TWI655598B - Method of liquidation with balance queue - Google Patents
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Abstract
本發明係一種具有餘額佇列之清算之方法,當第一交易命令發送至清算伺服裝置時,若清算伺服裝置判斷第一交易命令之第一帳戶之帳戶金額不足,則將第一交易命令儲存至餘額不足佇列,等候第一帳戶之帳戶金額變動時從餘額不足佇列取出第一交易命令,並完成第一交易命令,藉此提升清算時之彈性,降低流動性資金風險。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
本發明係有關於一種清算方法,特別係有關於當要依據交易命令從帳戶中扣除金額時,若帳戶之金額不足則將交易命令放入餘額不足佇列中,當帳戶之金額足夠時才執行交易命令之具有餘額佇列之清算方法。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.
因應全球金融市場的發展,國際間貿易的往來量增加,使得金融交易量也隨之增加,因此,各家金融機構與清算系統之間的資訊傳遞更為緊密。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.
所謂的清算系統是指國家或地區對經濟活動所產生的交易者之間或金融機構之間的債權債務關係進行清償的一種系統,用以提供貨幣的轉移服務,亦即將A帳戶中之部分金額轉移到B帳戶中。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.
在現行方法下,當有交易命令進入清算系統時,清算系統會依據交易命令之一交易金額檢查交易命令所對應之一第一帳戶之金額是否足夠,當交易帳戶之金額足夠時,清算系統依據交易命令之交易金額從第一帳戶中撥轉相應於交易金額之金額至一第二帳戶中,即可完成交易作業。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.
然而,在現行方法下若是第一帳戶之金額不足時,清算系統直接拒絕此交易命令,並發出拒絕資訊至此交易命令之發送者之電子裝置上,讓發送者在交易帳戶金額足夠再自行重新發送交易命令。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.
由於現行的方法會直接拒絕交易命令,會使得交易匯出者需備足匯出金額全額,及交易匯入者無法即時收到匯入金額全額,而造成交易者需於備足匯出金額全額後重新發送交易命令,如此一來會增加業務員的作業時間以及交易系統的運算成本。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.
本發明之主要目的,係提供一種之具有餘額不足佇列之清算方法,當清算伺服裝置判斷第一交易命令之第一帳戶之帳戶金額不足時,則將第一交易命令儲存至餘額不足佇列,藉此提升清算時之彈性,降低重新發送交易命令的機會,以減少業務員的作業時間並降低交易系統的的運算成本。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.
為達上述之指稱之各目的與功效,本發明之一實施例係揭示一種之具有餘額不足佇列之清算方法,其步驟包含:發送至少一第一交易命令至清算伺服裝置,清算伺服裝置判斷第一帳戶之第一帳戶金額是否小於至少一第一交易命令之第一交易金額,當第一帳戶之第一帳戶金額小於第一交易金額時,清算伺服裝置將至少一第一交易命令儲存至餘額不足佇列中,發送第二交易命令至清算伺服裝置,清算伺服裝置將第二交易命令之第二交易金額存入第一帳戶中,清算伺服裝置從餘額不足佇列中取出至少一第一交易命令其中之一,並依據第一交易命令之交易金額扣除第一帳戶之第一帳戶金額。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.
於本發明之一實施例中,其中於清算伺服裝置從餘額不足佇列中取出至少一第一交易命令其中之一之步驟中,清算伺服裝置取出至少一第一交易命令中第一交易金額小於第一帳戶金額者。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.
於本發明之一實施例中,其中於清算伺服裝置從餘額不足佇列中取出至少一第一交易命令其中之一之步驟中,清算伺服裝置取出一第一交易命令中第一交易金額大於第一帳戶金額時,依序從餘額不足佇列中取出一交易命令之交易金額小於第一帳戶金額者。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.
於本發明之一實施例中,其中於清算伺服裝置判斷第一帳戶之第一帳戶金額是否小於至少一第一交易命令之第一交易金額之步驟後,當第一帳戶金額不小於第一交易金額時,清算伺服裝置依據至少一第一交易命令之第一交易金額扣除第一帳戶之第一帳戶金額。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.
於本發明之一實施例中,其中於清算伺服裝置判斷第一帳戶之第一帳戶金額是否小於至少一第一交易命令之第一交易金額之步驟前,方法更包含:清算伺服裝置依據至少一第一交易命令之交易日期及清算伺服裝置之伺服裝置日期判斷交易日期是否對應伺服裝置日期,若否,則清算伺服裝置將至少一第一交易命令儲存至非本日交易佇列。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.
於本發明之一實施例中,其中至少一第一電子裝置發出至少一第一交易命令。In one embodiment of the present invention, at least one first electronic device issues at least one first transaction command.
於本發明之一實施例中,其中第二電子裝置發出第二命令。In one embodiment of the present invention, the second electronic device issues a second command.
為使 貴審查委員對本發明之特徵及所達成之功效有更進一步之瞭解與認識,謹佐以較佳之實施例及配合詳細之說明,說明如後: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:
先前之技術中,由於現行的方法會使得匯出交易者需備足匯出金額全額,及交易匯入者無法即時收到匯入金額全額,而造成交易者需於備足匯出金額全額後重新發送交易命令,會增加業務員的作業時間以及交易系統的運算成本,因此提出一種具有餘額不足佇列之清算方法。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.
在此說明本發明之第一實施例之具有餘額不足佇列之清算方法之流程,請參閱第一圖,其係為本發明之第一實施例之具有餘額不足佇列之清算方法之流程圖。如圖所示,本實施例之具有餘額不足佇列之清算方法其步驟包含: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:
步驟S1:發送第一交易命令;Step S1: sending a first transaction command;
步驟S3:判斷第一帳戶之金額是否小於第一交易金額;Step S3: determine whether the amount of the first account is less than the amount of the first transaction;
步驟S5:執行第一交易命令;Step S5: execute the first transaction command;
步驟S7:儲存至餘額不足佇列;Step S7: Store until the balance is insufficient;
步驟S9:發送第二交易命令;Step S9: Send a second transaction command;
步驟S11:執行第二交易命令;以及Step S11: execute a second transaction command; and
步驟S13:執行第一交易命令。Step S13: execute the first transaction command.
接著說明為達成本發明之具有餘額不足佇列之清算方法所需之系統,請參閱第二圖,其係為本發明之第一實施例之具有餘額不足佇列之清算方法之系統示意圖。如圖所示,本發明之具有餘額不足佇列之清算方法之系統包含:一第一電子裝置1、一清算伺服裝置3、一第二電子裝置5。上述之第一電子裝置1、第二電子裝置5可為智慧型手機、個人數位助理(PDA)、平板電腦、筆記型電腦、桌上型電腦、工作站等電子裝置。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.
接著說明清算伺服裝置3,清算伺服裝置3包含一儲存單元31,儲存單元31包含一餘額不足佇列311,上述之儲存單元31可為儲存單元31可為硬式磁碟、軟式磁碟、固態硬碟、快閃式記憶體(Flash Memory)、唯讀記憶體(Read-Only Memory)、磁帶、光碟、可由網路存取之資料庫、雲端儲存空間或其他可儲存資料之儲存設備。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.
以下將說明本發明之第一實施例之具有餘額不足佇列之清算方法執行時之流程,請參閱第一圖、及第二圖。當要以具有餘額不足佇列之清算伺服裝置進行清算時,將執行步驟S1至步驟S13。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.
於步驟S1,發送第一交易命令,第一電子裝置1透過通訊單元101發送一第一交易命令至清算伺服裝置3。第一電子裝置1可為一個或複數個,並各自發送一第一交易命令至清算伺服裝置3。換言之,於步驟S1中至少一第一電子裝置發送至少一第一交易命令至清算伺服裝置3。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.
於步驟S3,判斷第一帳戶之金額是否小於第一交易金額,清算伺服裝置3依據第一交易命令之一第一交易金額判斷該清算伺服裝置3中對應第一交易命令之一第一交易帳戶之第一帳戶之第一帳戶金額是否小於第一交易金額。若是,執行步驟S7;若否,執行步驟S5。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.
於步驟S5,執行第一交易命令,當第一帳戶之第一帳戶金額不小於第一交易金額時,清算伺服裝置3即執行第一交易命令,清算伺服裝置3依據第一交易金額扣除第一帳戶之第一帳戶金額,並將所扣除之金額匯入第一交易命令之一第二交易帳戶對應之第二帳戶之第二帳戶中。換言之,於步驟S5,執行第一交易命令時,清算伺服裝置3從對應第一交易帳戶之第一帳戶中匯出對應第一交易命令之第一交易金額之金額至對應第二交易帳戶之第二帳戶中。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.
於步驟S7,儲存至餘額不足佇列,當第一帳戶之第一帳戶金額小於第一交易金額時,清算伺服裝置3將第一交易命令儲存至餘額不足佇列311中。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.
於步驟S9,發送第二交易命令,一第二電子裝置5透過通訊單元501發送一第二交易命令至清算伺服裝置3。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.
於步驟S11,執行第二交易命令,清算伺服裝置3執行第二交易命令,清算伺服裝置3依據第二交易命令將第二交易命令之第二交易金額存入第一帳戶中。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.
於本發明之一實施例,第二交易命令為直接存入一第二交易金額至第一帳戶中。In one embodiment of the present invention, the second transaction order is to directly deposit a second transaction amount into the first account.
於本發明之一實施例,第二交易命令為從清算伺服裝置3之一第二帳戶中匯出對應第二交易金額之金額至第一帳戶中。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.
於步驟S13,執行第一交易命令,清算伺服裝置3從餘額不足佇列311中取出第一交易命令其中之一,並執行第一交易命令,清算伺服裝置3依據第一交易金額扣除第一帳戶之第一帳戶金額,並將所扣除之金額匯入第一交易命令之第二交易帳戶對應之第二帳戶中。換言之,於步驟S13,於執行第一交易命令時,清算伺服裝置3從對應第一交易帳戶之第一帳戶中匯出對應第一交易命令之第一交易金額之金額至對應第二交易帳戶之第二帳戶中。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.
於此,即完成本發明之第一實施例之具有餘額不足佇列之清算方法,藉由本實施例,可使得清算伺服裝置3在第一帳戶餘額不足時不會讓第一交易命令停留在交易佇列中而耽誤到其他交易命令的執行,亦不會發出拒絕命令要交易者重新發送第一交易命令,可以提升清算時之便利性,亦可降低業務員的作業時間及清算系統的運算成本。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. .
以下舉例說明本發明之第一實施例之具有餘額不足佇列之清算方法於實際使用時之狀況,請搭配第一圖及第二圖。一第一交易者透過第一電腦(相當於第一電子裝置1)發送一第一交易命令至清算伺服裝置(相當於清算伺服裝置3)(步驟S1)。清算伺服裝置依據第一交易命令之第一交易金額判斷對應第一交易命令之第一交易帳戶之第一帳戶之第一帳戶金額是否小於第一交易金額,於判斷時,清算伺服裝置判斷第一帳戶之第一帳戶金額小於第一交易金額,因此執行步驟S7(步驟S3)。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).
接續上述,清算伺服裝置將第一交易命令儲存至餘額不足佇列(相當於餘額不足佇列311)中(步驟S7)。一第二交易者透過第二電腦(相當於第二電子裝置5),發送一第二交易命令(相當於第二交易命令)至清算伺服裝置(步驟S9)。清算伺服裝置依據第二交易命令將第二交易命令之第二交易金額存入第一帳戶中(步驟S11)。清算伺服裝置從餘額不足佇列中取出第一交易命令,並依據第一交易金額扣除第一帳戶之第一帳戶金額,並將所扣除之金額匯入第一交易命令之第二交易帳戶對應之第二帳戶之第二帳戶中(步驟S13)。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).
接著說明本發明之第二實施例之具有餘額不足佇列之清算方法之流程,請參閱第三圖及第四圖,其係為本發明之第一實施例之具有餘額不足佇列之清算方法之流程圖及系統示意圖。如第三圖所示,第二實施例之流程與第一實施例之流程之差異在於:第二實施例中更包含步驟S2及步驟S201。如第三圖所示,第二實施例之系統與第一實施例之系統差異在於:於儲存單元31中更包含一非本日交易佇列313。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.
於步驟S2,判斷是否為本日交易,清算伺服裝置3依據至少一第一交易命令之一交易日期及清算伺服裝置之一伺服裝置日期判斷交易日期是否對應伺服裝置日期,若是,則執行步驟S3;若否,則執行步驟S201。換言之於本步驟中,清算伺服裝置3判斷第一交易命令之交易日期是否為今日,若是,則執行步驟S3;若否,則執行步驟S201。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.
於步驟S201,儲存至非本日交易佇列,將第一交易命令儲存至非本日交易佇列中313。In step S201, the non-day transaction queue is stored, and the first transaction order is stored in the non-day transaction queue 313.
於本發明之一實施例中,當下一個交易日時,清算伺服裝置3從非本日交易佇列中313取出每一第一交易命令分別執行步驟S2至步驟S13。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.
於此,即完成本發明之第二實施例之具有餘額不足佇列之清算方法,藉由本實施例,交亦可以預先將交易命令發送至清算伺服裝置3,而清算伺服裝置3則會在交易命令之交易日期到達後才執行交易命令,可以增加清算伺服裝置3在使用時的彈性。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.
於本發明之一實施例中,於步驟S13,清算伺服裝置3從餘額不足佇列311中取出至少一第一交易命令中第一交易金額小於第一帳戶之第一帳戶金額者。藉此,可以使清算伺服裝置3優先處理較第一交易金額小之第一交易命令,不會因為餘額不足佇列311中有第一交易金額較大之第一交易命令正在等待處理而影響其他可足額支付之第一交易金額較小之第一交易命令,可使得清算伺服裝置3於處理交易時更具有彈性。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.
於本發明之一實施例中,於步驟S13,清算伺服裝置3依序從餘額不足佇列311中取出至少一第一交易命令中交易金額小於第一帳戶之第一帳戶金額者。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.
接續上述,進一步而言,如第五圖所示,於執行步驟S13時,清算伺服裝置3先執行步驟S131,清算伺服裝置3依序取得餘額不足佇列311中之第一交易命令,換言之,當第一次執行步驟S131時取得餘額不足佇列311中第一筆第一交易命令,第二次執行步驟S131時取得餘額不足佇列311中第二筆第一交易命令。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.
接續上述,接著執行步驟S133,清算伺服裝置3判斷第一帳戶之第一帳戶金額是否小於所取得之第一交易命令之第一交易金額,若是,則執行步驟S131;若否,則執行步驟S135。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. .
接續上述,接著執行步驟S135,清算伺服裝置3依據第一交易金額扣除第一帳戶之第一帳戶金額,並將所扣除之金額匯入第一交易命令之第二交易帳戶對應之第二帳戶中。藉此,可以使清算伺服裝置3依序處理餘額不足佇列311中第一交易金額小於第一帳戶金額之第一交易命令,不會因為餘額不足佇列311中有第一交易金額大於之第一帳戶金額正在等待處理而影響其他可足額支付之第一交易金額較小之第一交易命令,可使得清算伺服裝置3於處理交易時更具有彈性。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.
惟以上所述者,僅為本發明之較佳實施例而已,並非用來限定本發明實施之範圍,舉凡依本發明申請專利範圍所述之形狀、構造、特徵及精神所為之均等變化與修飾,均應包括於本發明之申請專利範圍內。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.
本發明係實為一具有新穎性、進步性及可供產業利用者,應符合我國專利法所規定之專利申請要件無疑,爰依法提出發明專利申請,祈 鈞局早日賜准專利,至感為禱。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‧‧‧第一電子裝置1‧‧‧ the first electronic device
101‧‧‧通訊單元101‧‧‧ communication unit
3‧‧‧清算伺服裝置3‧‧‧Clearing Servo Device
31‧‧‧儲存單元31‧‧‧Storage Unit
311‧‧‧餘額不足佇列311‧‧‧ insufficient balance queue
313‧‧‧非本日交易佇列313‧‧‧Non-day transaction queue
5‧‧‧第二電子裝置5‧‧‧Second electronic device
501‧‧‧通訊單元501‧‧‧communication unit
第一圖:其係為本發明之第一實施例之具有餘額佇列之清算之方法之流程圖; 第二圖:其係為本發明之第一實施例之具有餘額佇列之清算之方法之系統示意圖; 第三圖:其係為本發明之第二實施例之具有餘額佇列之清算之方法之流程圖; 第四圖:其係為本發明之第二實施例之具有餘額佇列之清算之方法之系統示意圖;以及 第五圖:其係為本發明之一實施例之具有餘額佇列之清算之方法之步驟S13流程圖。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.
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