WO2017012054A1 - 跨行清算方法和系统 - Google Patents

跨行清算方法和系统 Download PDF

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Publication number
WO2017012054A1
WO2017012054A1 PCT/CN2015/084649 CN2015084649W WO2017012054A1 WO 2017012054 A1 WO2017012054 A1 WO 2017012054A1 CN 2015084649 W CN2015084649 W CN 2015084649W WO 2017012054 A1 WO2017012054 A1 WO 2017012054A1
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WO
WIPO (PCT)
Prior art keywords
clearing
server
data
bank server
bank
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PCT/CN2015/084649
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English (en)
French (fr)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
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.)
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Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to PCT/CN2015/084649 priority Critical patent/WO2017012054A1/zh
Priority to CA2993086A priority patent/CA2993086C/en
Publication of WO2017012054A1 publication Critical patent/WO2017012054A1/zh

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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

Definitions

  • the present invention relates to the field of computer technology, and in particular, to a cross-line clearing method and system.
  • a cross-line clearing method comprising:
  • Acquiring data of the plurality of electronic documents to be cleared in the first preset time the data comprising the first data and the second data, the first data corresponding to the first bank server, the second data and the second bank Corresponding to the server;
  • a cross-bank clearing method is applied to a first bank server, the method comprising:
  • a cross-bank clearing method is applied to a second bank server, the method comprising:
  • a cross-line clearing system comprising:
  • a first bank server configured to send the first data of the first electronic credential to the clearing server in real time
  • a second bank server configured to send the second data of the second electronic voucher to the clearing server in real time
  • a clearing server configured to receive the first data and the second data, and generate a pair according to the first data of the plurality of first documents to be liquidated and the second data of the plurality of second electronic documents to be liquidated according to the first preset time a billing file, the reconciliation file includes a clearing total amount, and the reconciliation file is separately sent to the first bank server and the second bank server;
  • the first bank server is further configured to confirm the reconciliation file, and return the first confirmation information to the clearing server;
  • the second bank server is further configured to confirm the reconciliation file and return second confirmation information to the clearing server;
  • the clearing server is further configured to: after receiving the first confirmation information and the second confirmation information, generate a clearing message by using the reconciliation file, and send the clearing message to the first bank server separately And a second bank server;
  • the first bank server is further configured to transfer the total clearing amount to the second bank server according to the clearing message.
  • a cross-row clearing server comprising a processor and a non-volatile storage medium, wherein the non-volatile storage medium stores instructions, and when the instructions are executed by the processor, the processor may be Perform the following steps:
  • Acquiring data of the plurality of electronic documents to be cleared in the first preset time the data comprising the first data and the second data, the first data corresponding to the first bank server, the second data and the second bank Corresponding to the server;
  • a non-volatile computer storage medium containing computer executable instructions for performing a cross-line clearing method comprising the steps of:
  • Acquiring data of the plurality of electronic documents to be cleared in the first preset time the data comprising the first data and the second data, the first data corresponding to the first bank server, the second data and the second bank Corresponding to the server;
  • the above cross-bank clearing method, system, server and medium because the electronic voucher is to be cleared in the first preset time, the first data of the electronic voucher of the first bank server and the second data of the electronic voucher of the second bank server are generated
  • the reconciliation file includes the total amount of liquidation of the electronic voucher that the first bank server needs to transfer to the second bank server.
  • the clearing message is generated according to the reconciliation file, so that the first bank server can follow the clearing total amount after receiving the clearing message.
  • the bank server makes the payment.
  • the batch electronic clearing of the bulk electronic voucher in the first preset time can be performed, which effectively saves the handling fee of the inter-bank payment, and overcomes the problem that a large amount of the single electronic voucher requires a high commission in real-time cross-bank payment.
  • FIG. 1 is a flow chart of a cross-line clearing method in an embodiment
  • FIG. 2 is a flow chart of a cross-line clearing method in another embodiment
  • FIG. 3 is a flow chart of a cross-line clearing method in still another embodiment
  • FIG. 4 is a structural diagram of a cross-line clearing system in an embodiment
  • FIG. 5 is a schematic structural diagram of a cross-line clearing server in an embodiment.
  • a cross-line clearing method is provided. It should be understood that although the various steps in the flowchart of FIG. 1 are sequentially displayed as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Except as explicitly stated herein, the execution of these steps is not strictly limited, and may be performed in other sequences. Moreover, at least some of the steps in FIG. 1 may include a plurality of sub-steps or stages, which are not necessarily performed at the same time, but may be executed at different times, and the order of execution thereof is not necessarily This may be performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of the other steps.
  • the method is applied to the clearing server for example. The method specifically includes:
  • Step 102 Acquire data of multiple to-be-cleared electronic voucher in a first preset time, the data includes first data and second data, where the first data corresponds to the first bank server, and the second data corresponds to the second bank server. .
  • Electronic voucher can be used for payment as well as for payment.
  • the settlement means that the funds frozen in the electronic voucher are thawed and paid after the payment conditions are met.
  • the electronic voucher can have a variety of statuses, including pending receipt, pending performance, pending settlement, pending settlement, pending settlement, pending entry, completed, and the like.
  • the pending liquidation refers to the bank that issued the electronic certificate (referred to as the issuing bank) has executed the settlement and transferred the electronic voucher funds to the Bank's electronic voucher business clearing account.
  • the data of the electronic voucher to be called by the clearing server ie, the first data and the second data
  • the first electronic voucher is a type of electronic voucher that the first bank opens and acts as a payment bank, and the second bank receives and acts as a receiving bank.
  • the second electronic voucher is a type of electronic voucher that the second bank opens and acts as a payment bank, and the first bank receives and acts as a receiving bank.
  • the first bank corresponds to the first bank server and the second bank corresponds to the second bank server.
  • the first data is data that the first bank server operates on the first electronic credential.
  • the second data is data for the second bank server to operate on the second electronic voucher.
  • the first data of the first electronic voucher can be stored simultaneously at the first bank server and the second bank server.
  • the second bank server actively updates the second data corresponding to the second electronic voucher
  • the second data is also synchronously sent to the clearing server and the first bank server in real time.
  • the second data of the second electronic voucher can be stored simultaneously at the first bank server and the second bank server.
  • Step 104 Generate a reconciliation file by using the first data and the second data, where the reconciliation file includes a total amount of liquidation and a number of the electronic voucher to be cleared.
  • the first bank server transmits the first data of the plurality of first electronic voucher to the clearing server in real time.
  • the second bank server transmits the second data of the plurality of second electronic voucher to the clearing server in real time.
  • the clearing server retrieves the first data and the second data in the first preset time for summary and differential processing, and generates a reconciliation file between the first bank server and the second bank server according to the processed result, including clearing The total amount, the number of the electronic voucher to be cleared, and so on.
  • the first preset time may be a processing cycle of the bank reconciliation clearing process.
  • the bank performs reconciliation settlement on the T day (ie, the trading day).
  • the day cut point is the time node of the previous T day and the next T day. If the daily cut-off point is 16:00 daily, then the electronic voucher that will be paid after 16:00 will be processed in the next processing cycle. After 16:00 on June 30, the electronic voucher to be liquidated from 16:00 on June 29 to 16:00 on June 30 will be centrally cleared.
  • the rolling difference refers to the calculation of the difference between the receipt and payment of each bank corresponding to the electronic voucher based on the electronic voucher transaction information received within the T-day after the end of the daily business, and the amount of funds that each bank needs to liquidate.
  • the electronic voucher adopts the clearing method of the net amount difference. That is to say, in the electronic voucher clearing, the liquidation of each bank's money is only calculated after the net amount of the receivables and payables. That is to say, each bank may have thousands of electronic vouchers to pay and collect funds, but it does not need to pay for each electronic voucher immediately, only need to calculate the first preset time
  • the total difference corresponding to the liquidation of the electronic voucher shall be paid by the payment line to the income line at one time.
  • the total amount that the first bank server needs to transfer to the second bank server is 8 million yuan
  • the total amount that the second bank server needs to transfer to the first bank server is 5 million yuan.
  • a bank server transfers the total amount of liquidation to RMB 3 million to the second bank server. The net amount difference is used to clear the data, which effectively reduces the transmission data and improves the speed of cross-line clearing.
  • the net amount of liquidation is performed between multiple bank servers.
  • the total amount that the first bank server needs to transfer to the second bank server is 10 million yuan
  • the total amount that the third bank server needs to transfer to the first bank server is 5 million yuan
  • the second bank server needs to be transferred to the first bank.
  • the total amount of the server is 8 million RMB. It is cleared by the multilateral net margin. Only the first bank server transfers RMB 5 million to the second bank server, and the second bank server transfers RMB 3 million to the third bank server.
  • Step 106 Send the reconciliation file to the first bank server and the second bank server, so that the first bank server and the second bank server respectively confirm the reconciliation file and return the confirmation information.
  • the clearing server sends the reconciliation file to the first bank server and the second bank server.
  • the first bank server and the second bank server respectively confirm the reconciliation file
  • the first bank server confirms the receipt and returns the first confirmation information
  • the second bank server confirms the passage and returns the second confirmation information.
  • Step 108 After receiving the confirmation information, generate a clearing message by using the reconciliation file.
  • the first bank server may return the first confirmation message to the clearing server in the form of a confirmation receipt.
  • the second bank server may return a second confirmation message to the clearing server in the form of a confirmation receipt.
  • the reconciliation message is generated by using the reconciliation file according to a preset message exchange standard.
  • the liquidation message includes the total amount of liquidation, the number of the electronic certificate to be liquidated, and so on.
  • Step 110 Send the clearing message to the first bank server, so that the first bank server transfers the total clearing amount to the second bank server according to the clearing message.
  • the clearing server sends the clearing message to the first bank server and the second bank server respectively.
  • the first bank server transfers the total clearing amount in the reconciliation file to the second bank server according to the clearing message. This completes the cross-line clearing of bulk electronic voucher.
  • the first bank server is opposite to the second bank server, and the first bank server may transfer the total amount of liquidation to the second bank server, or the second bank server may transfer the total amount of liquidation to the first bank server.
  • the reconciliation file also includes the number of the electronic voucher to be cleared.
  • the second bank server After the first bank server transfers the total clearing amount to the second bank server according to the clearing message, the second bank server first allocates the received clearing amount to the second business clearing account on the second bank server. Then, according to the reconciliation file, the amount corresponding to each first electronic voucher is separately transferred to the collection account of each first electronic voucher. Since the cross-bank clearing is implemented by the net difference between the first bank server and the second bank server, the total amount of liquidation transferred from the first bank server to the second bank server is likely to be less than the total amount allocated by the second bank. The amount is the total amount corresponding to the plurality of first electronic voucher on the second bank server.
  • the difference between the total amount of liquidation and the total amount to be allocated by the second bank will be supplemented by the amount in the second business clearing account, and the amount corresponding to each first electronic certificate will be transferred to the corresponding collection by using the reconciliation document. In the account. This further improves the accuracy of cross-bank clearing.
  • the reconciliation file is generated by using the first data of the electronic voucher of the first bank server and the second data of the electronic voucher of the second bank server, and reconciling The file includes the total amount of clearing of the electronic voucher that the first bank server needs to transfer to the second bank server.
  • the clearing message is generated according to the reconciliation file, so that the first bank server can follow the reconciliation file after receiving the clearing message. The total amount of liquidation is paid to the second bank server.
  • the batch electronic clearing of the bulk electronic voucher in the first preset time can be performed, which effectively saves the handling fee of the inter-bank payment, and overcomes the problem that a large amount of the single electronic voucher requires a high commission in real-time cross-bank payment.
  • the method before the step of acquiring data of the plurality of electronic voucher to be cleared in the first preset time, the method further includes: receiving data of the plurality of electronic voucher sent by the first bank server and the second bank server in real time; The data is parsed to obtain the parsed data.
  • the parsed data includes the status of the electronic voucher.
  • the status of the electronic voucher includes the pending clearing; the electronic voucher whose status is the pending clearing is selected, and the electronic voucher to be cleared is obtained.
  • the first bank server sends the first data of the plurality of first electronic vouchers to the clearing server in real time
  • the second bank server sends the second data of the plurality of second electronic vouchers to the clearing server in real time.
  • the first data and the second data have been encrypted separately.
  • an RSA (an encryption algorithm) algorithm can be used for encryption.
  • the clearing server After receiving the first data and the second data, the clearing server performs corresponding decryption using the RSA algorithm, thereby parsing the first data and the second data.
  • the parsed data includes the status of the electronic voucher, including the status of the to-be-received card, the status to be fulfilled, the status to be applied for dissolving, the status to be solved, or the status to be cleared.
  • Set the to-be-cleared as a keyword, and filter according to the keyword to obtain all the electronic voucher whose status is to be cleared. This prepares the clearing server for cross-line clearing.
  • the reconciliation file and the clearing message generated by the clearing server are also encrypted.
  • the first banking service and the second banking server need to decrypt the reconciliation file after receiving the reconciliation file to confirm.
  • the first bank server and the second bank server need to decrypt the clearing message to perform cross-line clearing according to the total clearing amount in the reconciliation file.
  • the data and files exchanged between the clearing server and the first bank server and the second bank server are encrypted by the first data, the second data, the reconciliation file, and the clearing message, thereby improving the security of cross-line clearing.
  • the method further includes: if the e-voucher to be liquidated in the first preset time pre-stored on the first bank server If the data is inconsistent with the reconciliation file, receiving the first error information sent by the first bank server; and/or the data of the electronic voucher to be cleared by the first bank server in the first preset time pre-stored on the second bank server Receiving the second error information sent by the second bank server; adjusting the first error information and/or the second error information, and performing the sending of the reconciliation file to the first bank server and the second The bank server, in order to cause the first bank server and the second bank server to respectively confirm the reconciliation file and return the confirmation information.
  • the first bank server when the first bank server actively updates the first data corresponding to the first electronic certificate, the first data is also synchronously sent to the clearing server and the second bank server in real time.
  • the first data of the first electronic voucher can be stored simultaneously at the first bank server and the second bank server.
  • the second bank server actively updates the second data corresponding to the second electronic voucher
  • the second data is also synchronously sent to the clearing server and the first bank server in real time.
  • the second data of the second electronic voucher can be stored simultaneously at the first bank server and the second bank server.
  • the first bank server After receiving the reconciliation file, the first bank server compares the reconciliation file with the first data and the second data pre-stored in the first preset time on the first bank server, that is, the reconciliation file and The data (first data and second data) of the electronic clearing documents to be cleared in all the first preset time are compared, and if the comparison is consistent, the first bank server confirms the reconciliation file and sends the clearing server to the clearing server. Send the first confirmation message. If the comparison is inconsistent, the first bank server sends the first error message to the clearing server.
  • the second bank server After receiving the reconciliation file, the second bank server compares the reconciliation file with the first data and the second data stored in the first preset time on the second bank server, if the comparison is consistent, then The second bank server confirms the reconciliation file and sends a second confirmation message to the clearing server. If the comparison is inconsistent, the second bank server sends a second error message to the clearing server.
  • the clearing server After receiving the first error information and/or the second error information, the clearing server will retrieve the business details for comparison, and use the error accounting processing method to adjust to ensure the clearing server, the first bank server and the second bank server. After the reconciliation data is consistent, the clearing server generates the reconciliation file again to ensure that the cross-line clearing data is accurate.
  • the method further includes: determining the second pre- Whether the notification sent by the first bank server that the total amount of the clearing has been transferred is received within the set time; if not, the reminder for transferring the total amount of the clearing is sent to the first bank server.
  • the first bank server after the first bank server transfers the total clearing amount to the second bank server according to the clearing message, the first bank server sends a notification to the clearing server to complete the transfer of the total clearing amount. After the clearing server receives the notification within the second preset time, the notification is recorded. If the clearing server does not receive the notification within the second preset time, sending a reminder to the first bank server to transfer the total amount of the clearing to ensure that the electronic account to be cleared on the first bank server and the second bank server completes the interleaving in time. Liquidation.
  • an interbank clearing method is provided.
  • the method is applied to the first bank server as an example.
  • the method specifically includes:
  • Step 202 Send the first data of the first electronic voucher to the clearing server in real time, so that the clearing server receives the second data of the second electronic voucher sent by the second bank server, and then according to the multiple preset time in the first preset time
  • the first data of the first voucher is liquidated and the second data of the plurality of second electronic voucher to be liquidated generates a reconciliation file.
  • Step 204 Receive a reconciliation file sent by the clearing server, where the reconciliation file includes a total amount of liquidation.
  • Step 206 Determine whether the reconciliation file is consistent with the pre-stored second data of the second electronic voucher to be cleared in the first preset time, and the first data of the first electronic voucher to be cleared; if yes, proceed to step 208. Otherwise, the first error message is sent to the clearing server.
  • Step 208 Returning confirmation information to the clearing server, so that the clearing server generates the clearing message by using the reconciliation file after receiving the confirmation information.
  • Step 210 Receive a clearing message sent by the clearing server.
  • Step 212 Transfer the total clearing amount to the second bank server according to the clearing message.
  • the first bank server sends the first data of the first electronic credential to the clearing server in real time.
  • the second bank server also sends the second data of the second electronic voucher to the clearing server in real time.
  • the first data and the second data are both encrypted data.
  • the clearing server decrypts the first data and the second data respectively.
  • the first data and the second data may be encrypted by using an RSA algorithm.
  • the clearing server uses the RSA algorithm to decrypt.
  • the parsed data includes the status of the electronic voucher, including the status of the to-be-received card, the status to be fulfilled, the status to be applied for dissolving, the status to be solved, or the status to be cleared.
  • the clearing server respectively calls the first data corresponding to the first electronic voucher to be liquidated in the first preset time and the second data of the second electronic voucher to be liquidated in the first preset time, respectively, and summarizes the first data and the second data respectively And the difference processing, and the reconciliation file between the first bank server and the second bank server is generated according to the processed result.
  • the electronic voucher adopts the clearing method of the net amount difference. That is to say, in the electronic voucher clearing, the liquidation of each bank's money is only calculated after the net amount of the receivables and payables. That is to say, each bank may have thousands of electronic vouchers to pay and collect funds, but it does not need to pay for each electronic voucher immediately, only need to calculate the first preset time
  • the total difference corresponding to the liquidation of the electronic voucher shall be paid by the payment line to the income line at one time.
  • Cross-bank clearing between two banks can be achieved by liquidation of the net difference between the first bank server and the second bank server, that is, the settlement of the bilateral net amount, and the cross-bank clearing between multiple banks can be carried out through multiple bank servers.
  • the liquidation of the net difference between the two is also realized by the settlement of the multilateral net difference.
  • the net amount difference is used to clear the data, which effectively reduces the transmission data and improves the speed of cross-line clearing.
  • the clearing server sends the reconciliation file to the first bank server and the second bank server.
  • the first bank server and the second banking service respectively confirm the reconciliation file, and after the first banking service confirms the passage, the first confirmation information is returned, and after the second bank server confirms the passage, the second confirmation information is returned.
  • the first bank server compares the reconciliation file with the pre-stored second data of the second electronic voucher to be liquidated in the first preset time, and the first data of the first electronic voucher to be cleared, and determines two Whether the data of the person is consistent. If they are consistent, the first bank server returns a first confirmation message to the clearing server. Otherwise, the first bank server sends the first error message to the clearing server.
  • the second bank server compares the reconciliation file with the first data of the first electronic voucher to be liquidated by the first bank server in the pre-stored first preset time, and determines whether the data of the two are consistent. If they are consistent, the second bank server returns a second confirmation message to the clearing server. Otherwise, the second bank server sends a second error message to the clearing server.
  • the method further includes: if not, sending the first error information to the clearing server, so that the clearing server re-generates the reconciliation file after adjusting the first error information; and performing the step of receiving the clearing message sent by the clearing server again.
  • the clearing server After receiving the first error information and/or the second error information, the clearing server will retrieve the business details for comparison, and use the error accounting processing method to adjust to ensure the clearing server, the first bank server and the second bank server. After the reconciliation data is consistent, the clearing server generates the reconciliation file again, which ensures that the cross-line clearing data is accurate.
  • the clearing server After receiving the first confirmation information and the second confirmation information, the clearing server generates a clearing message by using the reconciliation file. After receiving the clearing message, the first bank server transfers the total clearing amount in the reconciliation file to the second bank server according to the clearing message. This completes the cross-line clearing of bulk electronic voucher.
  • the clearing server since the electronic voucher is to be cleared in the first preset time, the clearing server generates the first data of the first electronic voucher of the first bank server and the second data of the second electronic voucher of the second bank server.
  • the reconciliation file includes the total amount of liquidation of the electronic voucher that the first bank server needs to transfer to the second bank server.
  • the clearing server After receiving the confirmation information by the first bank server and the second bank server according to the reconciliation file, the clearing server generates a clearing message according to the reconciliation file, thereby enabling the first bank server to follow the pair after receiving the clearing message. The total amount of liquidation in the account file is paid to the second bank server.
  • the batch electronic clearing of the bulk electronic voucher in the first preset time can be performed, which effectively saves the handling fee of the inter-bank payment, and overcomes the problem that a large amount of the single electronic voucher requires a high commission in real-time cross-bank payment.
  • the first service clearing account is preset on the first bank server, and after the step of transferring the total clearing amount to the second bank server according to the clearing message, the method further includes: using the first service clearing The special account transfers the amount corresponding to the plurality of second electronic voucher to the corresponding collection account.
  • the reconciliation file further includes the number of the electronic voucher to be cleared. Due to the net amount difference clearing method, only the total amount of liquidation is transferred between the first bank server and the second bank server.
  • the first bank also needs to transfer the payment to the collection account of the electronic voucher (ie the second electronic voucher) received by the Bank according to the reconciliation document.
  • the first business clearing account is pre-set on the first bank server. Since the first bank is paying the difference, the corresponding amount can be directly transferred from the first business clearing account of the bank to the corresponding collection account according to the reconciliation document and the number of the second electronic voucher to be liquidated. If there is no second data of the second electronic voucher within the first preset time, this step is not needed.
  • the second bank server After the first bank server transfers the total clearing amount to the second bank server according to the clearing message, the second bank server first allocates the received clearing amount to the second business clearing account on the second bank server. Then, according to the number of the first electronic voucher to be liquidated in the reconciliation file, the amount corresponding to the first electronic voucher to be liquidated is transferred to the collection account of each first electronic voucher. Since the cross-bank clearing is implemented by the net difference between the first bank server and the second bank server, the total amount of liquidation transferred from the first bank server to the second bank is likely to be smaller than that of the second bank server. The amount is the total amount corresponding to the plurality of first electronic voucher on the second bank server.
  • the difference between the total amount of liquidation and the total amount that should be allocated by the second bank server will be supplemented by the amount in the second business clearing account, and the amount corresponding to each first electronic voucher will be reconciled to the corresponding income by using the reconciliation document. In the account. This further improves the accuracy of cross-bank clearing.
  • an interbank clearing method is provided, which is applied to the second bank server as an example.
  • the method specifically includes:
  • Step 302 Send the second data of the second electronic credential to the clearing server in real time, so that the clearing server receives the first data of the first electronic credential sent by the first banking server, and then according to the multiple preset time in the first preset time
  • the first data of the first voucher is liquidated and the second data of the plurality of second electronic voucher to be liquidated generates a reconciliation file.
  • Step 304 Receive a reconciliation file sent by the clearing server, where the reconciliation file includes a total amount of liquidation.
  • Step 306 Determine whether the reconciliation file is consistent with the first data of the first electronic voucher to be cleared in the first preset time and the second data of the second electronic voucher to be cleared; if yes, proceed to step 308. Otherwise, the second error message is sent.
  • Step 308 returning confirmation information to the clearing server, so that the clearing server generates a clearing message by using the reconciliation file after receiving the confirmation information.
  • Step 310 Receive a clearing message sent by the clearing server.
  • Step 312 Receive a clearing total amount transferred by the first bank server according to the clearing message.
  • Step 314 Transfer the received total amount of liquidation to the second business clearing account, and use the second business clearing account to transfer the amount corresponding to the plurality of first electronic certificates to the corresponding receiving account according to the reconciliation file.
  • the second bank server sends the second data of the second electronic credential to the clearing server in real time.
  • the first bank server also sends the first data of the first electronic voucher to the clearing server in real time.
  • the first data and the second data are both encrypted data.
  • the clearing server decrypts the first data and the second data respectively.
  • the first data and the second data may be encrypted by using an RSA algorithm.
  • the clearing server uses the RSA algorithm to decrypt.
  • the first data and the second data are thus parsed.
  • the parsed data includes the status of the electronic voucher, including the status to be cleared.
  • the clearing server respectively calls the first data corresponding to the first electronic voucher to be liquidated in the first preset time and the second data of the second electronic voucher to be liquidated in the first preset time, respectively, and summarizes the first data and the second data respectively And the difference processing, and the reconciliation file between the first bank server and the second bank server is generated according to the processed result.
  • the electronic voucher adopts the clearing method of the net amount difference. That is to say, in the electronic voucher clearing, the liquidation of each bank's money is only calculated after the net amount of the receivables and payables. That is to say, each bank may have thousands of electronic voucher exchange funds to be paid and collected, but the funds for each electronic voucher need to be paid separately, and only need to calculate the first preset time to be liquidated.
  • the total difference corresponding to the electronic voucher can be paid to the pay-off bank by the pay-off bank once and for all.
  • Cross-bank clearing between two banks can be achieved by liquidation of the net difference between the first bank server and the second bank server, that is, the settlement of the bilateral net amount, and the cross-bank clearing between multiple banks can be carried out through multiple bank servers.
  • the liquidation of the net difference between the two is also realized by the settlement of the multilateral net difference.
  • the net amount difference is used to clear the data, which effectively reduces the transmission data and improves the speed of cross-line clearing.
  • the clearing server sends the reconciliation file to the first bank server and the second bank server.
  • the first bank server and the second banking service respectively confirm the reconciliation file, and after the first banking service confirms the passage, the first confirmation information is returned, and after the second bank server confirms the passage, the second confirmation information is returned.
  • the first bank server compares the reconciliation file with the second data of the second electronic voucher to be liquidated by the second bank server in the pre-stored first preset time, and determines whether the data of the two are consistent. If they are consistent, the first bank server returns a first confirmation message to the clearing server. Otherwise, the first bank server sends the first error message to the clearing server.
  • the second bank server compares the reconciliation file with the first data of the first electronic voucher to be liquidated in the first preset time period, and the second data of the second electronic voucher to be liquidated, and determines the data of the two Is it consistent? If they are consistent, the second bank server returns a second confirmation message to the clearing server. Otherwise, the second bank server sends a second error message to the clearing server.
  • the method includes: if not, sending the second error information to the clearing server, so that the clearing server adjusts the second error information to generate the reconciliation file again; and the step of receiving the clearing message sent by the clearing server is performed again.
  • the clearing server After receiving the first error information and/or the second error information, the clearing server will retrieve the business details for comparison, and use the error accounting processing method to adjust to ensure the clearing server, the first bank server and the second bank server. After the reconciliation data is consistent, the clearing server generates the reconciliation file again, which ensures that the cross-line clearing data is accurate.
  • the clearing server After receiving the first confirmation information and the second confirmation information, the clearing server generates a clearing message by using the reconciliation file. After receiving the clearing message, the first bank server transfers the total clearing amount in the reconciliation file to the second bank server according to the clearing message. This completes the cross-line clearing of bulk electronic voucher.
  • the second bank server first allocates the total amount of liquidation received to the second business clearing account on the second bank server. Then, according to the reconciliation file, the second business clearing account is used to transfer the amount corresponding to the first electronic voucher to the receiving account of each first electronic voucher. Since the cross-bank clearing is implemented by the net difference between the first bank server and the second bank server, the total amount of liquidation transferred from the first bank server to the second bank is likely to be less than the total amount that the second bank should allocate.
  • the total amount corresponding to the plurality of first electronic certificates on the second bank server The difference between the total amount of liquidation and the total amount to be allocated by the second bank will be supplemented by the amount in the second business clearing account, and the amount corresponding to each electronic voucher will be transferred to the corresponding receiving account by using the reconciliation document. . This further improves the accuracy of cross-bank clearing.
  • the clearing server since the electronic voucher is to be cleared in the first preset time, the clearing server generates the first data of the first electronic voucher of the first bank server and the second data of the second electronic voucher of the second bank server.
  • the reconciliation file includes the total amount of liquidation of the electronic voucher that the first bank server needs to transfer to the second bank server.
  • the clearing server After receiving the confirmation information by the first bank server and the second bank server according to the reconciliation file, the clearing server generates a clearing message according to the reconciliation file, thereby enabling the first bank server to follow the pair after receiving the clearing message. The total amount of liquidation in the account file is paid to the second bank server.
  • the batch electronic clearing of the bulk electronic voucher in the first preset time can be performed, which effectively saves the handling fee of the inter-bank payment, and overcomes the problem that a large amount of the single electronic voucher requires a high commission in real-time cross-bank payment.
  • a cross-bank clearing system comprising: a first bank server 402, a second bank server 404, and a clearing server 406, wherein:
  • the first bank server 402 is configured to send the first data of the first electronic voucher to the clearing server 406 in real time.
  • the second bank server 404 is configured to send the second data of the second electronic credential to the clearing server 406 in real time.
  • the clearing server 406 is configured to receive the first data and the second data, and generate reconciliation according to the first data of the plurality of first documents to be liquidated and the second data of the plurality of second electronic documents to be liquidated according to the first preset time
  • the file, the reconciliation file includes the clearing total amount, and the reconciliation file is sent to the first bank server 402 and the second bank server 404, respectively.
  • the first bank server 402 is further configured to confirm the reconciliation file and return the first confirmation information to the clearing server.
  • the second bank server 404 is further configured to confirm the reconciliation file and return a second confirmation message to the clearing server.
  • the clearing server 406 is further configured to: after receiving the first confirmation information and the second confirmation information, generate a clearing message by using the reconciliation file, and send the clearing message to the first bank server and the second bank server respectively.
  • the first bank server 404 is further configured to transfer the total amount of the clearing to the second bank server according to the clearing message.
  • the first bank server sends the first data of the first electronic credential to the clearing server in real time.
  • the second bank server also sends the second data of the second electronic voucher to the clearing server in real time.
  • the first data and the second data are both encrypted data.
  • the clearing server decrypts the first data and the second data respectively.
  • the first data and the second data may be encrypted by using an RSA algorithm.
  • the clearing server uses the RSA algorithm to decrypt.
  • the parsed data includes the status of the electronic voucher, including the status of the to-be-received card, the status to be fulfilled, the status to be applied for dissolving, the status to be solved, or the status to be cleared.
  • the clearing server respectively calls the first data corresponding to the first electronic voucher to be liquidated in the first preset time and the second data of the second electronic voucher to be liquidated in the first preset time, respectively, and summarizes the first data and the second data respectively And the difference processing, and the reconciliation file between the first bank server and the second bank server is generated according to the processed result.
  • the electronic voucher adopts the clearing method of the net amount difference. That is to say, in the electronic voucher clearing, the liquidation of each bank's money is only calculated after the net amount of the receivables and payables. That is to say, each bank may have thousands of electronic voucher exchange funds to be paid and collected, but the funds for each electronic voucher need to be paid separately, and only need to calculate the first preset time to be liquidated.
  • the total difference corresponding to the electronic voucher can be paid to the pay-off bank by the pay-off bank once and for all.
  • Cross-bank clearing between two banks can be achieved by liquidation of the net difference between the first bank server and the second bank server, that is, the settlement of the bilateral net amount, and the cross-bank clearing between multiple banks can be carried out through multiple bank servers.
  • the liquidation of the net difference between the two is also realized by the settlement of the multilateral net difference.
  • the net amount difference is used to clear the data, which effectively reduces the transmission data and improves the speed of cross-line clearing.
  • the first bank server is further configured to: when determining the reconciliation file and the pre-stored second data of the second electronic voucher to be liquidated in the first preset time, the first e-voucher to be cleared A data is consistent; the first confirmation message is returned to the clearing server.
  • the first bank server is further configured to: when determining the reconciliation file and the pre-stored second data of the second electronic voucher to be liquidated in the first preset time, the first e-voucher to be cleared If the data is inconsistent, the first error information is returned to the clearing server.
  • the second bank server is further configured to: when determining the reconciliation file and the pre-stored first data of the first electronic voucher to be liquidated in the first preset time, the second electronic voucher to be cleared The second data is consistent; the second confirmation information is returned to the clearing server.
  • the second bank server is further configured to: when determining the reconciliation file and the pre-stored first data of the first electronic voucher to be liquidated in the first preset time, the second electronic voucher to be cleared If the two data are inconsistent, the second error information is returned to the clearing server.
  • the clearing server is further configured to re-generate the reconciliation file after adjusting the first error information and/or the second error information.
  • the clearing server After receiving the first error information and/or the second error information, the clearing server will retrieve the business details for comparison, and use the error accounting processing method to adjust to ensure the clearing server, the first bank server and the second bank server. After the reconciliation data is consistent, the clearing server generates the reconciliation file again, which ensures that the cross-line clearing data is accurate.
  • the clearing server receives the confirmation information returned by the first bank server and the second bank server according to the reconciliation file
  • the clearing message is generated according to the reconciliation file, so that the first bank server receives the clearing report.
  • the second bank server can be paid according to the total amount of liquidation in the reconciliation file.
  • the first bank server is further configured to use the first service clearing account to transfer the amount corresponding to the plurality of second electronic certificates to the corresponding collection account
  • the second bank server is further configured to receive the received The total amount of liquidation is transferred to the second business clearing account, and the amount corresponding to the plurality of first electronic certificates is respectively transferred to the corresponding receiving account according to the reconciliation document by the second business clearing account.
  • the first business clearing account on the first bank server transfers the corresponding amount to the corresponding collection account according to the reconciliation file and the number of the second electronic voucher to be liquidated.
  • the second bank server first allocates the received total clearing amount to the second business clearing account on the second bank server. Then, according to the number of the first electronic voucher to be liquidated in the reconciliation file, the amount corresponding to the first electronic voucher to be liquidated is transferred to the collection account of each first electronic voucher. Since the cross-bank clearing is implemented by the net difference between the first bank server and the second bank server, the total amount of liquidation transferred from the first bank server to the second bank is likely to be less than the total amount that the second bank should allocate.
  • the total amount corresponding to the plurality of first electronic certificates on the second bank server The difference between the total amount of liquidation and the total amount to be allocated by the second bank will be supplemented by the amount in the second business clearing account, and the amount corresponding to each first electronic certificate will be transferred to the corresponding collection by using the reconciliation document. In the account. This further improves the accuracy of cross-bank clearing.
  • the first bank server is further configured to send a notification of the total amount of the transferred clearing to the clearing server after transferring the total amount of the clearing to the second bank server.
  • the first bank server after the first bank server transfers the total clearing amount to the second bank according to the clearing message, the first bank server sends a notification to the clearing server to complete the transfer of the total clearing amount. After receiving the notification, the clearing server records the notification. If the clearing server does not receive the notification within the second preset time, send a reminder to the first bank server to transfer the total amount of liquidation, thereby ensuring that the electronic certificate to be cleared on the first bank server and the second bank server is completed in time Cross-bank clearing.
  • a cross-row clearing server including a processor and a non-volatile storage medium having instructions stored in the non-volatile storage medium, the instructions being executed by the processor to cause the processor to execute The following steps:
  • Acquiring data of the plurality of electronic documents to be cleared in the first preset time the data comprising the first data and the second data, the first data corresponding to the first bank server, the second data and the second bank Corresponding to the server;
  • FIG. 5 a schematic diagram of a cross-line clearing server is shown in FIG. 5.
  • the server includes a processor connected through a system bus, a non-volatile storage medium, a memory, and a network interface.
  • the non-volatile storage medium of the server stores an operating system, a database, and a cross-row clearing processing device, and the inter-bank clearing processing device is used to implement a cross-line clearing method suitable for a server.
  • the server's processor is used to provide computing and control capabilities that support the operation of the entire server.
  • the memory of the server provides an environment for the operation of the inter-bank clearing information processing device in the non-volatile storage medium.
  • the network interface of the server is configured to communicate with an external terminal via a network connection, such as receiving first data of the first electronic credential sent by the first bank server.
  • the server can be implemented by a separate server or by multiple servers, for example, the server can include a cross-line clearing processing server and a storage server.
  • non-volatile computer storage medium is also provided.
  • a non-volatile computer storage medium containing computer executable instructions for performing a cross-line clearing method comprising the steps of:
  • Acquiring data of the plurality of electronic documents to be cleared in the first preset time the data comprising the first data and the second data, the first data corresponding to the first bank server, the second data and the second bank Corresponding to the server;

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Abstract

一种跨行清算方法，包括：获取第一预设时间内多个待清算电子凭证的数据，数据包括第一数据和第二数据，第一数据与第一银行服务器相对应，第二数据与第二银行服务器相对应(102)；利用第一数据和第二数据生成对账文件，对账文件中包括清算总金额(104)；将对账文件发送至第一银行服务器和第二银行服务器，以使得第一银行服务器和第二银行服务器分别对所述对账文件进行确认并返回确认信息(106)；在接收到确认信息后，利用对账文件生成清算报文(108)；将清算报文发送至第一银行服务器，以使得第一银行服务器根据清算报文将清算总金额转移至第二银行服务器(110)。此外还提供一种跨行清算系统、跨行清算服务器和非易失性计算机存储介质。

Description

跨行清算方法和系统
【技术领域】
本发明涉及计算机技术领域，特别是涉及一种跨行清算方法和系统。
【背景技术】
随着电子商务的发展，在网络支付的便捷与安全方面也出现了很多新兴的网络支付方式，通过电子凭证进行支付是其中一种方式之一。通常付款方开据电子凭证的银行和收款方委托收款的银行并不一定是同一家银行。在不同的银行直接对单个电子凭证进行实时跨行支付时会产生手续费，如果是对大量的电子凭证实时进行跨行支付，则会产生高额的手续费。如何克服大量电子凭证跨行支付产生高额手续费的问题成为目前亟需解决的一个技术问题。
【发明内容】
基于此，有必要针对上述技术问题，提供一种能够批量对电子凭证进行跨行清算有效节省跨行支付手续费的跨行清算方法和系统。
一种跨行清算方法，所述方法包括：
获取第一预设时间内多个待清算电子凭证的数据，所述数据包括第一数据和第二数据，所述第一数据与第一银行服务器相对应，所述第二数据与第二银行服务器相对应；
利用所述第一数据和所述第二数据生成对账文件，所述对账文件中包括清算总金额；
将所述对账文件发送至所述第一银行服务器和所述第二银行服务器，以使得所述第一银行服务器和所述第二银行服务器分别对所述对账文件进行确认并返回确认信息；
在接收到所述确认信息后，利用所述对账文件生成清算报文；
将所述清算报文发送至所述第一银行服务器，以使得所述第一银行服务器根据所述清算报文将所述清算总金额转移至所述第二银行服务器。
一种跨行清算方法，应用在第一银行服务器，所述方法包括：
向清算服务器实时发送第一电子凭证的第一数据，以使得清算服务器在接收到第二银行服务器发送的第二电子凭证的第二数据后，根据第一预设时间内多个待清算第一凭证的第一数据与多个待清算第二电子凭证的第二数据生成对账文件；
接收所述清算服务器发送的对账文件，所述对账文件中包括清算总金额；
判断所述对账文件与预存储的所述第一预设时间内待清算的第二电子凭证的第二数据、待清算的第一电子凭证的第一数据是否一致；
若是，则向所述清算服务器返回确认信息，以使得所述清算服务器在接收到所述确认信息后，利用所述对账文件生成清算报文；
接收所述清算服务器发送的清算报文；
根据所述清算报文将所述清算总金额转移至所述第二银行服务器。
一种跨行清算方法，应用在第二银行服务器，所述方法包括：
向清算服务器实时发送第二电子凭证的第二数据，以使得清算服务器在接收到第一银行服务器发送的第一电子凭证的第一数据后，根据第一预设时间内多个待清算第一凭证的第一数据与多个待清算第二电子凭证的第二数据生成对账文件；
接收所述清算服务器发送的对账文件，所述对账文件中包括清算总金额；
判断所述对账文件与预存储的所述第一预设时间内待清算的第一电子凭证的第一数据、待清算的第二电子凭证的第二数据是否一致；
若是，则向所述清算服务器返回确认信息，以使得所述清算服务器在接收到所述确认信息后，利用所述对账文件生成清算报文；
接收所述清算服务器发送的清算报文；
根据所述清算报文接收所述第一银行服务器转移的所述清算总金额；
将接收到的清算总金额转移至第二业务清算专户，根据所述对账文件利用所述第二业务清算专户分别将多个第一电子凭证对应的金额转移至对应的收款账户中。
一种跨行清算系统，所述系统包括：
第一银行服务器，用于向清算服务器实时发送第一电子凭证的第一数据；
第二银行服务器，用于向清算服务器实时发送第二电子凭证的第二数据；
清算服务器，用于接收所述第一数据和第二数据，并根据第一预设时间内多个待清算第一凭证的第一数据与多个待清算第二电子凭证的第二数据生成对账文件，所述对账文件中包括清算总金额，并将所述对账文件分别发送至所述第一银行服务器和所述第二银行服务器；
所述第一银行服务器还用于对所述对账文件进行确认，并向所述清算服务器返回第一确认信息；
所述第二银行服务器还用于对所述对账文件进行确认，并向所述清算服务器返回第二确认信息；
所述清算服务器还用于在接收到所述第一确认信息和第二确认信息后，利用所述对账文件生成清算报文，并将所述清算报文分别发送至所述第一银行服务器和第二银行服务器；
所述第一银行服务器还用于根据所述清算报文将所述清算总金额转移至所述第二银行服务器。
一种跨行清算服务器，所述服务器包括处理器及非易失性存储介质，所述非易失性存储介质中储存有指令，所述指令被所述处理器执行时，可使得所述处理器执行以下步骤：
获取第一预设时间内多个待清算电子凭证的数据，所述数据包括第一数据和第二数据，所述第一数据与第一银行服务器相对应，所述第二数据与第二银行服务器相对应；
利用所述第一数据和所述第二数据生成对账文件，所述对账文件中包括清算总金额；
将所述对账文件发送至所述第一银行服务器和所述第二银行服务器，以使得所述第一银行服务器和所述第二银行服务器分别对所述对账文件进行确认并返回确认信息；
在接收到所述确认信息后，利用所述对账文件生成清算报文；
将所述清算报文发送至所述第一银行服务器，以使得所述第一银行服务器根据所述清算报文将所述清算总金额转移至所述第二银行服务器。
一种包含计算机可执行指令的非易失性计算机存储介质，所述计算机可执行指令用于执行一种跨行清算方法，所述方法包括以下步骤：
获取第一预设时间内多个待清算电子凭证的数据，所述数据包括第一数据和第二数据，所述第一数据与第一银行服务器相对应，所述第二数据与第二银行服务器相对应；
利用所述第一数据和所述第二数据生成对账文件，所述对账文件中包括清算总金额；
将所述对账文件发送至所述第一银行服务器和所述第二银行服务器，以使得所述第一银行服务器和所述第二银行服务器分别对所述对账文件进行确认并返回确认信息；
在接收到所述确认信息后，利用所述对账文件生成清算报文；
将所述清算报文发送至所述第一银行服务器，以使得所述第一银行服务器根据所述清算报文将所述清算总金额转移至所述第二银行服务器。
上述跨行清算方法、系统、服务器和介质，由于电子凭证是第一预设时间内待清算的，利用第一银行服务器的电子凭证的第一数据与第二银行服务器的电子凭证的第二数据生成对账文件，对账文件中包括了第一银行服务器需要转移至第二银行服务器的电子凭证的清算总金额。第一银行服务器与第二银行服务器分别根据对账文件返回确认信息后，根据对账文件来生成清算报文，由此使得第一银行服务器在接收到清算报文后能够按照清算总金额向第二银行服务器进行支付。由此能够对第一预设时间内的批量电子凭证进行跨行清算，有效节省了跨行支付的手续费，克服了大量单个电子凭证实时跨行支付时需要高额手续费的问题。
【附图说明】
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他实施例的附图。
图1为一个实施例中跨行清算方法的流程图；
图2为另一个实施例中跨行清算方法的流程图；
图3为还一个实施例中跨行清算方法的流程图；
图4为一个实施例中跨行清算系统的结构图；
图5为一个实施例中跨行清算服务器的结构示意图。
【具体实施方式】
在一个实施例中，如图1所示，提供了一种跨行清算方法。应该理解的是，虽然图1的流程图中的各个步骤按照箭头的指示依次显示，但是这些步骤并不是必然按照箭头指示的顺序依次执行。除非本文中有明确的说明，这些步骤的执行并没有严格的顺序限制，其可以以其他的顺序执行。而且，图1中的至少一部分步骤可以包括多个子步骤或者多个阶段，这些子步骤或者阶段并不必然是在同一时刻执行完成，而是可以在不同的时刻执行，其执行顺序也不必然是依次进行，而是可以与其他步骤或者其他步骤的子步骤或者阶段的至少一部分轮流或者交替地执行。以本方法应用于清算服务器举例说明，该方法具体包括：
步骤102，获取第一预设时间内多个待清算电子凭证的数据，数据包括第一数据和第二数据，第一数据与第一银行服务器相对应，第二数据与第二银行服务器相对应。
电子凭证可以用于付款也可以用于收款。解付是指满足解付条件后将电子凭证中冻结的资金进行解冻并进行支付。电子凭证可以有多种状态，包括待收证、待履约、待申请解付、待解付、待清算、待入账、已完成等。其中，待清算是指开具电子凭证的银行（简称开证行）已执行解付并将电子凭证资金转移至本行电子凭证业务清算专户。清算服务器需调用的电子凭证的数据（即第一数据、第二数据）包括电子凭证的状态、金额、编号等。本实施例中需要根据电子凭证的数据筛选出状态为待清算的电子凭证。
第一电子凭证是第一银行开立并作为付款行的、第二银行接收并作为收款行的一类电子凭证。第二电子凭证是第二银行开立并作为付款行的、第一银行接收并作为收款行的一类电子凭证。第一银行与第一银行服务器相对应，第二银行与第二银行服务器相对应。第一数据是第一银行服务器对第一电子凭证进行操作的数据。第二数据是第二银行服务器对第二电子凭证进行操作的数据。第一银行服务器在主动更新第一电子凭证对应的第一数据时，还会将第一数据实时同步发送至清算服务器和第二银行服务器。以使得第一电子凭证的第一数据可以在第一银行服务器和第二银行服务器同时存储。第二银行服务器在主动更新第二电子凭证对应的第二数据时，还会将第二数据实时同步发送至清算服务器和第一银行服务器。以使得第二电子凭证的第二数据可以在第一银行服务器和第二银行服务器同时存储。
步骤104，利用第一数据和第二数据生成对账文件，对账文件中包括清算总金额、待清算电子凭证的编号。
第一银行服务器实时将多个第一电子凭证的第一数据传输至清算服务器。第二银行服务器实时将多个第二电子凭证的第二数据传输至清算服务器。清算服务器调取第一预设时间内的第一数据与第二数据进行汇总和轧差处理，根据处理后的结果生成第一银行服务器与第二银行服务器之间的对账文件，其中包括清算总金额、待清算电子凭证的编号等。
第一预设时间可以是银行对账清算处理的一个处理周期。例如，银行在T日（即交易日）内进行对账清算。日切点是上一个T日与下一个T日的时间节点。如果日切点为每日16:00时，那么16:00以后解付的电子凭证将在下一个处理周期进行处理。在6月30日16：00以后会对6月29日16：00后至6月30日16:00前待清算的电子凭证进行集中清算。
轧差是指每日业务终了后，根据接收到的T日内的电子凭证交易信息，按照电子凭证对应的各个银行进行收付差额计算，得到各个银行需要清算的资金额度。电子凭证采用净额轧差的清算方式。也就是在电子凭证清算中，对各个银行款项的清算只计算其应收款、应付款相抵后的净额。也就是说每个银行可能有成千上万个电子凭证的往来资金需要支付和收款，但并不需要对每一个电子凭证的资金都立即单独支付，只需要计算第一预设时间内待清算电子凭证对应的总差额，由付差行一次性将总差额的资金支付给收差行即可。例如，第一银行服务器需要转移至第二银行服务器的总金额为800万人民币，第二银行服务器需要转移至第一银行服务器的总金额为500万人民币，则通过净额轧差的方式，第一银行服务器转移清算总金额300万人民币至第二银行服务器即可。采用净额轧差清算，有效减少了传输数据，提高了跨行清算的速度。
进一步的，除了双边（第一银行服务器与第二银行服务器）净额轧差清算之外，还可以进行多边净额轧差清算。也就是多个银行服务器之间进行净额轧差清算。例如，第一银行服务器需要转移至第二银行服务器的总金额为1000万人民币，第三银行服务器需要转移至第一银行服务器的总金额为500万人民币，第二银行服务器需要转移至第一银行服务器的总金额为800万人民币，通过多边净额轧差清算，只需第一银行服务器转移500万人民币至第二银行服务器，第二银行服务器转移300万人民币至第三银行服务器即可。
步骤106，将对账文件发送至第一银行服务器和第二银行服务器，以使得第一银行服务器和第二银行服务器分别对该对账文件进行确认并返回确认信息。
清算服务器将对账文件发送至第一银行服务器和第二银行服务器。第一银行服务器和第二银行服务器分别对该对账文件进行确认，第一银行服务器确认通过后返回第一确认信息，第二银行服务器确认通过后会返回第二确认信息。
步骤108，在接收到确认信息后，利用对账文件生成清算报文。
第一银行服务器可以以确认回执的形式向清算服务器返回第一确认信息。第二银行服务器可以以确认回执的形式向清算服务器返回第二确认信息。在清算服务器接收到第一确认信息与第二确认信息之后，即表示第一银行服务器与第二银行服务器之间的对账文件准确无误。根据预设的报文交换标准利用对账文件来生成清算报文。清算报文中包括清算总金额、待清算电子凭证的编号等。
步骤110，将清算报文发送至第一银行服务器，以使得第一银行服务器根据清算报文将清算总金额转移至第二银行服务器。
由于第一银行服务器与第二银行服务器之间采用净额轧差的清算方式，清算服务器会将清算报文分别发送至第一银行服务器和第二银行服务器。第一银行服务器在接收到清算报文后，根据清算报文将对账文件中的清算总金额转移至第二银行服务器。由此完成批量电子凭证的跨行清算。第一银行服务器与第二银行服务器是相对的，可以是第一银行服务器向第二银行服务器转移清算总金额，也可以是第二银行服务器向第一银行服务器转移清算总金额。
进一步的，对账文件中还包括待清算电子凭证的编号。在第一银行服务器根据清算报文将清算总金额转移至第二银行服务器之后，第二银行服务器将接收到的清算总金额首先划入第二银行服务器上第二业务清算专户。再根据对账文件将每个第一电子凭证对应的金额分别转移至每个第一电子凭证的收款账户中。由于第一银行服务器与第二银行服务器之间通过净额轧差的方式来实现跨行清算的，因此第一银行服务器转移至第二银行服务器的清算总金额很可能会小于第二银行应划拨总金额即第二银行服务器上多个第一电子凭证对应的总金额。清算总金额与第二银行应划拨总金额之间的差额将由第二业务清算专户内的金额进行补足，再利用对账文件将每个第一电子凭证对应的金额划入到对应的收款账户中。由此进一步提高了跨行清算的准确性。
本实施例中，由于电子凭证是第一预设时间内待清算的，利用第一银行服务器的电子凭证的第一数据与第二银行服务器的电子凭证的第二数据生成对账文件，对账文件中包括了第一银行服务器需要转移至第二银行服务器的电子凭证的清算总金额。第一银行服务器与第二银行服务器分别根据对账文件返回确认信息后，根据对账文件来生成清算报文，由此使得第一银行服务器在接收到清算报文后能够按照对账文件中的清算总金额向第二银行服务器进行支付。由此能够对第一预设时间内的批量电子凭证进行跨行清算，有效节省了跨行支付的手续费，克服了大量单个电子凭证实时跨行支付时需要高额手续费的问题。
在一个实施例中，在获取第一预设时间内多个待清算电子凭证的数据的步骤之前，还包括：接收第一银行服务器和第二银行服务器实时发送的多个电子凭证的数据；对数据进行解析得到解析后的数据，解析后的数据中包括电子凭证的状态，电子凭证的状态包括待清算；筛选出状态为待清算的电子凭证，得到待清算电子凭证。
本实施例中，第一银行服务器向清算服务器实时发送多个第一电子凭证的第一数据，第二银行服务器向清算服务器实时发送多个第二电子凭证的第二数据。其中第一数据和第二数据已分别被加密。具体的，可以采用RSA（一种加密算法）算法来进行加密。清算服务器在接收到第一数据和第二数据后，相应的采用RSA算法进行解密，由此对第一数据和第二数据进行解析。解析后的数据中包括电子凭证的状态，具体包括待收证状态、待履约状态、待申请解付状态、待解付状态或待清算状态等。将待清算设为关键字，根据该关键字进行筛选，得到所有状态为待清算的电子凭证。由此为清算服务器进行跨行清算做好准备。
进一步的，清算服务器生的对账文件和清算报文也是加密的。第一银行服务和第二银行服务器在接收对账文件后均需要对该对账文件进行解密，才能进行确认。第一银行服务器和第二银行服务器在接收到清算报文后，均需要对清算报文进行解密才能按照对账文件中的清算总金额进行跨行清算。通过对第一数据、第二数据、对账文件和清算报文等在清算服务器与第一银行服务器、第二银行服务器之间进行交互的数据和文件进行加密，提高了跨行清算的安全性。
在一个实施例中，在将对账文件发送至第一银行服务器和第二银行服务器的步骤之后，还包括：若第一银行服务器上预存储的第一预设时间内待清算的电子凭证的数据与对账文件不一致，则接收第一银行服务器发送的第一差错信息；和/或若第二银行服务器上预存储的第一预设时间内第一银行服务器待清算的电子凭证的数据与对账文件不一致，则接收第二银行服务器发送的第二差错信息；对第一差错信息和/或第二差错信息进行调整，再次执行将对账文件发送至第一银行服务器和所述第二银行服务器，以使得第一银行服务器和第二银行服务器分别对对账文件进行确认并返回确认信息的步骤。
本实施例中，第一银行服务器在主动更新第一电子凭证对应的第一数据时，还会将第一数据实时同步发送至清算服务器和第二银行服务器。以使得第一电子凭证的第一数据可以在第一银行服务器和第二银行服务器同时存储。第二银行服务器在主动更新第二电子凭证对应的第二数据时，还会将第二数据实时同步发送至清算服务器和第一银行服务器。以使得第二电子凭证的第二数据可以在第一银行服务器和第二银行服务器同时存储。第一银行服务器在收到对账文件后，会将对账文件与第一银行服务器上预存的第一预设时间内的第一数据、第二数据进行比对，也就是将对账文件与所有第一预设时间内的待清算电子凭证的数据（第一数据和第二数据）进行比对，如果比对一致，则第一银行服务器通过对该对账文件的确认，并向清算服务器发送第一确认信息。如果比对不一致，则第一银行服务器会向清算服务器发送第一差错信息。第二银行服务器在收到对账文件后，会将对账文件与第二银行服务器上预存的第一预设时间内的第一数据、第二数据进行比对，如果比对一致，则第二银行服务器通过对该对账文件的确认，并向清算服务器发送第二确认信息。如果比对不一致，则第二银行服务器会向清算服务器发送第二差错信息。
清算服务器在收到第一差错信息和/或第二差错信息后，会调取业务明细进行比对，利用差错平账处理方法进行调整，以确保清算服务器、第一银行服务器与第二银行服务器之间的对账数据一致后，清算服务器再次生成对账文件，以确保跨行清算的数据准确。
在一个实施例中，在将清算报文分别发送至第一银行服务器，以使得第一银行服务器根据清算报文将清算总金额转移至第二银行服务器的步骤之后，还包括：判断第二预设时间内是否接收到所述第一银行服务器发送的已转移所述清算总金额的通知；若否，则向第一银行服务器发送转移清算总金额的提醒。
本实施例中，在第一银行服务器根据清算报文将清算总金额转移至第二银行服务器之后，第一银行服务器会向清算服务器发送完成清算总金额转移的通知。清算服务器在第二预设时间内接收到该通知后，将该通知进行记录。如果清算服务器在第二预设时间内未接收到该通知，则向第一银行服务器发送转移清算总金额的提醒，以确保第一银行服务器与第二银行服务器上的待清算电子凭证及时完成跨行清算。
在一个实施例中，如图2所示提供了一种跨行清算方法，以该方法应用在第一银行服务器为例进行说明，该方法具体包括：
步骤202，向清算服务器实时发送第一电子凭证的第一数据，以使得清算服务器在接收到第二银行服务器发送的第二电子凭证的第二数据后，根据第一预设时间内多个待清算第一凭证的第一数据与多个待清算第二电子凭证的第二数据生成对账文件。
步骤204，接收清算服务器发送的对账文件，对账文件中包括清算总金额。
步骤206，判断对账文件与预存储的第一预设时间内待清算的第二电子凭证的第二数据、待清算的第一电子凭证的第一数据是否一致；若是，则进入步骤208，否则，向清算服务器发送第一差错信息。
步骤208，向清算服务器返回确认信息，以使得清算服务器在接收到确认信息后，利用对账文件生成清算报文。
步骤210，接收清算服务器发送的清算报文。
步骤212，根据清算报文将清算总金额转移至第二银行服务器。
本实施例中，第一银行服务器向清算服务器实时发送第一电子凭证的第一数据。第二银行服务器也会向清算服务器实时发送第二电子凭证的第二数据。第一数据和第二数据均为加密数据。清算服务器接收到第一数据和第二数据后，会分别对第一数据和第二数据进行解密。具体的，第一数据和第二数据均可以采用RSA算法来进行加密。清算服务器在接收到第一数据和第二数据后，相应的采用RSA算法进行解密。通过对第一数据和第二数据进行加密和解密的解析，提高了跨行清算的安全性。解析后的数据中包括电子凭证的状态，具体包括待收证状态、待履约状态、待申请解付状态、待解付状态或待清算状态等。将待清算设为关键字，根据该关键字进行筛选，得到所有状态为待清算的电子凭证。为清算服务器进行跨行清算做好准备。清算服务器分别调用第一预设时间内待清算第一电子凭证对应的第一数据和第一预设时间内待清算第二电子凭证的第二数据，对第一数据和第二数据分别进行汇总和轧差处理，根据处理后的结果生成第一银行服务器与第二银行服务器之间的对账文件。
电子凭证采用净额轧差的清算方式。也就是在电子凭证清算中，对各个银行款项的清算只计算其应收款、应付款相抵后的净额。也就是说每个银行可能有成千上万个电子凭证的往来资金需要支付和收款，但并不需要对每一个电子凭证的资金都立即单独支付，只需要计算第一预设时间内待清算电子凭证对应的总差额，由付差行一次性将总差额的资金支付给收差行即可。两个银行之间跨行清算，可以通过第一银行服务器与第二银行服务器净额轧差清算也就是双边净额轧差清算来实现，多个银行之间跨行清算，可以通过多个银行服务器之间的净额轧差清算也就是多边净额轧差清算来实现。采用净额轧差清算，有效减少了传输数据，提高了跨行清算的速度。
清算服务器将对账文件发送至第一银行服务器和第二银行服务器。第一银行服务器和第二银行服务分别对该对账文件进行确认，第一银行服务确认通过后返回第一确认信息，第二银行服务器确认通过后会返回第二确认信息。具体的，第一银行服务器将对账文件与预存储的第一预设时间内待清算的第二电子凭证的第二数据、待清算的第一电子凭证的第一数据进行比对，判断两者的数据是否一致。如果一致，则第一银行服务器向清算服务器返回第一确认信息。否则，第一银行服务器向清算服务器发送第一差错信息。第二银行服务器将对账文件与预存储的第一预设时间内第一银行服务器待清算的第一电子凭证的第一数据进行比对，判断两者的数据是否一致。如果一致，则第二银行服务器向清算服务器返回第二确认信息。否则，第二银行服务器向清算服务器发送第二差错信息。
在其中一个实施例中，在判断对账文件与预存储的第一预设时间内待清算的第二电子凭证的第二数据、待清算的第一电子凭证的第一数据是否一致的步骤之后，还包括：若不一致，则向清算服务器发送第一差错信息，以使得清算服务器对第一差错信息调整后再次生成对账文件；再次执行接收清算服务器发送的清算报文的步骤。
清算服务器接收到第一差错信息和/或第二差错信息后，会调取业务明细进行比对，利用差错平账处理方法进行调整，以确保清算服务器、第一银行服务器与第二银行服务器之间的对账数据一致后，清算服务器再次生成对账文件，已确保跨行清算的数据准确。
清算服务器接收第一确认信息和第二确认信息后，利用对账文件生成清算报文。第一银行服务器在接收到清算报文后，根据清算报文将对账文件中的清算总金额转移至第二银行服务器。由此完成批量电子凭证的跨行清算。
本实施例中，由于电子凭证是第一预设时间内待清算的，清算服务器利用第一银行服务器的第一电子凭证的第一数据与第二银行服务器的第二电子凭证的第二数据生成对账文件，对账文件中包括了第一银行服务器需要转移至第二银行服务器的电子凭证的清算总金额。清算服务器接收到第一银行服务器与第二银行服务器分别根据对账文件返回确认信息后，根据对账文件来生成清算报文，由此使得第一银行服务器在接收到清算报文后能够按照对账文件中的清算总金额向第二银行服务器进行支付。由此能够对第一预设时间内的批量电子凭证进行跨行清算，有效节省了跨行支付的手续费，克服了大量单个电子凭证实时跨行支付时需要高额手续费的问题。
在一个实施例中，第一银行服务器上预先设置了第一业务清算专户，在根据清算报文将清算总金额转移至第二银行服务器的步骤之后，还包括：利用所述第一业务清算专户将多个第二电子凭证对应的金额转移至对应的收款账户中。
本实施例中，对账文件中还包括待清算电子凭证的编号。由于采用了净额轧差清算方式，第一银行服务器与第二银行服务器之间转移的只是清算总金额。第一银行也需要根据对账文件将收款划入本行接收的电子凭证（即第二电子凭证）的收款账户。第一银行服务器上预先设置了第一业务清算专户。由于第一银行为付差行，可以直接从本行的第一业务清算专户中根据对账文件和待清算第二电子凭证的编号将相应的金额转移至对应的收款账户中。如果第一预设时间内没有第二电子凭证的第二数据，则无需此步骤。在第一银行服务器根据清算报文将清算总金额转移至第二银行服务器之后，第二银行服务器将接收到的清算总金额首先划入第二银行服务器上第二业务清算专户。再根据对账文件中待清算第一电子凭证的编号，将待清算第一电子凭证对应的金额分别转移至每个第一电子凭证的收款账户中。由于第一银行服务器与第二银行服务器之间通过净额轧差的方式来实现跨行清算的，因此第一银行服务器转移至第二银行的清算总金额很可能会小于第二银行服务器应划拨总金额即第二银行服务器上多个第一电子凭证对应的总金额。清算总金额与第二银行服务器应划拨总金额之间的差额将由第二业务清算专户内的金额进行补足，再利用对账文件将每个第一电子凭证对应的金额划入到对应的收款账户中。由此进一步提高了跨行清算的准确性。
在一个实施例中，如图3所示，提供了一种跨行清算方法，以应用在第二银行服务器为例进行说明，该方法具体包括：
步骤302，向清算服务器实时发送第二电子凭证的第二数据，以使得清算服务器在接收到第一银行服务器发送的第一电子凭证的第一数据后，根据第一预设时间内多个待清算第一凭证的第一数据与多个待清算第二电子凭证的第二数据生成对账文件。
步骤304，接收清算服务器发送的对账文件，对账文件中包括清算总金额。
步骤306，判断对账文件与预存储的第一预设时间内待清算的第一电子凭证的第一数据、待清算的第二电子凭证的第二数据是否一致；若是，则进入步骤308，否则，发送第二差错信息。
步骤308，向清算服务器返回确认信息，以使得清算服务器在接收到确认信息后，利用对账文件生成清算报文。
步骤310，接收清算服务器发送的清算报文。
步骤312，根据清算报文接收第一银行服务器转移的清算总金额。
步骤314，将接收到的清算总金额转移至第二业务清算专户，根据对账文件利用第二业务清算专户分别将多个第一电子凭证对应的金额转移至对应的收款账户中。
本实施例中，第二银行服务器向清算服务器实时发送第二电子凭证的第二数据。第一银行服务器也会向清算服务器实时发送第一电子凭证的第一数据。第一数据和第二数据均为加密数据。清算服务器接收到第一数据和第二数据后，会分别对第一数据和第二数据进行解密。具体的，第一数据和第二数据均可以采用RSA算法来进行加密。清算服务器在接收到第一数据和第二数据后，相应的采用RSA算法进行解密。由此对第一数据和第二数据进行解析。解析后的数据中包括电子凭证的状态，其中包括待清算状态。将待清算设为关键字，根据该关键字进行筛选，得到所有状态为待清算的电子凭证。为清算服务器进行跨行清算做好准备。清算服务器分别调用第一预设时间内待清算第一电子凭证对应的第一数据和第一预设时间内待清算第二电子凭证的第二数据，对第一数据和第二数据分别进行汇总和轧差处理，根据处理后的结果生成第一银行服务器与第二银行服务器之间的对账文件。
电子凭证采用净额轧差的清算方式。也就是在电子凭证清算中，对各个银行款项的清算只计算其应收款、应付款相抵后的净额。也就是说每个银行可能有成千上万个电子凭证的往来资金需要支付和收款，但并需要对每一个电子凭证的资金都立即单独支付，只需要计算第一预设时间内待清算电子凭证对应的总差额，由付差行一次性将总差额的资金支付给收差行即可。两个银行之间跨行清算，可以通过第一银行服务器与第二银行服务器净额轧差清算也就是双边净额轧差清算来实现，多个银行之间跨行清算，可以通过多个银行服务器之间的净额轧差清算也就是多边净额轧差清算来实现。采用净额轧差清算，有效减少了传输数据，提高了跨行清算的速度。
清算服务器将对账文件发送至第一银行服务器和第二银行服务器。第一银行服务器和第二银行服务分别对该对账文件进行确认，第一银行服务确认通过后返回第一确认信息，第二银行服务器确认通过后会返回第二确认信息。具体的，第一银行服务器将对账文件与预存储的第一预设时间内第二银行服务器待清算的第二电子凭证的第二数据进行比对，判断两者的数据是否一致。如果一致，则第一银行服务器向清算服务器返回第一确认信息。否则，第一银行服务器向清算服务器发送第一差错信息。第二银行服务器将对账文件与预存储的第一预设时间内待清算的第一电子凭证的第一数据、待清算的第二电子凭证的第二数据进行比对，判断两者的数据是否一致。如果一致，则第二银行服务器向清算服务器返回第二确认信息。否则，第二银行服务器向清算服务器发送第二差错信息。
在其中一个实施例中，在判断对账文件与预存储的第一预设时间内待清算的第一电子凭证的数据、待清算的第二电子凭证的第二数据是否一致的步骤之后，还包括：若不一致，则向清算服务器发送第二差错信息，以使得清算服务器对第二差错信息调整后再次生成对账文件；再次执行接收清算服务器发送的清算报文的步骤。
清算服务器接收到第一差错信息和/或第二差错信息后，会调取业务明细进行比对，利用差错平账处理方法进行调整，以确保清算服务器、第一银行服务器与第二银行服务器之间的对账数据一致后，清算服务器再次生成对账文件，已确保跨行清算的数据准确。
清算服务器接收第一确认信息和第二确认信息后，利用对账文件生成清算报文。第一银行服务器在接收到清算报文后，根据清算报文将对账文件中的清算总金额转移至第二银行服务器。由此完成批量电子凭证的跨行清算。第二银行服务器将接收到的清算总金额首先划入第二银行服务器上第二业务清算专户。再根据对账文件利用第二业务清算专户将第一电子凭证对应的金额分别转移至每个第一电子凭证的收款账户中。由于第一银行服务器与第二银行服务器之间通过净额轧差的方式来实现跨行清算的，因此第一银行服务器转移至第二银行的清算总金额很可能会小于第二银行应划拨总金额即第二银行服务器上多个第一电子凭证对应的总金额。清算总金额与第二银行应划拨总金额之间的差额将由第二业务清算专户内的金额进行补足，再利用对账文件将每个电子凭证对应的金额划入到对应的收款账户中。由此进一步提高了跨行清算的准确性。
本实施例中，由于电子凭证是第一预设时间内待清算的，清算服务器利用第一银行服务器的第一电子凭证的第一数据与第二银行服务器的第二电子凭证的第二数据生成对账文件，对账文件中包括了第一银行服务器需要转移至第二银行服务器的电子凭证的清算总金额。清算服务器接收到第一银行服务器与第二银行服务器分别根据对账文件返回确认信息后，根据对账文件来生成清算报文，由此使得第一银行服务器在接收到清算报文后能够按照对账文件中的清算总金额向第二银行服务器进行支付。由此能够对第一预设时间内的批量电子凭证进行跨行清算，有效节省了跨行支付的手续费，克服了大量单个电子凭证实时跨行支付时需要高额手续费的问题。
在一个实施例中，如图4所示，提供了一种跨行清算系统，该系统包括：第一银行服务器402、第二银行服务器404和清算服务器406，其中：
第一银行服务器402，用于向清算服务器406实时发送第一电子凭证的第一数据。
第二银行服务器404，用于向清算服务器406实时发送第二电子凭证的第二数据。
清算服务器406，用于接收第一数据和第二数据，并根据第一预设时间内多个待清算第一凭证的第一数据与多个待清算第二电子凭证的第二数据生成对账文件，对账文件中包括清算总金额，并将对账文件分别发送至第一银行服务器402和第二银行服务器404。
第一银行服务器402还用于对该对账文件进行确认，并向清算服务器返回第一确认信息。
第二银行服务器404还用于对该对账文件进行确认，并向清算服务器返回第二确认信息。
清算服务器406还用于在接收到第一确认信息和第二确认信息后，利用对账文件生成清算报文，并将将清算报文分别发送至第一银行服务器和第二银行服务器。
第一银行服务器404还用于根据清算报文将清算总金额转移至第二银行服务器。
本实施例中，第一银行服务器向清算服务器实时发送第一电子凭证的第一数据。第二银行服务器也会向清算服务器实时发送第二电子凭证的第二数据。第一数据和第二数据均为加密数据。清算服务器接收到第一数据和第二数据后，会分别对第一数据和第二数据进行解密。具体的，第一数据和第二数据均可以采用RSA算法来进行加密。清算服务器在接收到第一数据和第二数据后，相应的采用RSA算法进行解密。通过对第一数据和第二数据进行加密和解密的解析，提高了跨行清算的安全性。解析后的数据中包括电子凭证的状态，具体包括待收证状态、待履约状态、待申请解付状态、待解付状态或待清算状态等。将待清算设为关键字，根据该关键字进行筛选，得到所有状态为待清算的电子凭证。为清算服务器进行跨行清算做好准备。清算服务器分别调用第一预设时间内待清算第一电子凭证对应的第一数据和第一预设时间内待清算第二电子凭证的第二数据，对第一数据和第二数据分别进行汇总和轧差处理，根据处理后的结果生成第一银行服务器与第二银行服务器之间的对账文件。
电子凭证采用净额轧差的清算方式。也就是在电子凭证清算中，对各个银行款项的清算只计算其应收款、应付款相抵后的净额。也就是说每个银行可能有成千上万个电子凭证的往来资金需要支付和收款，但并需要对每一个电子凭证的资金都立即单独支付，只需要计算第一预设时间内待清算电子凭证对应的总差额，由付差行一次性将总差额的资金支付给收差行即可。两个银行之间跨行清算，可以通过第一银行服务器与第二银行服务器净额轧差清算也就是双边净额轧差清算来实现，多个银行之间跨行清算，可以通过多个银行服务器之间的净额轧差清算也就是多边净额轧差清算来实现。采用净额轧差清算，有效减少了传输数据，提高了跨行清算的速度。
在其中一个实施例中，第一银行服务器还用于若判断对账文件与预存储的第一预设时间内待清算的第二电子凭证的第二数据、待清算的第一电子凭证的第一数据一致；则向清算服务器返回第一确认信息。在其中一个实施例中，第一银行服务器还用于若判断对账文件与预存储的第一预设时间内待清算的第二电子凭证的第二数据、待清算的第一电子凭证的第一数据不一致，则向清算服务器返回第一差错信息。
在其中一个实施例中，第二银行服务器还用于若判断对账文件与预存储的第一预设时间内待清算的第一电子凭证的第一数据、待清算的第二电子凭证的第二数据一致；则向清算服务器返回第二确认信息。在其中一个实施例中，第二银行服务器还用于若判断对账文件与预存储的第一预设时间内待清算的第一电子凭证的第一数据、待清算的第二电子凭证的第二数据不一致，则向清算服务器返回第二差错信息。在其中一个实施例中，清算服务器还用于对第一差错信息和/或第二差错信息调整后再次生成对账文件。清算服务器接收到第一差错信息和/或第二差错信息后，会调取业务明细进行比对，利用差错平账处理方法进行调整，以确保清算服务器、第一银行服务器与第二银行服务器之间的对账数据一致后，清算服务器再次生成对账文件，已确保跨行清算的数据准确。
本实施例中，清算服务器接收到第一银行服务器与第二银行服务器分别根据对账文件返回确认信息后，根据对账文件来生成清算报文，由此使得第一银行服务器在接收到清算报文后能够按照对账文件中的清算总金额向第二银行服务器进行支付。由此能够对第一预设时间内的批量电子凭证进行跨行清算，有效节省了跨行支付的手续费，克服了大量单个电子凭证实时跨行支付时需要高额手续费的问题。
在一个实施例中，第一银行服务器还用于利用第一业务清算专户将多个第二电子凭证对应的金额转移至对应的收款账户中，第二银行服务器还用于将接收到的清算总金额转移至第二业务清算专户，根据对账文件利用第二业务清算专户分别将多个第一电子凭证对应的金额转移至对应的收款账户中。
本实施例中，第一银行服务器上第一业务清算专户中根据对账文件和待清算第二电子凭证的编号将相应的金额转移至对应的收款账户中。在第一银行服务器根据清算报文将清算总金额转移至第二银行之后，第二银行服务器将接收到的清算总金额首先划入第二银行服务器上第二业务清算专户。再根据对账文件中待清算第一电子凭证的编号，将待清算第一电子凭证对应的金额分别转移至每个第一电子凭证的收款账户中。由于第一银行服务器与第二银行服务器之间通过净额轧差的方式来实现跨行清算的，因此第一银行服务器转移至第二银行的清算总金额很可能会小于第二银行应划拨总金额即第二银行服务器上多个第一电子凭证对应的总金额。清算总金额与第二银行应划拨总金额之间的差额将由第二业务清算专户内的金额进行补足，再利用对账文件将每个第一电子凭证对应的金额划入到对应的收款账户中。由此进一步提高了跨行清算的准确性。
在一个实施例中，第一银行服务器还用于向所述第二银行服务器转移清算总金额之后还向清算服务器发送已转移清算总金额的通知。
本实施例中，在第一银行服务器根据清算报文将清算总金额转移至第二银行之后，第一银行服务器会向清算服务器发送完成清算总金额转移的通知。清算服务器在接收到该通知后，将该通知进行记录。如果清算服务器在第二预设时间内没有接收到该通知，则向第一银行服务器发送转移清算总金额的提醒，以此确保第一银行服务器与第二银行服务器上的待清算电子凭证及时完成跨行清算。
在一个实施例中，提供了一种跨行清算服务器，该服务器包括处理器及非易失性存储介质，非易失性存储介质中储存有指令，指令被处理器执行时，可使得处理器执行以下步骤：
获取第一预设时间内多个待清算电子凭证的数据，所述数据包括第一数据和第二数据，所述第一数据与第一银行服务器相对应，所述第二数据与第二银行服务器相对应；
利用所述第一数据和所述第二数据生成对账文件，所述对账文件中包括清算总金额；
将所述对账文件发送至所述第一银行服务器和所述第二银行服务器，以使得所述第一银行服务器和所述第二银行服务器分别对所述对账文件进行确认并返回确认信息；
在接收到所述确认信息后，利用所述对账文件生成清算报文；
将所述清算报文发送至所述第一银行服务器，以使得所述第一银行服务器根据所述清算报文将所述清算总金额转移至所述第二银行服务器。
本实施例中，跨行清算服务器的结构示意图如图5所示，该服务器包括通过系统总线连接的处理器、非易失性存储介质、内存和网络接口。其中，该服务器的非易失性存储介质存储有操作系统、数据库和跨行清算处理装置，该跨行清算处理装置用于实现适用于服务器的一种跨行清算方法。该服务器的处理器用于提供计算和控制能力，支撑整个服务器的运行。该服务器的内存为非易失性存储介质中的跨行清算信息处理装置的运行提供环境。该服务器的网络接口用于据以与外部的终端通过网络连接通信，比如接收第一银行服务器发送的第一电子凭证的第一数据等。服务器可以用独立的服务器或者是多个服务器来实现，比如服务器可以包括跨行清算处理服务器和存储服务器等。
此外，还提供一种非易失性计算机存储介质。
一种包含计算机可执行指令的非易失性计算机存储介质，所述计算机可执行指令用于执行一种跨行清算方法，-所述方法包括以下步骤：
获取第一预设时间内多个待清算电子凭证的数据，所述数据包括第一数据和第二数据，所述第一数据与第一银行服务器相对应，所述第二数据与第二银行服务器相对应；
利用所述第一数据和所述第二数据生成对账文件，所述对账文件中包括清算总金额；
将所述对账文件发送至所述第一银行服务器和所述第二银行服务器，以使得所述第一银行服务器和所述第二银行服务器分别对所述对账文件进行确认并返回确认信息；
在接收到所述确认信息后，利用所述对账文件生成清算报文；
将所述清算报文发送至所述第一银行服务器，以使得所述第一银行服务器根据所述清算报文将所述清算总金额转移至所述第二银行服务器。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本发明的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本发明构思的前提下，还可以做出若干变形和改进，这些都属于本发明的保护范围。因此，本发明专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种跨行清算方法，包括：
    获取第一预设时间内多个待清算电子凭证的数据，所述数据包括第一数据和第二数据，所述第一数据与第一银行服务器相对应，所述第二数据与第二银行服务器相对应；
    利用所述第一数据和所述第二数据生成对账文件，所述对账文件中包括清算总金额；
    将所述对账文件发送至所述第一银行服务器和所述第二银行服务器，以使得所述第一银行服务器和所述第二银行服务器分别对所述对账文件进行确认并返回确认信息；
    在接收到所述确认信息后，利用所述对账文件生成清算报文；及
    将所述清算报文发送至所述第一银行服务器，以使得所述第一银行服务器根据所述清算报文将所述清算总金额转移至所述第二银行服务器。
  2. 根据权利要求1所述的方法，其特征在于，在所述获取第一预设时间内多个待清算电子凭证的数据的步骤之前，还包括：
    接收所述第一银行服务器和所述第二银行服务器实时发送的多个电子凭证的数据；
    对所述数据进行解析得到解析后的数据，所述解析后的数据中包括所述电子凭证的状态，所述电子凭证的状态包括待清算；
    筛选出状态为待清算的电子凭证，得到待清算电子凭证。
  3. 根据权利要求1所述的方法，其特征在于，在所述将所述对账文件发送至所述第一银行服务器和所述第二银行服务器的步骤之后，还包括：
    若所述第一银行服务器上预存储的所述第一预设时间内待清算的电子凭证的数据与所述对账文件不一致，则接收第一银行服务器发送的第一差错信息； 和/或
    若所述第二银行服务器上预存储的所述第一预设时间内待清算的电子凭证的数据与所述对账文件不一致，则接收第二银行服务器发送的第二差错信息；
    对所述第一差错信息和/或所述第二差错信息进行调整，再次执行所述将所述对账文件发送至所述第一银行服务器和所述第二银行服务器，以使得所述第一银行服务器和所述第二银行服务器分别对所述对账文件进行确认并返回确认信息的步骤。
  4. 根据权利要求1所述的方法，其特征在于，在所述将所述清算报文分别发送至所述第一银行服务器，以使得所述第一银行服务器根据所述清算报文将所述清算总金额转移至所述第二银行服务器的步骤之后，还包括：
    判断第二预设时间内是否接收到所述第一银行服务器发送的已转移所述清算总金额的通知；
    若否，则向第一银行服务器发送转移清算总金额的提醒。
  5. 一种跨行清算方法，应用在第一银行服务器，所述方法包括：
    向清算服务器实时发送第一电子凭证的第一数据，以使得清算服务器在接收到第二银行服务器发送的第二电子凭证的第二数据后，根据第一预设时间内多个待清算第一凭证的第一数据与多个待清算第二电子凭证的第二数据生成对账文件；
    接收所述清算服务器发送的对账文件，所述对账文件中包括清算总金额；
    判断所述对账文件与预存储的所述第一预设时间内待清算的第二电子凭证的第二数据、待清算的第一电子凭证的第一数据是否一致；
    若是，则向所述清算服务器返回确认信息，以使得所述清算服务器在接收到所述确认信息后，利用所述对账文件生成清算报文；
    接收所述清算服务器发送的清算报文；及
    根据所述清算报文将所述清算总金额转移至所述第二银行服务器。
  6. 根据权利要求5所述的方法，其特征在于，在所述判断所述对账文件与预存储的所述第一预设时间内待清算的第二电子凭证的第二数据、待清算的第一电子凭证的第一数据是否一致的步骤之后，还包括：
    若不一致，则向所述清算服务器发送第一差错信息，以使得所述清算服务器对所述第一差错信息调整后再次生成对账文件；再次执行所述接收所述清算服务器发送的清算报文的步骤。
  7. 根据权利要求5所述的方法，其特征在于，所述第一银行服务器上预先设置了第一业务清算专户，在所述根据所述清算报文将所述清算总金额转移至所述第二银行服务器的步骤之后，还包括：
    利用所述第一业务清算专户将多个第二电子凭证对应的金额转移至对应的收款账户中。
  8. 根据权利要求7所述的方法，其特征在于，在所述根据所述清算报文将所述清算总金额转移至所述第二银行服务器的步骤之后，还包括：
    向所述清算服务器发送已转移所述清算总金额的通知。
  9. 一种跨行清算方法，应用在第二银行服务器，所述方法包括：
    向清算服务器实时发送第二电子凭证的第二数据，以使得清算服务器在接收到第一银行服务器发送的第一电子凭证的第一数据后，根据第一预设时间内多个待清算第一凭证的第一数据与多个待清算第二电子凭证的第二数据生成对账文件；
    接收所述清算服务器发送的对账文件，所述对账文件中包括清算总金额；
    判断所述对账文件与预存储的所述第一预设时间内待清算的第一电子凭证的第一数据、待清算的第二电子凭证的第二数据是否一致；
    若是，则向所述清算服务器返回确认信息，以使得所述清算服务器在接收到所述确认信息后，利用所述对账文件生成清算报文；
    接收所述清算服务器发送的清算报文；
    根据所述清算报文接收所述第一银行服务器转移的所述清算总金额；及
    将接收到的清算总金额转移至第二业务清算专户，根据所述对账文件利用所述第二业务清算专户分别将多个第一电子凭证对应的金额转移至对应的收款账户中。
  10. 根据权利要求9所述的方法，其特征在于，在所述判断所述对账文件与预存储的所述第一预设时间内待清算的第一电子凭证的第一数据、待清算的第二电子凭证的第二数据是否一致的步骤之后，还包括：
    若不一致，则向所述清算服务器发送第二差错信息，以使得所述清算服务器根据所述第二差错信息调整后再次生成对账文件；再次执行所述接收所述清算服务器发送的清算报文的步骤。
  11. 一种跨行清算系统，其特征在于，包括：
    第一银行服务器，用于向清算服务器实时发送第一电子凭证的第一数据；
    第二银行服务器，用于向清算服务器实时发送第二电子凭证的第二数据；
    清算服务器，用于接收所述第一数据和第二数据，并根据第一预设时间内多个待清算第一凭证的第一数据与多个待清算第二电子凭证的第二数据生成对账文件，所述对账文件中包括清算总金额，并将所述对账文件分别发送至所述第一银行服务器和所述第二银行服务器；
    所述第一银行服务器还用于对所述对账文件进行确认，并向所述清算服务器返回第一确认信息；
    所述第二银行服务器还用于对所述对账文件进行确认，并向所述清算服务器返回第二确认信息；
    所述清算服务器还用于在接收到所述第一确认信息和第二确认信息后，利用所述对账文件生成清算报文，并将所述清算报文分别发送至所述第一银行服务器和第二银行服务器；
    所述第一银行服务器还用于根据所述清算报文将所述清算总金额转移至所述第二银行服务器。
  12. 根据权利要求11所述的系统，其特征在于，所述第一银行服务器还用于利用所述第一业务清算专户将多个第二电子凭证对应的金额转移至对应的收款账户中，所述第二银行服务器还用于将接收到的清算总金额转移至第二业务清算专户，根据所述对账文件利用所述第二业务清算专户分别将多个第一电子凭证对应的金额转移至对应的收款账户中。
  13. 根据权利要求11所述的系统，其特征在于，所述第一银行服务器还用于若判断所述对账文件与预存储的所述第一预设时间内待清算的第二电子凭证的第二数据、待清算的第一电子凭证的第一数据一致；则向所述清算服务器返回第一确认信息。
  14. 根据权利要求13所述的系统，其特征在于，所述第一银行服务器还用于若判断所述对账文件与预存储的所述第一预设时间内待清算的第二电子凭证的第二数据、待清算的第一电子凭证的第一数据不一致，则向所述清算服务器返回第一差错信息。
  15. 根据权利要求11所述的系统，其特征在于，所述第二银行服务器还用于若判断所述对账文件与预存储的所述第一预设时间内待清算的第一电子凭证的第一数据、待清算的第二电子凭证的第二数据一致；则向所述清算服务器返回第二确认信息。
  16. 根据权利要求15所述的系统，其特征在于，所述第二银行服务器还用于若判断所述对账文件与预存储的所述第一预设时间内待清算的第一电子凭证的第一数据、待清算的第二电子凭证的第二数据不一致，则向所述清算服务器返回第二差错信息。
  17. 根据权利要求14或16任一项所述的系统，其特征在于，所述清算服务器还用于对所述第一差错信息和/或第二差错信息调整后再次生成对账文件。
  18. 根据权利要求17所述的系统，其特征在于，所述第一银行服务器还用于向所述第二银行服务器转移所述清算总金额之后还向所述清算服务器发送已转移所述清算总金额的通知。
  19. 一种跨行清算服务器，其特征在于，包括处理器及非易失性存储介质，所述非易失性存储介质中储存有指令，所述指令被所述处理器执行时，可使得所述处理器执行以下步骤：
    获取第一预设时间内多个待清算电子凭证的数据，所述数据包括第一数据和第二数据，所述第一数据与第一银行服务器相对应，所述第二数据与第二银行服务器相对应；
    利用所述第一数据和所述第二数据生成对账文件，所述对账文件中包括清算总金额；
    将所述对账文件发送至所述第一银行服务器和所述第二银行服务器，以使得所述第一银行服务器和所述第二银行服务器分别对所述对账文件进行确认并返回确认信息；
    在接收到所述确认信息后，利用所述对账文件生成清算报文；及
    将所述清算报文发送至所述第一银行服务器，以使得所述第一银行服务器根据所述清算报文将所述清算总金额转移至所述第二银行服务器。
  20. 一种包含计算机可执行指令的非易失性计算机存储介质，所述计算机可执行指令用于执行一种跨行清算方法，其特征在于，所述方法包括以下步骤：
    获取第一预设时间内多个待清算电子凭证的数据，所述数据包括第一数据和第二数据，所述第一数据与第一银行服务器相对应，所述第二数据与第二银行服务器相对应；
    利用所述第一数据和所述第二数据生成对账文件，所述对账文件中包括清算总金额；
    将所述对账文件发送至所述第一银行服务器和所述第二银行服务器，以使得所述第一银行服务器和所述第二银行服务器分别对所述对账文件进行确认并返回确认信息；
    在接收到所述确认信息后，利用所述对账文件生成清算报文；及
    将所述清算报文发送至所述第一银行服务器，以使得所述第一银行服务器根据所述清算报文将所述清算总金额转移至所述第二银行服务器。
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