method, the exporter must prepare the full amount of the remittance, and the importer of the transaction cannot receive the full amount of the remittance immediately, resulting in the trader having to prepare the full amount of the remittance. Resending the transaction order will increase the operating time of the salesperson and the computational cost of the transaction system. Therefore, a clearing method with insufficient balance is proposed.

The following describes the flow of the settlement method with a balance deficiency queue according to the first embodiment of the present invention. Please refer to the first figure, which is a flowchart of the settlement method with a balance deficit queue according to the first embodiment of the present invention. . As shown in the figure, the steps of the liquidation method with an insufficient balance queue in this embodiment include:

Step S1: sending a first transaction command;

Step S3: determine whether the amount of the first account is less than the amount of the first transaction;

Step S5: execute the first transaction command;

Step S7: Store until the balance is insufficient;

Step S9: Send a second transaction command;

Step S11: execute a second transaction command; and

Step S13: execute the first transaction command.

Next, the system required to achieve the liquidation method with a balance deficiency queue according to the invention will be described. Please refer to the second figure, which is a schematic diagram of the system with a liquidation method with a balance deficit queue according to the first embodiment of the present invention. As shown in the figure, the system of the present invention with a settlement method of insufficient balance includes: a first electronic device 1, a clearing servo device 3, and a second electronic device 5. The first electronic device 1 and the second electronic device 5 may be electronic devices such as a smart phone, a personal digital assistant (PDA), a tablet computer, a notebook computer, a desktop computer, and a workstation.

Next, the liquidation servo device 3 will be described. The liquidation servo device 3 includes a storage unit 31, and the storage unit 31 includes an insufficient balance queue 311. The above storage unit 31 may be a storage unit 31, may be a hard disk, a soft disk, a solid state hard disk Disks, Flash Memory, Read-Only Memory, tapes, optical discs, network-accessible databases, cloud storage, or other storage devices that can store data.

The following describes the flow of the liquidation method with a balance insufficient queue according to the first embodiment of the present invention, please refer to the first diagram and the second diagram. When the settlement is to be performed by a settlement servo device with a balance insufficient queue, steps S1 to S13 will be performed.

In step S1, a first transaction command is sent, and the first electronic device 1 sends a first transaction command to the clearing server 3 through the communication unit 101. The first electronic device 1 may be one or more, and each sends a first transaction command to the clearing server device 3. In other words, in step S1, at least one first electronic device sends at least one first transaction command to the clearing server device 3.

In step S3, it is determined whether the amount of the first account is less than the first transaction amount, and the clearing server device 3 determines a first transaction account corresponding to one of the first transaction orders in the clearing server device 3 according to the first transaction amount of one of the first transaction orders. Whether the first account amount of the first account is less than the first transaction amount. If yes, go to step S7; if no, go to step S5.

In step S5, a first transaction order is executed. When the first account amount of the first account is not less than the first transaction amount, the clearing server device 3 executes the first transaction order, and the clearing server device 3 deducts the first transaction amount based on the first transaction amount. The first account amount of the account, and the deducted amount is transferred to the second account of the second account corresponding to the second transaction account of one of the first transaction orders. In other words, in step S5, when the first transaction command is executed, the clearing server 3 remits the amount of the first transaction amount corresponding to the first transaction order from the first account corresponding to the first transaction account to the first transaction amount corresponding to the second transaction account. Second account.

In step S7, the balance is stored in the insufficient balance queue. When the first account amount of the first account is less than the first transaction amount, the clearing server device 3 stores the first transaction command in the balance insufficient queue 311.

In step S9, a second transaction command is sent, and a second electronic device 5 sends a second transaction command to the clearing server 3 through the communication unit 501.

In step S11, a second transaction command is executed, the clearing server device 3 executes the second transaction command, and the clearing server device 3 deposits the second transaction amount of the second transaction order into the first account according to the second transaction order.

In one embodiment of the present invention, the second transaction order is to directly deposit a second transaction amount into the first account.

In an embodiment of the present invention, the second transaction command is to transfer an amount corresponding to the second transaction amount from a second account of the clearing server 3 to the first account.

In step S13, the first transaction command is executed. The clearing server 3 takes one of the first transaction orders from the insufficient balance queue 311 and executes the first transaction order. The clearing server 3 deducts the first account based on the first transaction amount. The first account amount and remit the deducted amount to the second account corresponding to the second transaction account of the first transaction order. In other words, in step S13, when the first transaction order is executed, the clearing server 3 remits the amount of the first transaction amount corresponding to the first transaction order from the first account corresponding to the first transaction account to the corresponding amount of the second transaction account. In the second account.

Here, the clearing method with the balance insufficient queue according to the first embodiment of the present invention is completed. With this embodiment, the clearing servo device 3 will not allow the first transaction order to stay in the transaction when the first account balance is insufficient. Queued and delays the execution of other transaction orders, and does not issue a rejection order to require the trader to resend the first transaction order, which can improve the convenience of clearing, and reduce the operating time of the salesperson and the operating cost of the clearing system. .

The following is an example to illustrate the situation of the liquidation method with an insufficient balance queue in actual use in the first embodiment of the present invention, please match the first and second figures. A first trader sends a first transaction command to the clearing servo device (equivalent to the clearing servo device 3) through the first computer (equivalent to the first electronic device 1) (step S1). The clearing server device determines whether the first account amount of the first account corresponding to the first transaction account of the first transaction order is smaller than the first transaction amount according to the first transaction amount of the first transaction order. When determining, the clearing server device determines the first The first account amount of the account is less than the first transaction amount, so step S7 is performed (step S3).

Continuing from the above, the clearing servo device stores the first transaction order in the balance insufficient queue (equivalent to the balance insufficient queue 311) (step S7). A second trader sends a second transaction command (equivalent to the second electronic command) to the clearing server through the second computer (equivalent to the second electronic device 5) (step S9). The clearing server device deposits the second transaction amount of the second transaction order into the first account according to the second transaction order (step S11). The clearing server device takes the first transaction order from the insufficient balance queue, deducts the first account amount of the first account according to the first transaction amount, and remits the deducted amount to the corresponding second transaction account of the first transaction order. The second account is in the second account (step S13).

Next, the flow of the settlement method with a balance deficiency queue according to the second embodiment of the present invention will be described. Please refer to the third and fourth figures, which are the settlement method with a balance deficit queue according to the first embodiment of the present invention. Flow chart and system diagram. As shown in the third figure, the difference between the flow of the second embodiment and the flow of the first embodiment is that the second embodiment further includes steps S2 and S201. As shown in the third figure, the difference between the system of the second embodiment and the system of the first embodiment is that the storage unit 31 further includes a non-day transaction queue 313.

In step S2, it is determined whether the transaction is a current day. The clearing servo device 3 determines whether the transaction date corresponds to the date of the servo device according to a transaction date of at least one first transaction order and a date of the servo device of the clearing server device. If so, step S3 is performed; If not, step S201 is performed. In other words, in this step, the clearing server 3 determines whether the transaction date of the first transaction order is today, and if so, executes step S3; if not, executes step S201.

In step S201, the non-day transaction queue is stored, and the first transaction order is stored in the non-day transaction queue 313.

In one embodiment of the present invention, when the next trading day, the clearing server 3 takes out each of the first transaction commands from the non-day trading queue 313 and executes steps S2 to S13 respectively.

At this point, the second embodiment of the present invention has completed a settlement method with insufficient balance queue. With this embodiment, the transaction can also send a transaction command to the clearing servo device 3 in advance, and the clearing servo device 3 will Executing the transaction order after the transaction date of the order arrives can increase the flexibility of the clearing servo device 3 in use.

In one embodiment of the present invention, in step S13, the clearing server 3 takes out at least one first transaction order from the insufficient balance queue 311 a person whose first transaction amount is less than the first account amount of the first account. Thereby, the clearing servo device 3 can preferentially process the first transaction order with a smaller amount than the first transaction amount, and will not affect others because the balance is insufficient. The first transaction order with a smaller first transaction amount that can be paid in full makes the clearing servo device 3 more flexible in processing transactions.

In an embodiment of the present invention, in step S13, the clearing server 3 sequentially removes at least one first transaction order from the insufficient balance queue 311 in which the transaction amount is less than the first account amount of the first account.

Continuing the above, further, as shown in the fifth figure, when step S13 is performed, the clearing server 3 first executes step S131, and the clearing server 3 sequentially obtains the first transaction order in the insufficient balance queue 311, in other words, When step S131 is executed for the first time, the first first transaction command in the insufficient balance queue 311 is obtained, and when step S131 is executed for the second time, the second first transaction command in the insufficient balance queue 311 is obtained.

Following the above, step S133 is performed, and the clearing server device 3 determines whether the first account amount of the first account is less than the first transaction amount of the obtained first transaction order. If so, step S131 is performed; if not, step S135 is performed. .

Following the above, step S135 is then executed. The clearing server 3 deducts the first account amount of the first account according to the first transaction amount, and remits the deducted amount to the second account corresponding to the second transaction account of the first transaction order. . Thereby, the clearing servo device 3 can sequentially process the first transaction order whose first transaction amount is smaller than the first account amount in the insufficient balance queue 311, and does not have the first transaction amount which is greater than the first transaction amount in the queue 311 due to insufficient balance. A first transaction order with an account amount that is waiting to be processed and affecting other fully-payable first transaction amounts can make the clearing server device 3 more flexible in processing transactions.

However, the above are only preferred embodiments of the present invention, and are not intended to limit the scope of implementation of the present invention. For example, all changes and modifications of the shapes, structures, features, and spirits in accordance with the scope of the patent application for the present invention are made. Shall be included in the scope of patent application of the present invention.

The invention is truly a novel, progressive, and industrially available user, which should meet the patent application requirements stipulated by the Chinese Patent Law. No doubt, the invention patent application was submitted in accordance with the law. prayer.

1‧‧‧ the first electronic device

101‧‧‧ communication unit

3‧‧‧Clearing Servo Device

31‧‧‧Storage Unit

311‧‧‧ insufficient balance queue

313‧‧‧Non-day transaction queue

5‧‧‧Second electronic device

501‧‧‧communication unit

First diagram: it is a flowchart of a method of settlement with a balance queue according to the first embodiment of the present invention; second diagram: it is a method of settlement with a balance queue according to the first embodiment of the present invention Schematic diagram of the system; Figure 3: It is a flowchart of the method of settlement with a balance queue according to the second embodiment of the present invention; Figure 4: It is a queue with a balance queue according to the second embodiment of the present invention The system schematic diagram of the method of liquidation; and FIG. 5 is a flowchart of step S13 of the method of liquidation with balance queue according to an embodiment of the present invention.

Claims (6)

A method of clearing with a balance queue, the steps include: sending at least a first transaction command to a clearing server; the clearing server determines whether a first account amount of a first account is less than the at least one first transaction Order one of the first transaction amount; when the first account amount of the first account is less than the first transaction amount, the clearing server device stores the at least one first transaction order in a balance insufficient queue; sends a A second transaction order to the clearing server device, the clearing server device depositing a second transaction amount of one of the second transaction order into the first account; and the clearing server device taking the at least one from the balance insufficient queue One of the first transaction orders and deducting the first account amount of the first account according to the transaction amount of the first transaction order; wherein the clearing server determines whether the first account amount of the first account is less than Before the step of the first transaction amount of the at least one first transaction order, the method further includes: the clearing servo device according to the at least one first transaction Order one of the transaction date and one of the clearing servo device's servo device date to determine whether the transaction date corresponds to the servo device date; and if not, the clearing server device stores the at least one first transaction order to a non-day transaction. Column. The method for clearing with a balance queue as described in item 1 of the scope of patent application, wherein in the step of the clearing servo device taking one of the at least one first transaction order from the balance insufficient queue, the clearing server The device takes out the first transaction amount in the at least one first transaction order that is less than the first account amount of the first account. The method for clearing with a balance queue as described in item 1 of the scope of patent application, wherein in the step of the clearing servo device taking one of the at least one first transaction order from the balance insufficient queue, the clearing server The device sequentially extracts from the queue of insufficient balance the first transaction amount in the at least one first transaction order that is less than the first account amount of the first account. The method of clearing with a balance queue as described in item 1 of the scope of patent application, wherein the clearing servo device determines whether the first account amount of the first account is less than the first transaction of the at least one first transaction order After the amount step, when the first account amount is not less than the first transaction amount, the clearing server device deducts the first account amount of the first account according to the first transaction amount of the at least one first transaction order. As described in item 1 of the scope of patent application, a settlement method with a balance queue, wherein at least one first electronic device issues the at least one first transaction order. As in the method of liquidation with a balance queue described in item 1 of the scope of the patent application, a second electronic device issues the second order.