WO2017166174A1 - Procédé de règlement et de compensation central - Google Patents

Procédé de règlement et de compensation central Download PDF

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Publication number
WO2017166174A1
WO2017166174A1 PCT/CN2016/078006 CN2016078006W WO2017166174A1 WO 2017166174 A1 WO2017166174 A1 WO 2017166174A1 CN 2016078006 W CN2016078006 W CN 2016078006W WO 2017166174 A1 WO2017166174 A1 WO 2017166174A1
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WO
WIPO (PCT)
Prior art keywords
clearing
data
merchant
library
settlement
Prior art date
Application number
PCT/CN2016/078006
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English (en)
Chinese (zh)
Inventor
李昕光
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李昕光
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Filing date
Publication date
Application filed by 李昕光 filed Critical 李昕光
Priority to PCT/CN2016/078006 priority Critical patent/WO2017166174A1/fr
Publication of WO2017166174A1 publication Critical patent/WO2017166174A1/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
    • G06Q30/00—Commerce
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism

Definitions

  • the present invention relates to the field of data processing, and in particular, to a central clearing and settlement method.
  • the central clearing and settlement system is responsible for the electronic wallet card and the electronic cash card issued by the cooperative bank, and all the credit card transaction data on the operator POS terminal placed in the bus, subway, special merchant, and third party payment, etc.
  • the clearing rules of the operating company and the third-party special merchants are carried out for clearing and settlement, and the central clearing and settlement system can be used to generate and print various reports and realize settlement of funds.
  • the clearing system undertakes important functions of data clearing and fund transfer.
  • multi-level platform processing is adopted: multiple system databases are set up in the primary platform for different services; in the secondary platform, the data of each application unit is cleared and settled; Businesses are collected by large merchants or industries, and funds are cleared and settled.
  • POS For consumption data, it is processed online in many clearing systems.
  • POS collects and uploads each transaction data on the same day.
  • the system accumulates all-day flow and sends it to the financial system for accounting.
  • the financial department of the operator issues a statement and receives data from the partner merchant on the terminal to perform clearing and reconciliation.
  • the embodiment of the present invention provides a central clearing settlement method.
  • the technical solution is as follows:
  • a first aspect of the embodiments of the present invention provides a central clearing and settlement system, where the system includes: a transaction library and a clearing library;
  • the transaction library is used to store transaction data sources, including receipt data;
  • the clearing library is used to save the clearing data and perform a summary clearing.
  • system further includes: a reconciliation system, configured to automatically generate a reconciliation file according to the data of the clearing library;
  • a settlement system for settlement of funds is provided.
  • the system adopts an ORACLE database, a Linux and Windows operating system, a TOMCAT architecture, and a JAVA/C development language; and uses IBM Pseries as a server hardware.
  • a second aspect of the embodiments of the present invention provides a central clearing settlement method, where the method includes:
  • the online transaction data is transferred to the clearing library, and/or the offline transaction data uploaded in the file or the message mode and verified without abnormality is transferred to the clearing library;
  • the clearing library performs legality verification on the received data
  • the reconciliation system automatically generates a reconciliation file, and sends the reconciliation file to the merchant designated server through the transmission system;
  • the method further includes: indexing related table data in the clearing library, and/or performing partition management on the table data, and/or performing a history table on data in the clearing library. Take over storage.
  • the method further includes:
  • the performing the clearing of the verified data includes: clearing the transaction amount, the commission, and the commission according to the clearing rules and rates of the merchant. The amount of the handling fee, and deducting the merchant's reserve and credit limit.
  • the reconciliation system automatically generates a reconciliation file for automatic transmission to the merchant designated server by the transmission software.
  • the configuring the merchant reconciliation required file that is, customizing the daily generated reconciliation file required by the merchant.
  • the method further includes: transferring, at a predetermined time node, the online transaction data to the clearing library, specifically, according to the issuing amount of the operating party card and the existing office
  • the number of merchants is such that the transaction database data is synchronized with the clearing library data, and the synchronization process includes transaction commit and transaction rollback.
  • unified and standardized clearing and reconciliation documents facilitate unified management, improve clearing efficiency, and enhance the ability to handle abnormal situations.
  • FIG. 1 is a schematic structural view of an implementation environment involved in various embodiments of the present invention.
  • FIG. 2 is a flowchart of a method for a central clearing settlement method according to an embodiment of the present invention
  • FIG. 3 is a schematic structural diagram of a central clearing and settlement system according to another embodiment of the present invention.
  • FIG. 4 is a schematic structural diagram of a data processing module according to an embodiment of the present invention.
  • FIG. 5 is a schematic structural diagram of a server according to another embodiment of the present invention.
  • FIG. 1 is a schematic structural diagram of an implementation environment involved in various embodiments of the present invention.
  • the system supports the clearing and clearing of massive data, realizes multi-rate and multi-rule clearing rule setting, and summarizes the data of each industry and each terminal at the end of the day, clears according to the rate, and clears according to the specified clearing rules.
  • the system supports different clearing rules according to the business needs of each merchant, adds merchant reserve, sets the merchant's top-up credit limit, and customizes the daily generated reconciliation files required by the merchant.
  • the system will automatically run batch processing in the database, transfer the transaction database data to the clearing library, and verify the validity of the data. Data that has not been validated enters the exception handling process. After verifying the passed data, the card account and the merchant account are credited, and then the summary processing is performed, and the handling fee of the merchant and the commission of the merchant are calculated, and a report is formed for storage.
  • the reconciliation file generation will be performed, and the reconciliation files required by the defined merchants will be generated and automatically transmitted through the transmission software.
  • the business personnel verify according to the abnormal reason given by the system. If it is abnormal data, it enters the verification process; if it is determined to be normal data, it enters the verification process and performs liquidation again.
  • FIG. 2 shows a flowchart of a method for a central clearing settlement method provided by an embodiment of the present invention.
  • This embodiment is exemplified by applying the central clearing settlement method to the implementation environment shown in FIG. 1.
  • the method can include:
  • Step 201 Set a reserve of the merchant, or recharge the credit line
  • Step 202 Set a clearing rule and a rate of the merchant, and configure a file required for the merchant to reconcile;
  • Step 2031 Transfer the online transaction data to the clearing library at a predetermined time node, and/or, in step 2032, transfer the offline transaction data uploaded in a file or message manner and verified without abnormality to the clearing branch.
  • Step 2033 Transfer the offline transaction data of the abnormality after verification to the exception table.
  • Step 2034 analyzing the cause of the abnormality, and when verifying that the data is normal, transferring to the clearing library;
  • step 2035 when the verification data fails, the data related impact is rolled back.
  • Step 204 The clearing library performs legality verification on the received data.
  • Step 205 performing summary summarization on the verified data, and performing card processing on the card at the same time;
  • the performing the summary clearing on the verified data includes: separately clearing the amount of the transaction amount, the commission, the handling fee according to the clearing rules and the rate of setting the merchant, and preparing for the merchant Gold and credit lines are deducted.
  • Step 206 The reconciliation system automatically generates a reconciliation file, and sends the reconciliation file to the merchant designated server through the transmission system;
  • the reconciliation system automatically generates a reconciliation file, and automatically transmits the reconciliation file to the merchant designated server through the transmission software.
  • the present invention facilitates unified management by uniformly standardizing clearing and reconciliation files through a highly customized central clearing and settlement system, improving liquidation efficiency, and enhancing the ability to handle abnormal situations.
  • Step 207 Check the report data with the merchant or the industry, and perform fund settlement through the settlement system.
  • the method further includes: indexing related table data in the clearing library, and/or performing partition management on the table data, and/or performing a history table on data in the clearing library. Take over storage.
  • the file required for the merchant reconciliation is configured, that is, the daily generated reconciliation file required by the merchant is customized.
  • the method further includes: transferring the online transaction data to the clearing library at the predetermined time node, specifically comprising: making the transaction database data and the location according to the issued amount of the operating card and the existing number of the merchants
  • the database data is synchronized for data synchronization, and the synchronization process includes transaction commit and transaction rollback.
  • the present invention facilitates unified management by uniformly standardizing clearing and reconciliation files through a highly customized central clearing and settlement system, improving liquidation efficiency, and enhancing the ability to handle abnormal situations.
  • FIG. 3 is a schematic structural diagram of a central clearing settlement system according to another embodiment of the present invention. This embodiment is exemplified by applying the central clearing settlement system to the implementation environment shown in FIG. 1.
  • the method can include:
  • the transaction library 101 is configured to save a transaction data source, including the receipt data;
  • the clearing library 102 is configured to save the clearing data and perform a summary clearing.
  • the system further includes: a reconciliation system 103, configured to automatically generate a reconciliation file according to the data of the clearing library 102;
  • the settlement system 104 is configured to perform fund settlement.
  • the system uses an ORACLE database, a Linux and Windows operating system, a TOMCAT architecture, and a JAVA/C development language; and IBM Pseries is used as a server hardware.
  • the present invention facilitates unified management by uniformly standardizing clearing and reconciliation files through a highly customized central clearing and settlement system, improving liquidation efficiency, and enhancing the ability to handle abnormal situations.
  • the central clearing and settlement system provided by the above embodiment is only illustrated by the division of the above functional modules. In actual applications, the functions may be assigned different functions as needed. The module is completed, that is, the internal structure of the system is divided into different functional modules to complete all or part of the functions described above.
  • the embodiments of the central clearing settlement system and the central clearing settlement method provided by the above embodiments are in the same concept, and the specific implementation process is described in detail in the method embodiments, and details are not described herein again.
  • FIG. 4 is a schematic structural diagram of a terminal according to an embodiment of the present invention.
  • the electronic device can be used to implement the item transfer method provided in the above embodiments. Specifically:
  • the terminal 1000 may include an RF (Radio Frequency) circuit 1010, a memory 1020 including one or more computer readable storage media, an input unit 1030, a display unit 1040, a sensor 1050, an audio circuit 1060, a short-range communication module 1070, A processor 1080 having one or more processing cores, and a power supply 1090 and the like are included.
  • RF Radio Frequency
  • FIG. 10 does not constitute a limitation to the terminal, and may include more or less components than those illustrated, or combine some components, or different component arrangements. among them:
  • the RF circuit 1010 can be used for receiving and transmitting signals during and after receiving or transmitting information, in particular, receiving downlink information of the base station and then processing it by one or more processors 1080; in addition, transmitting data related to the uplink to the base station .
  • the RF circuit 1010 includes, but is not limited to, an antenna, at least one amplifier, a tuner, one or more oscillators, a Subscriber Identity Module (SIM) card, a transceiver, a coupler, an LNA (Low Noise Amplifier). , duplexer, etc.
  • SIM Subscriber Identity Module
  • RF circuit 1010 can also communicate with the network and other devices via wireless communication.
  • Wireless communication can be used Any communication standard or protocol, including but not limited to GSM (Global System of Mobile communication), GPRS (General Packet Radio Service), CDMA (Code Division Multiple Access) WCDMA (Wideband Code Division Multiple Access), LTE (Long Term Evolution), e-mail, SMS (Short Messaging Service), and the like.
  • GSM Global System of Mobile communication
  • GPRS General Packet Radio Service
  • CDMA Code Division Multiple Access
  • WCDMA Wideband Code Division Multiple Access
  • LTE Long Term Evolution
  • e-mail Short Messaging Service
  • the memory 1020 can be used to store software programs and modules, and the processor 1080 executes various functional applications and data processing by running software programs and modules stored in the memory 1020.
  • the memory 1020 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may be stored according to The data created by the use of the terminal 1000 (such as audio data, phone book, etc.) and the like.
  • memory 1020 can include high speed random access memory, and can also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, memory 1020 can also include a memory controller to provide access to memory 1020 by processor 1080 and input unit 1030.
  • Input unit 1030 can be used to receive input numeric or character information, as well as to generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function controls.
  • input unit 1030 can include touch-sensitive surface 1031 as well as other input devices 1032.
  • Touch-sensitive surface 1031 also known as a touch display or touchpad, can collect touch operations on or near the user (such as a user using a finger, stylus, etc., on any touch-sensitive surface 1031 or The operation near the touch-sensitive surface 1031) and driving the corresponding connecting device according to a preset program.
  • the touch-sensitive surface 1031 may include two parts of a touch detection device and a touch controller.
  • the touch detection device detects the touch orientation of the user, and detects a signal brought by the touch operation, and transmits the signal to the touch controller; the touch controller receives the touch information from the touch detection device, converts the touch information into contact coordinates, and sends the touch information.
  • the processor 1080 is provided and can receive commands from the processor 1080 and execute them.
  • the touch sensitive surface 1031 can be implemented in various types such as resistive, capacitive, infrared, and surface acoustic waves.
  • the input unit 1030 can also include other input devices 1032.
  • other input devices 1032 may include, but are not limited to, one or more of a physical keyboard, function keys (such as volume control buttons, switch buttons, etc.), trackballs, mice, joysticks, and the like.
  • Display unit 1040 can be used to display information entered by the user or information provided to the user and various graphical user interfaces of terminal 1000, which can be constructed from graphics, text, icons, video, and any combination thereof.
  • the display unit 1040 may include a display panel 1041.
  • the display panel 1041 may be configured in the form of an LCD (Liquid Crystal Display), an OLED (Organic Light-Emitting Diode), or the like.
  • the touch-sensitive surface 1031 can cover the display panel 1041, and when the touch-sensitive surface 1031 detects a touch operation thereon or nearby, it is transmitted to the processor 1080 to determine the type of the touch event, and then the processor 1080 according to the touch event The type provides a corresponding visual output on display panel 1041.
  • touch-sensitive surface 1031 and display panel 1041 are implemented as two separate components to implement input and input functions, in some embodiments, touch-sensitive surface 1031 can be integrated with display panel 1041 for input. And output function.
  • Terminal 1000 can also include at least one type of sensor 1050, such as a light sensor, motion sensor, and other sensors.
  • the light sensor may include an ambient light sensor and a proximity sensor, wherein the ambient light sensor may adjust the brightness of the display panel 1041 according to the brightness of the ambient light, and the proximity sensor may close the display panel 1041 when the terminal 1000 moves to the ear. / or backlight.
  • the gravity acceleration sensor can detect the magnitude of acceleration in all directions (usually three axes). When it is stationary, it can detect the magnitude and direction of gravity.
  • the terminal 1000 can also be configured with gyroscopes, barometers, hygrometers, thermometers, infrared sensors and other sensors, not here Let me repeat.
  • Audio circuit 1060, speaker 1061, and microphone 1062 can provide an audio interface between the user and terminal 1000.
  • the audio circuit 1060 can transmit the converted electrical data of the received audio data to the speaker 1061, and convert it into a sound signal output by the speaker 1061; on the other hand, the microphone 1062 converts the collected sound signal into an electrical signal, by the audio circuit 1060. After receiving, it is converted into audio data, and then processed by the audio data output processor 180, transmitted to the terminal, for example, via the RF circuit 110, or outputted to the memory 120 for further processing.
  • the audio circuit 160 may also include an earbud jack to provide communication of the peripheral earphones with the terminal 1000.
  • the short-range communication module 170 may include WiFi (wireless fidelity) technology and/or NFC technology and/or Bluetooth technology and/or infrared technology, and the terminal 1000 may help the user to send and receive emails and browse the webpage through the short-range communication module 170. And access to streaming media, etc., it provides users with no Broadband Internet access and close-range communication of the line, for example, for reading and writing of electronic cards in the embodiment of the present invention.
  • the processor 1080 is the control center of the terminal 1000, connecting various portions of the entire handset with various interfaces and lines, by running or executing software programs and/or modules stored in the memory 1020, and recalling data stored in the memory 1020, The various functions and processing data of the terminal 1000 are performed to perform overall monitoring of the mobile phone.
  • the processor 1080 may include one or more processing cores; preferably, the processor 1080 may integrate an application processor and a modem processor, where the application processor mainly processes an operating system, a user interface, an application, and the like.
  • the modem processor primarily handles wireless communications. It will be appreciated that the above described modem processor may also not be integrated into the processor 1080.
  • the terminal 1000 also includes a power source 1090 (such as a battery) for powering various components.
  • the power source can be logically coupled to the processor 1080 through a power management system to manage functions such as charging, discharging, and power management through the power management system.
  • the power supply 1090 may also include any one or more of a DC or AC power source, a recharging system, a power failure detection circuit, a power converter or inverter, a power status indicator, and the like.
  • the terminal 1000 may further include a camera, a Bluetooth module, and the like, and details are not described herein again.
  • the display unit of the electronic device is a touch screen display
  • the electronic device further includes a memory, and one or more programs, wherein one or more programs are stored in the memory and configured to be one or one
  • the above processor executes one or more programs that include an item transfer method as described above.
  • FIG. 5 is a schematic structural diagram of a server according to an embodiment of the present invention.
  • the server 1100 includes a central processing unit (CPU) 1101, a system memory 1104 including a random access memory (RAM) 1102 and a read only memory (ROM) 1103, and a system bus 1105 that connects the system memory 1104 and the central processing unit 1101.
  • the server 1100 also includes a basic input/output system (I/O system) 1106 that facilitates transfer of information between various devices within the computer, and mass storage for storing the operating system 1113, applications 1114, and other program modules 1115.
  • I/O system basic input/output system
  • the basic input/output system 1106 includes a display 1108 for displaying information and for The user inputs information such as an input device 1109 such as a mouse or a keyboard.
  • the display 1108 and the input device 1109 are both connected to the central processing unit 1101 via an input-output controller 1110 connected to the system bus 1105.
  • the basic input/output system 1106 can also include an input output controller 1110 for receiving and processing input from a plurality of other devices, such as a keyboard, mouse, or electronic stylus.
  • the input and output controller 1110 also provides output to a display screen, printer, or other type of output device.
  • the mass storage device 1107 is connected to the central processing unit 1101 by a mass storage controller (not shown) connected to the system bus 1105.
  • the mass storage device 1107 and its associated computer readable medium provide non-volatile storage for the server 1100. That is, the mass storage device 1107 can include a computer readable medium (not shown) such as a hard disk or a CD-ROM drive.
  • the computer readable medium can include computer storage media and communication media.
  • Computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.
  • Computer storage media include RAM, ROM, EPROM, EEPROM, flash memory or other solid state storage technologies, CD-ROM, DVD or other optical storage, tape cartridges, magnetic tape, magnetic disk storage or other magnetic storage devices.
  • RAM random access memory
  • ROM read only memory
  • EPROM Erasable programmable read-only memory
  • EEPROM electrically erasable programmable read-only memory
  • the server 1100 may also be operated by a remote computer connected to the network through a network such as the Internet. That is, the server 1100 can be connected to the network 1112 through the network interface unit 1111 connected to the system bus 1105, or can also be connected to other types of networks or remote computer systems (not shown) using the network interface unit 1111. .
  • the memory further includes one or more programs, the one or more programs being stored in a memory, the one or more programs including instructions for performing the item transfer method provided by embodiments of the present invention.
  • the completion of the hardware may also be performed by a program to instruct related hardware.
  • the program may be stored in a computer readable storage medium.
  • the storage medium mentioned above may be a read only memory, a magnetic disk or an optical disk.

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Abstract

La présente invention concerne un procédé de règlement et de compensation central, se rapportant au champ du traitement de données. Le système de règlement et de compensation central comprend : une base de données de transaction et une base de données de compensation; la base de données de transaction est utilisée pour stocker les sources de données de transaction, comprenant des données de réception; la base de données de compensation est utilisée pour stocker les données de compensation, et exécuter la compensation collective; le système comprend également : un système de rapprochement de compte, utilisé pour générer automatiquement des fichiers de rapprochement de compte sur la base des données dans la base de données de compensation; et un système de règlement, utilisé pour mettre en œuvre un règlement de fonds. La présente invention permet à un système de règlement et de compensation central, de faciliter la gestion uniforme de documents de rapprochement de compte et de règlement standardisé uniforme, d'améliorer l'efficacité du règlement, et de renforcer la capacité de traitement dans des circonstances anormales.
PCT/CN2016/078006 2016-03-31 2016-03-31 Procédé de règlement et de compensation central WO2017166174A1 (fr)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109670943A (zh) * 2018-12-17 2019-04-23 深圳乐信软件技术有限公司 一种结算系统、方法、计算机设备及存储介质
CN111782733A (zh) * 2020-07-22 2020-10-16 支付宝(杭州)信息技术有限公司 多级数据汇总的方法、分布式数据管理系统及汇总数据管理系统

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CN101226624A (zh) * 2008-02-15 2008-07-23 上海申通轨道交通研究咨询有限公司 轨道交通票务数据分级分类处理系统及其方法
CN102855580A (zh) * 2012-09-24 2013-01-02 深圳市国电科技通信有限公司 一种清分结算方法及系统

Patent Citations (2)

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Publication number Priority date Publication date Assignee Title
CN101226624A (zh) * 2008-02-15 2008-07-23 上海申通轨道交通研究咨询有限公司 轨道交通票务数据分级分类处理系统及其方法
CN102855580A (zh) * 2012-09-24 2013-01-02 深圳市国电科技通信有限公司 一种清分结算方法及系统

Cited By (3)

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Publication number Priority date Publication date Assignee Title
CN109670943A (zh) * 2018-12-17 2019-04-23 深圳乐信软件技术有限公司 一种结算系统、方法、计算机设备及存储介质
CN109670943B (zh) * 2018-12-17 2021-04-27 深圳乐信软件技术有限公司 一种结算系统、方法、计算机设备及存储介质
CN111782733A (zh) * 2020-07-22 2020-10-16 支付宝(杭州)信息技术有限公司 多级数据汇总的方法、分布式数据管理系统及汇总数据管理系统

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