WO2009039768A1 - Méthode de traitement comptable de données de transaction reçues le même jour et système associé - Google Patents

Méthode de traitement comptable de données de transaction reçues le même jour et système associé Download PDF

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Publication number
WO2009039768A1
WO2009039768A1 PCT/CN2008/072398 CN2008072398W WO2009039768A1 WO 2009039768 A1 WO2009039768 A1 WO 2009039768A1 CN 2008072398 W CN2008072398 W CN 2008072398W WO 2009039768 A1 WO2009039768 A1 WO 2009039768A1
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WO
WIPO (PCT)
Prior art keywords
transaction data
transaction
account
accounting
receiving
Prior art date
Application number
PCT/CN2008/072398
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English (en)
Chinese (zh)
Inventor
Jie Li
Original Assignee
China Unionpay Co., Ltd.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by China Unionpay Co., Ltd. filed Critical China Unionpay Co., Ltd.
Publication of WO2009039768A1 publication Critical patent/WO2009039768A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to the field of data processing, and in particular, to a transaction data processing method and system that arrives on the same day.
  • the current deposit business process adopts the method of "online account verification + online deposit”: that is, in the deposit transaction, the rejection
  • the face service personnel or self-service terminal
  • the face service personnel will verify the customer's account before receiving the payment, avoiding the fact that the deposit is rejected (or the terminal) and the background account does not exist, causing the problem that the account cannot be accounted for; if the account exists, the rejection is
  • the face (or terminal) accepts the customer deposit and processes the deposit business online.
  • the online process refers to multiple processing systems working online to process a request, thereby ensuring real-time data processing.
  • the deposit service processing method of the "online account verification + online deposit” has the following problems: Since the subsequent deposit service processing is performed in an online environment, it is impossible to avoid communication failures and online messages that are more likely to occur during the online transaction process. In the case of a malformed format, etc., the rejection (or terminal) has received the deposit, and the back office has not been credited. In this case, it needs to be solved by manual processing, so that the arrival time of the customer deposit may be extended by several days or longer.
  • the technical problem to be solved by the present invention is to provide a transaction data processing method and system that arrives on the current day to solve the problem that the current accounting process has a delay in arrival time.
  • the present invention discloses the following technical solutions:
  • a transaction data processing method comprising:
  • the method further includes: recording the transaction data that failed the inspection and feeding back to the transaction originator.
  • the method further includes: analyzing the reason why the transaction data fails the inspection, taking corresponding measures, and resending.
  • the legality check includes checking the data format and checking the transaction data processing program.
  • the accounting transaction is an inter-bank transaction or a peer transaction.
  • a transaction data processing system comprising:
  • the front desk receiving system is configured to send an account verification request to the intermediate processing system, and after the verification is passed, the account transaction is initiated;
  • the intermediate processing system is responsible for transmitting information between the front desk receiving system and the back-office accounting system, and receiving and receiving the verified transaction data, and performing legality check on each transaction data;
  • the back-office accounting system is used for verifying the account for requesting the accounting process, and receiving the transaction data through the legal inspection in batches, and performing the accounting process.
  • the intermediate processing system records the transaction data and the reason that have not passed the inspection in the file, and feeds back to the front desk receiving system.
  • the front desk receiving system analyzes the transaction data according to the document and fails to pass the check, and takes corresponding measures and resends.
  • the front desk receiving system and the back-office accounting system are inter-bank systems or peer systems.
  • the intermediate processing system is a peer system with the front-end receiving system and the back-office accounting system, or a third-party system supporting cross-bank transactions.
  • the present invention discloses the following technical effects:
  • the embodiment of the present invention adopts the "online account verification + bulk deposit," business processing flow, and the refusal service personnel (or self-service terminal) adds an account verification link before the payment is received, and the account verification succeeds after receiving the payment; then on the same day
  • the batch file mode initiates a deposit transaction to the background system, and the intermediate processing system checks the legality of the batch transaction data and then forwards it to the background system, which can avoid the delay of the account due to communication failure or format error in the online environment.
  • the file can be retransmitted; when a file format error occurs, it can be modified and retransmitted, so that the money received on the same day can be deposited into the designated bank card account on the same day.
  • the process of sending deposits in batch mode is relatively simple, avoiding various abnormal situations that may occur during the online process, and simplifying the processing logic of the business-related system.
  • FIG. 1 is a system architecture diagram of a bulk deposit service according to an embodiment of the present invention
  • FIG. 2 is a flowchart of processing a bulk deposit service according to an embodiment of the present invention.
  • the present invention provides a service processing procedure of "online account verification + bulk deposit" for the credit processing in the banking process, that is, the service personnel of the refused service (or self-service terminal) before the payment is received.
  • the account verification process is added, and the account verification is successful before the payment can be received; then, on the same day, the deposit transaction is initiated to the back-end system in batch file mode, and the intermediate processing system checks the legality of the batch transaction data and then forwards it to the background system, thereby avoiding the online environment. Delays in accounting due to communication failures or formatting errors.
  • the present invention is applicable to accounting transactions such as deposits or remittances, and the following is still taking the deposit business as an example.
  • FIG. 1 it is a system architecture diagram of a bulk deposit service according to an embodiment of the present invention.
  • the batch deposit business process mainly involves a rejection (or self-service terminal) 101, and three processing systems: a front-end reception system 102, an intermediate processing system 103, and a back-office accounting system 104.
  • the foreground receiving system 102 is a system for accepting transactions and collecting transaction data, and its main function is to send a transaction request to the intermediate processing system 103 according to the operation instruction of the rejection (or self-service terminal) 101, wherein each transaction is performed by The front desk receiving system 102 initiates.
  • the intermediate processing system 103 is a system connected between the foreground receiving system 102 and the back-office accounting system 104, and is mainly responsible for information transmission and legality check between the front-end receiving system 102 and the back-office accounting system 104.
  • the back-office accounting system 104 is responsible for accounting management, which is a system for maintaining account information and authorizing the success of the transaction.
  • Step 201 The rejecting operator (or the self-service terminal) initiates an account verification instruction to the “front desk receiving system” according to the deposit account information provided by the customer;
  • Step 202 After receiving the instruction of the rejection (or self-service terminal), the "foreground reception system" is in the middle The processing system "initiates an account verification transaction;
  • Step 203 The "intermediate processing system” sends the account verification transaction data to the corresponding "back-office accounting system” according to the account information.
  • the "back-office accounting system” may be multiple, so the “intermediate processing system” needs Distinguish according to account information;
  • Step 204 "Back-office accounting system” verifies the validity of the account, that is, verifies whether the account exists and is valid, and then returns a response to the "intermediate processing system", and the response clearly identifies the validity of the account, so as to facilitate the rejection operation. Subsequent processing of personnel (or self-service terminals);
  • Step 205 the "intermediate processing system” forwards the response to the "front desk receiving system”;
  • Step 206 the "front desk receiving system” forwards the response to the rejection plane (or self-service terminal);
  • Step 207 The rejecting operator (or self-service terminal) determines whether to collect the payment according to the information in the response, and if the response information indicates that the account exists and is valid, the payment is received; if the response or response information is not received, the account does not exist or the account status is displayed. If it is invalid, it should not be collected;
  • the above steps 201-207 are the online account verification process, and the above process is executed immediately when there is a transaction request for the rejection or self-service terminal.
  • the following steps 208-210 complete the bulk deposit process, which is a batch processing process, which is different from the online deposit process in the prior art.
  • Step 208 If the "front desk acceptance system" has received the payment, initiate a deposit request file to the "intermediate processing system", which includes all the deposit transaction data for the successful verification of the current day account, and the file is used for the account of the "background accounting system".
  • Step 209 The "intermediate processing system" checks the legality of each transaction data in the file, including the check of the data format and the check of the transaction logic.
  • the checking of the data format refers to checking whether the transaction data conforms to a prescribed format, and whether there is a syntax error;
  • the checking of the transaction logic is mainly to check whether there is transaction data directly initiated without performing an account verification step, that is, whether the existence exists. Transaction data that does not meet the handler;
  • the "intermediate processing system” records the transaction data that has not passed the legality check, and feeds back a rejection file to the "foreground reception system", which includes the transaction data that failed the inspection and the reason for each rejection. , in order to facilitate the "front desk acceptance system” to make corrections;
  • Step 210 The "intermediate processing system” continues to batchly send the checked transaction data to the corresponding "back-office accounting system", and the "back-office accounting system” corresponds to each transaction, and the account balance is modified.
  • the "foreground reception system” analyzes the transaction according to the rejection file returned by the "intermediate processing system” If the data fails the check, if the format is wrong, the transaction data is corrected, and then sent to the "intermediate processing system”; if it is a transaction logic error, the account transaction data is first verified by the account, to the intermediate processing The system "sends a verification request.
  • the front desk acceptance system accepts 1000 deposits in a certain day, of which 990 accounts are successfully verified, and the remaining 10 fail.
  • the deposit request file sent by the front desk acceptance system on the same day should contain 990 deposit transaction data. . If the intermediate processing system checks that there are grammatical errors or logic errors in the 10 transaction data of the 990 deposit transaction data, the 10 transaction data is included in the rejection file fed back to the foreground reception system, and is sent to the background accounting system.
  • the deposit clearing file contains 980 transaction data.
  • the front desk reception system checks and corrects the rejected 10 transaction data according to the rejection reason of the feedback from the intermediate processing system, and then retransmits.
  • the above-mentioned entire business process consists of a real-time online account verification transaction and a batch of file transactions, that is, the correctness of the deposited account is verified in real time, and then the deposit is completed in batches.
  • the difference between the online process and the batch process is:
  • the foreground receiving system, the intermediate processing system, and the back-office accounting system are online for real-time processing, such as the process described in steps 202-205;
  • the processing is to process a plurality of transaction data in batches in an offline environment.
  • the front desk receiving system collects multiple transaction data within a preset time period (such as the current day), and then sends the data to the intermediate processing system in batches.
  • the intermediate processing system also batches the plurality of transaction data checked by the legality to the back-office accounting system.
  • the foreground receiving system 102 and the back-office accounting system 104 shown in the figure may be a system of the same financial institution (such as a bank), or may be a system between different organizations, so the transactions mentioned in the above embodiments may be Trading for peers or inter-bank transactions.
  • the intermediate processing system 103 and the foreground receiving system 102 and the back-office accounting system 104 may belong to one financial institution, or may be a third-party system that supports inter-bank transactions.
  • the intermediate processing system 103 can correspond to a plurality of back-office accounting systems 104, such as the case of a plurality of banks in a batch of transaction data.
  • the intermediate processing system 103 performs other functions in addition to the legality check, the most important being routing and clearing. "Routing" is to send transaction data to where it should go. For example, in the system described in this patent, if the file contains deposit transaction data for N back-end processing systems (such as N banks), then intermediate processing The system 103 will classify these transaction data into different processing systems according to different background processing systems. “liquidation” is the completion of fund clearing and transfer between the front desk acceptance system and the background processing system.
  • the front desk receiving system 102 cannot directly initiate a deposit transaction without initiating account verification, and after receiving a successful account verification response, can initiate a subsequent deposit transaction; if no account verification response is received , or if you receive a failed account verification response, you cannot initiate a subsequent deposit transaction. Moreover, the front desk receiving system 102 initiates a deposit transaction, whether or not a transaction processing response is received, and whether the received response is successful, the deposit needs to be left for subsequent processing, such as encountering a data format error, a transaction logic error. Resend when there is a communication failure or the like.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention porte sur une méthode de traitement de données comptables reçues le jour même et sur le système associé. La méthode et le système permettent de résoudre le problème des retards de réception affectant l'entrée d'un article dans un processus comptable. Dans ladite méthode, on utilise le processus commercial ' vérification de compte en ligne + versement par lots' qui comporte les étapes suivantes : exécution par un service de comptoir (ou un terminal libre service) d'une procédure de vérification de compte additionnelle avant de recevoir l'argent, et réception de l'argent uniquement si la vérification est positive. Les transactions de dépôt sont envoyées le jour même à des systèmes d'arrière plan sous forme de fichiers de lots et la validité des données de la transaction de lots est vérifiée par un système intermédiaire avant la transmission des données au système d'arrière plan. En conséquence, le retard du temps de réception causé par l'échec de la communication dans l'environnement en ligne ou par des erreurs de format de fichier, peut être évité. Quand un échec de communication se produit, le fichier peut être re-transmis et quand le format de fichier est erroné, le fichier peut être re-transmis après modification, cela garantit que l'argent reçu peut être déposé le jour même sur le compte de la carte bancaire. De plus, le processus de transmission de dépôts par lots est relativement simple et il évite les différentes irrégularités possibles du processus en ligne.
PCT/CN2008/072398 2007-09-20 2008-09-18 Méthode de traitement comptable de données de transaction reçues le même jour et système associé WO2009039768A1 (fr)

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CN200710046312.6 2007-09-20
CNA2007100463126A CN101393668A (zh) 2007-09-20 2007-09-20 一种当日到账的交易数据处理方法及系统

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CN108009814A (zh) * 2017-12-26 2018-05-08 福建省农村信用社联合社 一种协同分工银行双账户体系应用的方法
CN111768293A (zh) * 2020-06-29 2020-10-13 北京同邦卓益科技有限公司 交易信息的处理方法、装置、设备及存储介质
CN114140247A (zh) * 2021-12-08 2022-03-04 兴业银行股份有限公司 基于规则引擎的分布式应用系统交易状态一致化方法和系统

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CN103077019B (zh) * 2012-12-27 2016-07-06 中国建设银行股份有限公司 一种图形化参数批量维护方法和装置
CN103345685A (zh) * 2013-06-24 2013-10-09 拉卡拉支付有限公司 一种移动支付的方法及系统
CN104463583A (zh) * 2013-09-25 2015-03-25 北京新媒传信科技有限公司 交易监控的方法和装置
CN109711958A (zh) * 2018-08-17 2019-05-03 深圳壹账通智能科技有限公司 对公入账方法、装置、终端设备及计算机可读存储介质
CN109949144A (zh) * 2019-03-22 2019-06-28 深圳前海微众银行股份有限公司 入账处理方法、装置、设备及计算机可读存储介质
CN113989030A (zh) * 2021-11-05 2022-01-28 中国工商银行股份有限公司 跨行汇款方法、装置、电子设备、存储介质及程序产品
CN115116188A (zh) * 2022-06-30 2022-09-27 中国银行股份有限公司 一种银行atm存款长款问题的解决方法、装置及设备

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CN111768293A (zh) * 2020-06-29 2020-10-13 北京同邦卓益科技有限公司 交易信息的处理方法、装置、设备及存储介质
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CN114140247A (zh) * 2021-12-08 2022-03-04 兴业银行股份有限公司 基于规则引擎的分布式应用系统交易状态一致化方法和系统

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