WO2018121328A1

WO2018121328A1 - Multi-center file transfer processing method and apparatus

Info

Publication number: WO2018121328A1
Application number: PCT/CN2017/117025
Authority: WO
Inventors: 杨森; 陈林; 徐立伟; 张峻浩; 张飞
Original assignee: 中国银联股份有限公司
Priority date: 2016-12-27
Filing date: 2017-12-18
Publication date: 2018-07-05
Also published as: CN106803836A; CN106803836B

Abstract

A multi-center file transfer processing method and apparatus, used to realize unified sending and receiving of files between a regional exchange sub-center, a regional exchange main center and an intra-regional member institution in a multi-center bank card exchange system architecture. The present invention comprises: receiving a settlement file to be forwarded; acquiring a sender, a receiver and a file type of the settlement file to be forwarded; when the sender is a regional exchange sub-center, determining whether the file type is a local transaction-specific file, and if so, sending the settlement file to be forwarded to the receiver; when the sender is a regional exchange main center, determining whether the file type is a cross-regional transaction-specific file, and if so, sending the settlement file to be forwarded to the receiver. The present invention allows a settlement file or a transaction file to be smoothly forwarded between a member institution, a regional exchange sub-center and a regional exchange main center without modifying the member institution, regional exchange sub-center and regional exchange main center.

Description

Multi-center file forwarding processing method and device

The present application claims priority to Chinese Patent Application No. 201611229089.4, entitled "A Multi-Core File Forwarding Processing Method and Apparatus", filed on December 27, 2016, the entire contents of which are hereby incorporated by reference. In this application.

Technical field

The embodiments of the present invention relate to the field of communications technologies, and in particular, to a multi-center file forwarding processing method and apparatus.

Background technique

The existing bank card transfer clearing center generally has the linkage between the remote backup or the regional exchange sub-center, and the regional exchange sub-center transactions in the area generally require centralized clearing in the area. For example, with the development of the bank card industry and the financial system, most countries require local transactions to be transferred and cleared. The regional exchange sub-center is responsible for handling the local business of the regional business and serves as a bridge for cross-regional business.

For example, in the system architecture shown in FIG. 1, including a parent switching center and multiple switching sub-centers, the parent switching center only processes cross-border transactions, and the switching sub-center only processes local transactions within the area, and is accessed by the parent switching center. The clearing system is mainly used for the clearing of cross-border transactions. For the exchange sub-center, the clearing system for access is mainly used for the clearing of local transactions. Cross-border transactions occur between member institutions directly linked to the parent exchange sub-center.

If there is no regional exchange sub-center in an area, after the new regional exchange sub-center, the local clearing system in the area is constructed, and the member institutions in the area are uniformly connected. The local transactions occurring in the area are controlled by the regional exchange sub-center. Clearing by itself, cross-regional transactions are still liquidated by the regional exchange parent center. When the new member institution is an overseas institution, once the regional exchange sub-center is accessed, it is not expected to continue to access the area to exchange the parent center. Then cross-border transactions of overseas institutions need to be transferred to the regional exchange sub-center, but the regional exchange sub-center can only handle local transactions, and cannot transfer and clear the multi-center clearing documents in conjunction with other regional centers. Without changing the clearing of the regional exchange subcenter Under the premise of sending and receiving documents, how to forward and process the clearing documents of local transactions, cross-regional transactions or mixed transactions that occur in the new member institutions has become an urgent problem to be solved.

Ideally, it is more desirable for member institutions to distinguish between regional exchange sub-centers and regional exchange parent centers. Therefore, how to make the liquidation documents of new member institutions flow among institutions, regional exchange sub-centers and regional exchange parent centers becomes the key to the problem.

Summary of the invention

The invention provides a multi-center file forwarding processing method and device, which is used for realizing unified transmission and reception of transaction files and clearing files, thereby being compatible with a multi-center clearing system.

The embodiment of the invention provides a multi-center file forwarding processing method, including:

Receiving a clearing file to be forwarded;

Obtaining a sender, a receiver, and a file attribute of the to-be-forwarded clearing file;

When the sender is a regional exchange sub-center, determining whether the file attribute is a local transaction-specific clearing file, and if yes, sending the to-be-forwarded clearing file to the receiving party;

When the sender exchanges the parent center for the area, it is determined whether the file attribute is a cross-region transaction-specific clearing file, and if yes, the to-be-forwarded clearing file is sent to the receiving party.

Optionally, the file attribute is pre-configured as a local transaction exclusive clearing file, a cross-region transaction exclusive clearing file, and a mixed transaction exclusive clearing file;

Obtaining the file attributes of the to-be-forwarded clearing file, including:

Obtaining a file name of the clearing file to be forwarded;

Determining, according to the file name, the file attribute, wherein the file name is pre-configured as a clearing file name unique to a local transaction, a clearing file name of a cross-region transaction exclusive, and a clearing file name unique to the mixed transaction, A mixed transaction is a transaction between a local agency and an overseas institution.

Optionally, the method further includes:

When the sender is a regional exchange sub-center, if it is determined that the file attribute is a mixed transaction-specific clearing file, the to-be-forwarded clearing file is marked as being to be merged from the regional exchange sub-center Clearing documents; or,

When the sender is a regional exchange parent center, if it is determined that the file attribute is a mixed transaction exclusive clearing file, the to-be-forwarded clearing file is marked as a clearing file to be merged from the regional exchange parent center.

Further, after marking the to-be-forwarded clearing file as a clearing file to be merged from the regional exchange sub-center, or marking the to-be-forwarded clearing file as a clearing file to be merged from the regional exchange parent center, the method further include:

Finding whether there is a clearing file to be merged from the regional exchange subcenter and the file name from the regional exchange parent center respectively;

If yes, the found clearing files to be merged are merged, and the merged clearing file is sent to the receiving party.

Optionally, the method further includes:

Receiving a transaction file to be forwarded including a plurality of transaction records;

Obtain and identify the bank card ID recorded in each transaction record;

Separating the to-be-forwarded transaction file into a local transaction file and a cross-region transaction file according to the bank card identifier respectively recorded by the plurality of transaction records;

Sending the local transaction file to the regional exchange sub-center, and transmitting the cross-region transaction file to the regional exchange parent center.

Further, according to the bank card identifier respectively recorded by the plurality of transaction records, the to-be-forwarded transaction file is split into a local transaction file and an inter-regional transaction file, including:

For any transaction record, find the bank card identifier of the transaction record in the local bank card identification database;

If present, the transaction record is written to the local transaction file; if not, the transaction record is written to the inter-regional transaction file.

An embodiment of the present invention provides a multi-center file forwarding processing apparatus, including:

a receiving unit, configured to receive a clearing file to be forwarded;

a processing unit, configured to acquire a sender, a receiver, and a file attribute of the to-be-forwarded clearing file;

When the sender is a regional exchange sub-center, determining whether the file attribute is a local transaction-specific clearing file, and if yes, sending, by the sending unit, the to-be-forwarded clearing file to the receiving party;

When the sender exchanges the parent center for the area, it is determined whether the file attribute is a cross-region transaction-specific clearing file, and if yes, the to-be-forwarded clearing file is sent to the receiving party by the sending unit.

The processing unit is configured to: obtain a file name of the to-be-forwarded clearing file, and determine the file attribute according to the file name;

Wherein, the file name is pre-configured as a clearing file name unique to the local transaction, a clearing file name unique to the cross-region transaction, and a clearing file name exclusive to the mixed transaction, wherein the mixed transaction means that both sides of the transaction are local institutions and Trading by overseas institutions.

Optionally, the processing unit is further configured to:

When the sender is a regional exchange sub-center, if it is determined that the file attribute is a mixed transaction-specific clearing file, the to-be-forwarded clearing file is marked as a clearing file to be merged from the regional exchange sub-center; or

Further, after the processing unit marks the to-be-forwarded clearing file as a clearing file to be merged from the regional exchange sub-center, or marks the to-be-forwarded clearing file as a clearing file to be merged from the regional exchange parent center, Also used for:

If yes, the found clearing files to be merged are merged, and the merged clearing file is sent to the receiving party by the sending unit.

Optionally, the method further includes:

The receiving unit is further configured to receive a transaction file to be forwarded that includes multiple transaction records;

The processing unit is further configured to acquire and identify a bank card identifier recorded in each transaction record; and divide the transaction file to be forwarded into local transaction files and crosses according to the bank card identifier respectively recorded by the plurality of transaction records And transmitting, by the sending unit, the local transaction file to the regional exchange sub-center, and transmitting, by the sending unit, the cross-region transaction file to the regional exchange parent center.

Further, the processing unit is specifically configured to:

In the embodiment of the present invention, when the member institution, the regional exchange sub-center, and the regional exchange parent center are not modified, a unified functional interface can be provided for the multi-center and member institutions in the system architecture, and the multi-center clearing file can be transmitted and received. Uniform encapsulation, so that all transaction files occurring in the area can be accurately sent to the corresponding regional exchange sub-center or regional exchange parent center, so that the clearing files issued by the regional exchange sub-center or regional exchange parent center can be smoothly forwarded. To the corresponding member institutions (including local institutions and overseas institutions of the exchange area sub-centers), thereby accelerating the construction of new regional exchange sub-centers and accelerating the process of business migration of overseas institutions.

An embodiment of the present application further provides an electronic device, including: at least one processor, a transceiver, and a memory communicatively coupled to the at least one processor; wherein the memory is stored for execution by the at least one processor And the instructions are executed by the at least one processor to enable the at least one processor to perform the multi-center file forwarding processing method of the embodiment of the present application.

The embodiment of the present application further provides a non-transitory computer storage medium storing computer executable instructions for causing the computer to perform the implementation of the present application. Example of a multi-center file forwarding processing method.

The embodiment of the present application further provides a computer program product, where the computer program product includes a computing program stored on a non-transitory computer readable storage medium, the computer program comprising the computer executable instructions, when the computer executable instructions are executed by a computer, causing the computer to perform many of the embodiments of the present application Central file forwarding processing method.

Through the above-mentioned multi-center file forwarding system, without modifying the member institutions, the regional exchange sub-centers, and the regional exchange parent center, a unified functional interface can be provided for the multi-center and member institutions in the system architecture, and multi-center clearing can be realized. The uniform encapsulation of the file is sent to the corresponding regional exchange sub-center or regional exchange parent center, so that the clearing files issued by the regional exchange sub-center or the regional exchange parent center can be smoothed. It is forwarded to the corresponding member institutions (including the local institutions and overseas institutions of the network exchange sub-center), thereby accelerating the construction of new regional exchange sub-centers and accelerating the process of business migration of overseas institutions.

DRAWINGS

FIG. 1 is a schematic diagram of a multi-center bank card service switching system according to an embodiment of the present invention;

2 is a schematic flowchart of a multi-center file forwarding method according to an embodiment of the present invention;

3 is a schematic flowchart of a multi-center file forwarding method according to an embodiment of the present invention;

4 is a schematic flowchart of a multi-center file forwarding method according to an embodiment of the present invention;

FIG. 5 is a schematic flowchart of a multi-center file forwarding method according to an embodiment of the present disclosure;

FIG. 6 is a schematic structural diagram of a multi-center file forwarding device according to an embodiment of the present invention;

FIG. 7 is a schematic structural diagram of a multi-center file forwarding system according to an embodiment of the present invention;

FIG. 8 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

detailed description

The preferred embodiments of the present invention will be described in conjunction with the accompanying drawings in the accompanying drawings. The invention is not intended to limit the invention. And in the case of no conflict, the embodiments in the present application and the features in the embodiments can be combined with each other.

The method provided by the invention is suitable for landing in the center of the required area, but in other areas Multi-center clearing documents for heart-linking, such as cross-border bank card clearing systems with overseas local transactions.

The inventors of the present invention have found that in order to speed up the construction of new regional exchange sub-centers and accelerate the process of business migration of overseas institutions, it is necessary to provide a unified functional interface for multi-centers and member institutions within the system architecture, which can be Based on the transformation of the regional exchange sub-center and the regional exchange parent center, all transaction files of local transactions, trans-regional transactions or mixed transactions occurring in the region can be accurately sent to the corresponding regional exchange sub-center or regional exchange parent. The clearing documents issued by the center and the regional exchange sub-center or the regional exchange parent center can be accurately forwarded to the corresponding member institutions (including the local institutions and overseas institutions of the network exchange area). Under such application requirements, the present invention provides a file forwarding method to adapt to the application requirements, and can realize unified encapsulation of multi-center clearing file sending and receiving, so that clearing files or transaction files are exchanged in member institutions, regional exchange sub-centers, and regional exchange parents. Smooth forwarding between centers.

Among them, providing a unified functional interface for the multi-center and member institutions in the system architecture means that the function interfaces of the file transceiving are the same for the overseas institutions of the switching sub-center of the network access area or the local institutions within the area. For all regional exchange sub-centers, the functional interfaces for file transceiving are the same. For the area exchange parent center, the function interface for file transceiving does not change. For each regional exchange sub-center, there is no need to transform the original local clearing system for the business migration needs of the newly-incorporated overseas institutions. For the regional exchange parent center, the original cross-region clearing system does not need to be modified.

Based on the inventive concept of the present invention, as shown in FIG. 2, an embodiment of the present invention provides a multi-center file forwarding processing method, which is executed by a multi-center file forwarding system, and the method flow thereof mainly includes:

Step 201: Receive a clearing file to be forwarded;

Step 202: Acquire a sender, a receiver, and a file attribute of the clearing file to be forwarded;

Step 203: When the sender is a regional exchange sub-center, determine whether the file attribute is a local transaction-specific file, and if yes, send the to-be-forwarded clearing file to the receiver; when the sender exchanges the parent center for the area, determine whether the file attribute is Trans-regional transaction-specific documents, if yes, send the pending clearing file to the recipient.

For the above method flow, the sender and receiver of the forwarding clearing file are described as follows:

According to multiple switching service scenarios, the sender of the clearing file to be forwarded may be a regional switching sub-center or a regional switching parent center.

The regional exchange sub-center is a sub-center of the exchange service in the processing area in each area deployed. The regional exchange sub-center is only responsible for the liquidation of the local part of the intra-regional transactions and the issuance of clearing documents.

The regional exchange parent center is a total exchange service processing center that is mainly responsible for coordinating and centrally processing the services between the exchange sub-centers of each area. The regional exchange parent center is only responsible for the liquidation of cross-regional transactions and the issuance of clearing documents.

The organization within the area where the regional exchange sub-center is located, including local institutions within the region and overseas institutions within the region.

According to various exchange business scenarios, the service types are mainly divided into three types. If both parties to a transaction are local institutions within the region, the transaction is referred to as a local transaction (also known as an exclusive local transaction). If the transaction is a local institution within the region and an overseas institution within the region, the transaction is called a hybrid transaction. If both parties to a transaction are overseas and at least one of them is an overseas institution within the region, the transaction is referred to as a cross-regional transaction (also known as a proprietary cross-regional transaction).

For overseas institutions in the region, there are two types of transactions, exclusive cross-regional transactions and mixed transactions. Overseas institutions may have cross-regional transactions within the regional exchange sub-centers, and mixed transactions may occur.

For local institutions in the region, the transaction type is configured into two types, exclusive local transactions and mixed transactions. Overseas institutions may have cross-regional transactions within the regional exchange sub-centers, and mixed transactions may occur.

For the regional exchange sub-center, the local part of the intra-regional transaction refers to the local part of the local transaction and the mixed transaction, and the local clearing system of the regional exchange sub-center only processes the clearing of the local part of the intra-regional transaction, ie the regional exchange sub-center and Local institutions that specialize in local transactions and mixed transactions are liquidated.

For the regional exchange parent center, the regional exchange parent center's cross-region clearing system only handles overseas The liquidation of an institution, that is, the regional exchange of the parent center and the overseas organization of exclusive cross-regional transactions and mixed transactions for liquidation.

Therefore, according to a plurality of exchange service scenarios, the recipient of the clearing file to be forwarded may be a local institution in the area or an overseas institution in the area.

If the to-be-forwarded clearing file is issued by the regional exchange sub-center, the recipient of the clearing file to be forwarded is the local institution in the area or the overseas institution in the area.

If the to-be-forwarded clearing file is issued by the regional exchange parent, the recipient of the clearing file to be forwarded is the overseas institution in the area.

In order to ensure that the to-be-cleared file or the transaction file is smoothly forwarded between the regional exchange parent center, the regional exchange sub-center, and the member institution (the local organization in the area and the overseas organization in the area), the embodiment of the present invention provides a multi-center file forwarding. The system can establish a file transceiver channel with the regional exchange sub-center, the regional exchange parent center, and the member institutions in the area.

For the area exchange parent center, the area exchange sub-center, and the member organizations, you only need to reconfigure the IP address sent and received by the file to establish a file transceiver channel with the multi-center file forwarding system. For a multi-center file forwarding system, you only need to pre-configure the regional exchange sub-center, the regional exchange parent center, and the IP addresses of the member organizations in the area to establish files for the regional exchange sub-center, the regional exchange parent center, and the member institutions in the area. Transceiver channel.

In order to smoothly deliver the clearing documents from different centers to the member institutions in the area, the multi-center file forwarding system configures the file attributes for the files sent to the member institutions.

Specifically, the file attributes of the documents issued to the member institutions are pre-configured into three types: local transaction exclusive clearing documents, inter-regional transaction clearing files, and mixed transaction exclusive clearing files. Among them, these three files are distinguished by file names.

That is, the file name of the local transaction exclusive clearing file is pre-configured as the clearing file name of the local transaction exclusive, and the file name of the exclusive clearing file of the cross-region transaction is pre-configured as the clearing file name of the exclusive transaction of the cross-region transaction, and the file of the exclusive clearing file of the mixed transaction. The name is pre-configured as the name of the clearing file file for the mixed transaction. In this way, when the file forwarding system receives the clearing file issued from the regional exchange parent center or the regional exchange sub-center, it can be determined only according to the file name of the received clearing file. The file name and file attributes of the file sent to the member institution.

For example, for the same mixed transaction, the file name of the clearing file issued by the regional exchange parent center and the regional exchange sub-center is: IFD******01ACOM. For a local transaction, the file name of the clearing file issued by the regional exchange sub-center is TIFD******01ACOM. For a cross-regional transaction, the file name of the clearing file issued by the regional exchange parent center is @@@@@@@@.tar.Z. Generally speaking, the file name of the clearing file exclusive to the trans-regional transaction is based on the overseas institution. The cross-regional needs are personalized. The above file names are only simple examples.

Optionally, in order to avoid a service conflict, the file name of the file delivered by the area exchange sub-center and the area exchange parent center is the same as the file name of the file sent by the multi-center file forwarding system to the member institution. In order to avoid file replacement, the clearing files received from the regional exchange subcenter and the regional exchange parent center and the clearing files sent to the member institutions are stored in different directories.

Optionally, in addition to the above method flow, the following steps are also included:

When the sender is a regional exchange sub-center, if it is determined that the file attribute is a mixed transaction-specific clearing file, the to-be-forwarded clearing file is marked as a clearing file to be merged from the regional exchange sub-center; and whether the existence exists from the regional exchange sub-center and The clearing file to be merged with the same file name from the regional exchange parent center; if it exists, the found clearing files to be merged are merged, and the merged clearing file is sent to the receiving party.

When the sender exchanges the parent center for the area, if it is determined that the file attribute is a mixed transaction exclusive clearing file, the pending clearing file is marked as the clearing file to be merged from the regional exchange parent center.

If it exists, the found clearing documents to be merged are merged, and the merged clearing file is sent to the receiving party.

In order to avoid the business conflict, the file name of the clearing file sent by the received regional exchange sub-center and the regional exchange parent center before the merged clearing file is merged, and the merged clearing issued by the multi-center file forwarding system to the member institutions The file name of the file is the same. In order to avoid file replacement, the pending clearing file and the merged clearing file are stored in different directories.

The following describes the forwarding logic of the clearing file sent by the multi-center file forwarding system to the regional switching sub-center and the regional switching parent center to the member institutions in the area, as follows:

Step 301: Receive a new clearing file to be forwarded, where the forwarding clearing file carries the identifier information of the sender, and the identifier information of the receiver, such as the IP information of the sender, and the IP information of the receiver.

Step 302: Determine, according to the identifier information of the sender, whether the sender of the clearing file to be forwarded is a regional exchange sub-center or a regional exchange parent center.

If the sender of the clearing file to be forwarded is a regional switching sub-center, go to step 303.

If the sender of the clearing file to be forwarded is the area exchange parent center, step 304 is performed;

Step 303: Determine whether the to-be-forwarded clearing file is a local transaction-specific clearing file.

If it is a local transaction exclusive clearing file in the area, go to step 305.

If not, it is the intra-regional mixed transaction exclusive clearing file, and step 306 is performed.

Step 305: Forward the to-be-forwarded clearing file to the receiver directly according to the identifier information of the receiver. At this time, the receiver is a local institution in the area.

Step 306: Mark the to-be-forwarded clearing file as the clearing file to be merged from the regional exchange sub-center, and check the file name of each clearing file to be merged one by one according to the file name of the clearing file to be forwarded, and proceed to step 307. ,

In step 307, it is determined whether there is a clearing file to be merged from the regional exchange parent center, and if yes, go to step 311. If not, return to step 306 to continue the loop waiting.

Step 304: Determine whether the to-be-forwarded clearing file is a cross-regional transaction-specific clearing file.

If the intra-regional cross-region transaction exclusive clearing file is executed, step 308 is performed.

If not, it is the exclusive clearing file for the inter-regional mixed transaction, and step 309 is performed.

Step 308: Forward the to-be-forwarded clearing file to the receiver directly according to the identifier information of the receiver. At this time, the receiver is an overseas institution in the area.

Step 309: Mark the to-be-transferred clearing file as the clearing file to be merged from the regional exchange parent center, and check the file name of each clearing file to be merged one by one according to the file name of the clearing file to be forwarded, and proceed to step 310. ;

Step 310: Determine whether there is a file name that is the same, and the to-be-consolidated from the regional exchange sub-center The calculation file, if yes, proceeds to step 311, and if not, returns to step 309 to continue the loop waiting.

Step 311: Combine the to-be-consolidated clearing files from the regional exchange sub-center and the to-be-consolidated clearing files from the regional exchange parent center, and the file names of the merged clearing files are the same as the file names before the merge. Then proceeds to step 312;

Step 312: Forward the merged clearing file to the receiver according to the identifier information of the receiver. At this time, the receiver is a local institution or an overseas institution in the area.

According to the above method flow, the multi-center file forwarding system of the present invention can smoothly forward the documents delivered from the regional exchange parent center or the regional exchange sub-center to the member institutions in the area.

In addition to being responsible for the issuance of the clearing file, the multi-center file forwarding system can also upload the transaction files of the member institutions to the regional exchange parent center and the regional exchange sub-center based on the file exchange channel with the regional exchange sub-center, the regional exchange parent center, and the member institution.

In general, the documents uploaded by member institutions are mixed documents of local transactions and cross-regional transactions, so as to avoid the difficulty or even the inability of the organization to distinguish whether the transactions are local transactions or cross-regional transactions.

The multi-center file forwarding system uploads the transaction files of the member institutions to the regional exchange parent center and the regional exchange sub-center, as shown in FIG. 4, including:

Step 401: Receive a transaction file to be forwarded that includes multiple transaction records.

Step 402: Obtain a bank card identifier recorded in each transaction record;

Step 403: split the transaction file to be forwarded into a local transaction file and a cross-region transaction file according to the bank card identifier respectively recorded by the plurality of transaction records;

In step 404, the local transaction file is sent to the regional exchange sub-center, and the cross-region transaction file is sent to the regional exchange parent center.

The step 403 specifically includes: searching for a bank card identifier of the transaction record in the local bank card identification database for any one transaction record; if present, writing the transaction record to the local transaction file; if not, Write the transaction record to the cross-region transaction file.

The bank card identifier recorded in the transaction record is the bank card BIN of the card issuer in the transaction. Usually the card BIN is the first 6 digits of a bank card number to distinguish different bank cards. Correct For the local institution in the area, when the sub-center is exchanged in the network access area, if the local institution is the card issuer, the card BIN of the bank card will be registered in the regional sub-center, and the card BIN of the card issuer will be stored in the regional exchange sub-center. The local bank card identification database, and the multi-center file forwarding system of the present invention is set under the main system of the regional exchange sub-center, and can call the card BIN data in the local bank card identification database of the regional exchange sub-center at any time, and then execute the transaction file. Split.

In order to avoid business conflicts, before the transaction file to be forwarded is split, the file name sent by the member institution received is the same as the file name of the transaction file sent by the multi-center file forwarding system to the regional exchange sub-center and the regional exchange parent center. The file name of the previously forwarded transaction file is the same as the file name of the split local transaction file and the interregional transaction file. In order to avoid file replacement, the transaction file to be forwarded before splitting and the split local transaction file and cross-region transaction file are stored in different directories.

The following describes the forwarding logic of the transaction file uploaded by the multi-center file forwarding system to the regional switching sub-center or the regional switching parent center in conjunction with the flowchart shown in FIG. 5, as follows:

Step 501: Receive a transaction file to be forwarded, and the transaction file to be forwarded includes a plurality of transaction records, and the transaction in the transaction record may be any two or three of a local transaction, a cross-region transaction, and a mixed transaction. The transaction file to be forwarded carries the identification information of the sender, such as the IP information of the sender, wherein the sender here is a local institution or an overseas institution in the area.

Step 502, analyzing each transaction record of the uploaded transaction file one by one, split into different files, each step is performed after step 503, wherein each transaction record is analyzed, step 504 is performed;

Step 504: Acquire a card BIN in each transaction record, and determine whether a card BIN corresponding to the record exists in the area exchange sub-center;

If the card BIN corresponding to the record exists in the area exchange sub-center, step 505 is performed, if the card BIN corresponding to the record does not exist in the area exchange sub-center, step 506 is performed;

Step 505, the record is written into the local transaction file, and proceeds to step 502;

Step 506, the record is written into the cross-region transaction file, and proceeds to step 502;

In step 503, it is determined whether the analysis and splitting of all the transaction records are completed. If yes, step 507 is performed, and if no, the process proceeds to step 504.

Step 507: Send the split local transaction file to the regional exchange sub-center, and send the disconnected cross-region transaction file to the regional exchange parent center.

According to the above method flow, the multi-center file forwarding system of the present invention can smoothly forward the uploaded files from the member institutions in the area to the regional exchange parent center or the regional exchange sub-center.

Through the above method flow, without modifying the member institution, the regional exchange sub-center, and the regional exchange parent center, a unified functional interface can be provided for the multi-center and member institutions in the system architecture, and the multi-center clearing file can be transmitted and received. Uniform encapsulation, so that all transaction files generated in the area can be accurately sent to the corresponding regional exchange sub-center or regional exchange parent center, so that the clearing documents issued by the regional exchange sub-center or regional exchange parent center can be smoothly forwarded to Corresponding member institutions (including local institutions and overseas institutions of the exchange area sub-centers), thereby accelerating the construction of new regional exchange sub-centers and accelerating the process of business migration of overseas institutions.

Based on the foregoing method flow, the embodiment of the present invention provides a multi-center file forwarding device, which is applied in the multi-center file forwarding system provided by the present invention.

As shown in FIG. 6, an embodiment of the present invention provides a multi-center file forwarding device 600, including:

The receiving unit 601 is configured to receive a clearing file to be forwarded;

The processing unit 602 is configured to obtain a sender, a receiver, and a file attribute of the clearing file to be forwarded;

When the sender is a regional exchange sub-center, it is determined whether the file attribute is a local transaction-specific clearing file, and if so, the clearing file to be forwarded is sent to the receiving party by the sending unit 603;

When the sender exchanges the parent center for the area, it is determined whether the file attribute is a cross-region transaction-specific clearing file, and if so, the clearing file to be forwarded is sent to the receiving party by the sending unit 603.

Optionally, the file attributes are pre-configured as a local transaction-specific clearing file, a cross-regional transaction-specific clearing file, and a mixed-transaction-specific clearing file;

The processing unit 602 is configured to: obtain a file name of the clearing file to be forwarded, and determine a file attribute according to the file name;

Among them, the file name is pre-configured as the name of the clearing file file exclusive to the local transaction, the name of the clearing file file exclusive to the cross-region transaction and the file name of the clearing file exclusive to the mixed transaction, and the mixed transaction means the transaction The two parties are the transactions of local institutions and overseas institutions.

Optionally, the processing unit 602 is further configured to:

Further, the processing unit, after marking the to-be-forwarded clearing file as the clearing file to be merged from the regional exchange sub-center, or marking the to-be-forwarded clearing file as the clearing file to be merged from the regional exchange parent center, is further used for:

If yes, the found clearing files to be merged are merged, and the merged clearing file is sent to the receiving party by the sending unit 603.

Optionally, the receiving unit 601 is further configured to receive a to-be-forwarded transaction file that includes multiple transaction records;

The processing unit 602 is further configured to obtain the bank card identifier recorded in each transaction record; and divide the transaction file to be forwarded into a local transaction file and a cross-region transaction file according to the bank card identifier respectively recorded by the plurality of transaction records; The local transaction file is transmitted to the regional exchange sub-center through the transmitting unit, and the inter-regional transaction file is transmitted to the regional exchange parent center through the transmitting unit 603.

Further, the processing unit 602 is specifically configured to:

If it exists, the transaction record is written into the local transaction file; if it does not exist, the transaction record is written into the cross-region transaction file.

The multi-center file forwarding device 600 can provide a unified functional interface for multi-center and member organizations in the system architecture without modifying the member institution, the regional exchange sub-center, and the regional exchange parent center, and can implement multi-center Uniform encapsulation of clearing and receiving documents, making it in the district All the transaction files that are generated in the domain can be accurately sent to the corresponding regional exchange sub-center or the regional exchange parent center, so that the clearing documents issued by the regional exchange sub-center or the regional exchange parent can be smoothly forwarded to the corresponding member institutions (including The local institutions and overseas institutions of the sub-network exchange sub-centers will accelerate the construction of new regional exchange sub-centers and accelerate the process of business relocation of overseas institutions.

Based on the foregoing multi-center file forwarding device, an embodiment of the present invention provides an optional multi-center file forwarding system, which is disposed under the system of each regional switching sub-center of the multi-center bank card switching system architecture shown in FIG. As shown in FIG. 7, it mainly includes a file receiving function module, a file splitting function module, a file combining function module, and a file sending function module. The file receiving function module is equivalent to the receiving unit 601 in the above embodiment, and the file splitting function module and the file combining function module are equivalent to the processing unit 602 in the above embodiment, and the file sending function module is equivalent to the sending in the above embodiment. Unit 603. The functions of these four functional modules in the multi-center file forwarding system are as follows:

The file receiving function module is mainly responsible for receiving a file sending request from a regional exchange sub-center or a regional exchange parent center and a local member institution. According to the file sender and file attributes, if the file comes from the local organization, the file is processed by the file splitting module; if the file comes from the regional exchange sub-center or the regional exchange parent center, and the file is a mixed transaction clearing in the area If the file is filed, the file is processed by the file merge module, otherwise it is directly forwarded by the file sending module.

The file split function module mainly splits the files from the local organization, and transfers the split local transaction files and the cross-region transaction files to the file exchange module and the regional exchange parent center respectively.

The file merging function module mainly combines the mixed clearing files from the regional exchange sub-center or the regional exchange parent center, and forwards the merged mixed clearing file to the member sending organization in the area, including the local area in the area. Institutions and overseas institutions within the region.

The file sending module sends the file directly to the domain switching sub-center or the regional switching parent center and the member institutions in the area according to the file forwarding request from the file receiving function module, the file splitting function module, and the file combining function module.

Through the multi-center file forwarding system described above, the multi-center and member institutions within the system architecture can be proposed without modifying the member institutions, the regional exchange sub-centers, and the regional exchange parent center. A unified functional interface can realize unified encapsulation of multi-center clearing file transmission and reception, so that all transaction files occurring in the area can be accurately sent to the corresponding regional exchange sub-center or regional exchange parent center, so that the regional exchange sub-center or The clearing documents issued by the regional exchange parent center can be smoothly forwarded to the corresponding member institutions (including the local institutions and overseas institutions of the network exchange sub-center), thereby accelerating the construction of new regional exchange sub-centers and accelerating the overseas business migration. Process.

The embodiment of the present application further provides an electronic device, as shown in FIG. 8, comprising: at least one processor 810; a transceiver 800; and a memory 820 communicatively coupled to the at least one processor 810;

One or more processors 810 and memory 820, one processor 810 is taken as an example in FIG.

The electronic device of the interface display method of the electronic device may further include: a transceiver 800, an input device 830, and an output device 840.

The transceiver 800, the processor 810, the memory 820, the input device 830, and the output device 840 may be connected by a bus or other means, as exemplified by a bus connection in FIG.

The memory 820 is a non-volatile computer readable storage medium, and can be used for storing non-volatile software programs, non-volatile computer executable programs, and modules, such as the multi-center file forwarding processing method provided in the embodiments of the present application. Corresponding program instructions/modules (for example, receiving unit 601, processing unit 602, transmitting unit 603 shown in FIG. 6). The processor 810 executes various functional applications and data processing of the server by executing non-volatile software programs, instructions, and modules stored in the memory 820, that is, implementing the multi-center file forwarding processing method in the above embodiment.

The memory 820 may include a storage program area and an storage data area, wherein the storage program area may store an operating system, an application required for at least one function; the storage data area may store data created according to usage of the multi-center file forwarding processing device, and the like. . Moreover, memory 820 can include high speed random access memory 820, and can also include non-volatile memory 820, such as at least one disk storage 820 device, flash memory device, or other non-volatile solid state memory 820 device. In some embodiments, memory 820 can optionally include memory 820 remotely disposed relative to processor 810, which can be coupled to the processing device of the multi-center file forwarding processing method over a network. Examples of such networks include, but are not limited to, the Internet, intranets, local area networks, mobile communication networks, and combinations thereof.

Input device 830 can receive input numeric or character information and generate key signal inputs related to user settings and function controls of the electronic device. The output device 840 can include a display device such as a display screen.

One or more modules are stored in memory 820, and when executed by one or more processors 810, perform the multi-center file forwarding processing method provided in any of the method embodiments described above.

Specifically, the transceiver 800 is configured to receive a clearing file to be forwarded; the processor 810 is configured to: obtain a sender, a receiver, and a file attribute of the clearing file to be forwarded; Determining whether the file attribute is a local transaction-specific clearing file, if yes, sending the to-be-forwarded clearing file to the receiving party by the sending unit; determining the file when the sending party is a regional exchange parent center Whether the attribute is a cross-region transaction-specific clearing file, and if so, the clearing file to be forwarded is sent to the receiving party by the sending unit.

Optionally, the file attribute is pre-configured as a local transaction-specific clearing file, a cross-region transaction-specific clearing file, and a mixed-transaction-specific clearing file; the processor 810 can: obtain the file name of the clearing file to be forwarded, according to the Defining the file attribute, wherein the file name is pre-configured as a clearing file name unique to the local transaction, a clearing file name of the exclusive transaction of the cross-region transaction, and a clearing file name of the mixed transaction exclusive, the mixed transaction It means that the two sides of the transaction are transactions between local institutions and overseas institutions.

Optionally, the processor 810 is further configured to: when the sender is a regional exchange sub-center, if the file attribute is determined to be a hybrid transaction-specific clearing file, mark the to-be-forwarded clearing file as being from a regional exchange The clearing file to be merged in the subcenter; or, when the sender is the regional exchange parent center, if it is determined that the file attribute is a mixed transaction exclusive clearing file, the clearing file to be forwarded is marked as being from the regional exchange parent center The pending clearing documents.

Optionally, the processor 810 is further configured to: mark the to-be-forwarded clearing file as a clearing file to be merged from the regional exchange sub-center, or mark the to-be-forwarded clearing file as a candidate from the regional exchange parent center After the clearing file is merged, it is found whether there are clearing files to be merged from the regional exchange sub-center and the file name from the regional exchange parent center respectively; if yes, the found clearing files to be merged are merged and passed through the sending unit The merged clearing file will be sent Send to the recipient.

Optionally, the transceiver 800 is further configured to receive a transaction file to be forwarded that includes multiple transaction records; the processor is further configured to: obtain and identify a bank card identifier recorded in each transaction record; Transmitting, by the sending unit, the local transaction file to the regional exchange sub-center, The sending unit sends the cross-region transaction file to the regional exchange parent center.

Optionally, the processor 810 is configured to: find, for any one transaction record, whether a bank card identifier of the transaction record exists in the local bank card identification database; if yes, write the transaction record to the local transaction file. If there is no such, the transaction record is written into the cross-region transaction file.

The electronic device of the embodiment of the present application exists in various forms, including but not limited to:

(1) Mobile communication devices: These devices are characterized by mobile communication functions and are mainly aimed at providing voice and data communication. Such terminals include: smart phones (such as iPhone), multimedia phones, functional phones, and low-end phones.

(2) Ultra-mobile personal computer equipment: This type of equipment belongs to the category of personal computers, has computing and processing functions, and generally has mobile Internet access. Such terminals include: PDAs, MIDs, and UMPC devices, such as the iPad.

(3) Portable entertainment devices: These devices can display and play multimedia content. Such devices include: audio, video players (such as iPod), handheld game consoles, e-books, and smart toys and portable car navigation devices.

(4) Other electronic devices with data interaction functions.

Through the above-mentioned multi-center file forwarding system, without modifying the member institutions, the regional exchange sub-centers, and the regional exchange parent center, a unified functional interface can be provided for the multi-center and member institutions in the system architecture, and multi-center clearing can be realized. The uniform encapsulation of the file is sent to the corresponding regional exchange sub-center or regional exchange parent center, so that the clearing files issued by the regional exchange sub-center or the regional exchange parent center can be smoothed. Turn It is sent to the corresponding member institutions (including the local institutions and overseas institutions of the network exchange sub-center), thereby accelerating the construction of new regional exchange sub-centers and accelerating the process of business migration of overseas institutions.

Based on the same inventive concept, the present application provides a non-transitory computer storage medium storing computer-executable instructions for causing the computer to perform the above A multi-center file forwarding processing method in any of the embodiments.

Based on the same inventive concept, the present application provides a computer program product comprising a computing program stored on a non-transitory computer readable storage medium, the computer program comprising the computer executable instructions When the computer executable instructions are executed by a computer, the computer is caused to perform the multi-center file forwarding processing method of any of the above embodiments.

The device embodiments described above are merely illustrative, wherein the units described as separate components may or may not be physically separate, and the components displayed as units may or may not be physical units, ie may be located A place, or it can be distributed to multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the embodiment. Those of ordinary skill in the art can understand and implement without deliberate labor.

Through the description of the above embodiments, those skilled in the art can clearly understand that the various embodiments can be implemented by means of software plus a necessary general hardware platform, and of course, by hardware. Based on such understanding, the above-described technical solutions may be embodied in the form of software products in essence or in the form of software products, which may be stored in a computer readable storage medium such as ROM/RAM, magnetic Discs, discs, etc., include instructions for causing a computer device (which may be a personal computer, server, or network device, etc.) to perform the methods described in various embodiments or portions of the embodiments.

Finally, it should be noted that the above embodiments are only used to explain the technical solutions of the present application, and are not limited thereto; although the present application is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that they can still The technical solutions described in the foregoing embodiments are modified, or the equivalents of the technical features are replaced by the equivalents. The modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present application.

Claims

A multi-center file forwarding processing method is applied to an electronic device, and includes:

Receiving a clearing file to be forwarded;

Obtaining a sender, a receiver, and a file attribute of the to-be-forwarded clearing file;

When the sender is a regional exchange sub-center, determining whether the file attribute is a local transaction-specific clearing file, and if yes, sending the to-be-forwarded clearing file to the receiving party;

When the sender exchanges the parent center for the area, it is determined whether the file attribute is a cross-region transaction-specific clearing file, and if yes, the to-be-forwarded clearing file is sent to the receiving party.
The method of claim 1 wherein said file attributes are pre-configured as local transaction-specific clearing documents, trans-regional transactional clearing documents and hybrid transaction-specific clearing documents;

Obtaining the file attributes of the to-be-forwarded clearing file, including:

Obtaining a file name of the clearing file to be forwarded;

Determining, according to the file name, the file attribute, wherein the file name is pre-configured as a clearing file name unique to a local transaction, a clearing file name of a cross-region transaction exclusive, and a clearing file name unique to the mixed transaction, A mixed transaction is a transaction between a local agency and an overseas institution.
The method of claim 2, wherein the method further comprises:

When the sender is a regional exchange sub-center, if it is determined that the file attribute is a mixed transaction-specific clearing file, the to-be-forwarded clearing file is marked as a clearing file to be merged from the regional exchange sub-center; or

When the sender is a regional exchange parent center, if it is determined that the file attribute is a mixed transaction exclusive clearing file, the to-be-forwarded clearing file is marked as a clearing file to be merged from the regional exchange parent center.
The method according to claim 3, wherein the clearing file to be forwarded is marked as a clearing file to be merged from the regional exchange subcenter, or the clearing file to be forwarded is marked as being from a regional exchange parent center After the liquidation file is to be merged, the method further includes:

Finding whether there is a clearing file to be merged from the regional exchange subcenter and the file name from the regional exchange parent center respectively;

If yes, the found clearing files to be merged are merged, and the merged clearing file is sent to the receiving party.
The method of any of claims 1 to 4, further comprising:

Receiving a transaction file to be forwarded including a plurality of transaction records;

Obtain and identify the bank card ID recorded in each transaction record;

Separating the to-be-forwarded transaction file into a local transaction file and a cross-region transaction file according to the bank card identifier respectively recorded by the plurality of transaction records;

Sending the local transaction file to the regional exchange sub-center, and transmitting the cross-region transaction file to the regional exchange parent center.
The method of claim 5, wherein the transaction file to be forwarded is split into a local transaction file and a cross-region transaction file according to the bank card identifier respectively recorded by the plurality of transaction records, including:

For any transaction record, find the bank card identifier of the transaction record in the local bank card identification database;

If present, the transaction record is written to the local transaction file; if not, the transaction record is written to the inter-regional transaction file.
A multi-center file forwarding processing device, comprising:

a receiving unit, configured to receive a clearing file to be forwarded;

a processing unit, configured to acquire a sender, a receiver, and a file attribute of the to-be-forwarded clearing file;

When the sender is a regional exchange sub-center, determining whether the file attribute is a local transaction-specific clearing file, and if yes, sending, by the sending unit, the to-be-forwarded clearing file to the receiving party;

Determining, when the sender is a regional exchange parent center, whether the file attribute is a cross-region transaction-specific clearing file, and if yes, sending, by the sending unit, the to-be-forwarded clearing file to the receiving square.
The apparatus according to claim 7, wherein said file attribute is preconfigured as a local transaction exclusive clearing file, a cross-region transaction exclusive clearing file and a mixed transaction exclusive clearing file;

The processing unit is configured to: obtain a file name of the to-be-forwarded clearing file, and determine the file attribute according to the file name;

Wherein, the file name is pre-configured as a clearing file name unique to the local transaction, a clearing file name unique to the cross-region transaction, and a clearing file name exclusive to the mixed transaction, wherein the mixed transaction means that both sides of the transaction are local institutions and Trading by overseas institutions.
The device according to claim 8, wherein the processing unit is further configured to:

When the sender is a regional exchange sub-center, if it is determined that the file attribute is a mixed transaction-specific clearing file, the to-be-forwarded clearing file is marked as a clearing file to be merged from the regional exchange sub-center; or

When the sender is a regional exchange parent center, if it is determined that the file attribute is a mixed transaction exclusive clearing file, the to-be-forwarded clearing file is marked as a clearing file to be merged from the regional exchange parent center.
The apparatus according to claim 9, wherein said processing unit marks said to-be-forwarded clearing file as a clearing file to be merged from a regional exchange sub-center, or marks said to-be-forwarded clearing file as being from a region After exchanging the parent center's pending clearing file, it is also used to:

Finding whether there is a clearing file to be merged from the regional exchange subcenter and the file name from the regional exchange parent center respectively;

If yes, the found clearing files to be merged are merged, and the merged clearing file is sent to the receiving party by the sending unit.
The device according to any one of claims 7 to 10, wherein the receiving unit is further configured to receive a transaction file to be forwarded including a plurality of transaction records;

The processing unit is further configured to acquire and identify a bank card identifier recorded in each transaction record; and divide the transaction file to be forwarded into local transaction files and crosses according to the bank card identifier respectively recorded by the plurality of transaction records Transaction file; and sending the local transaction file through the sending unit And sending, by the sending unit, the cross-region transaction file to the regional exchange parent center.
The device according to claim 11, wherein the processing unit is specifically configured to:

For any transaction record, find the bank card identifier of the transaction record in the local bank card identification database;

If present, the transaction record is written to the local transaction file; if not, the transaction record is written to the inter-regional transaction file.
An electronic device, comprising: at least one processor, a transceiver, and a memory communicatively coupled to the at least one processor;

The transceiver is configured to receive a clearing file to be forwarded;

The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to:

Obtaining a sender, a receiver, and a file attribute of the to-be-forwarded clearing file;

When the sender is a regional exchange sub-center, determining whether the file attribute is a local transaction-specific clearing file, and if yes, sending, by the sending unit, the to-be-forwarded clearing file to the receiving party;

When the sender exchanges the parent center for the area, it is determined whether the file attribute is a cross-region transaction-specific clearing file, and if yes, the to-be-forwarded clearing file is sent to the receiving party by the sending unit.
The electronic device of claim 13 wherein said file attributes are pre-configured as local transaction-specific clearing files, trans-regional transactional clearing files and hybrid transaction-specific clearing files; said processor capable of:

Obtaining a file name of the to-be-forwarded clearing file, and determining the file attribute according to the file name;

Wherein, the file name is pre-configured as a clearing file name unique to the local transaction, a clearing file name unique to the cross-region transaction, and a clearing file name exclusive to the mixed transaction, wherein the mixed transaction means that both sides of the transaction are local institutions and Trading by overseas institutions.
The electronic device of claim 14, wherein the processor is further capable of:

When the sender is a regional exchange sub-center, if it is determined that the file attribute is a mixed transaction-specific clearing file, the to-be-forwarded clearing file is marked as a clearing file to be merged from the regional exchange sub-center; or

When the sender is a regional exchange parent center, if it is determined that the file attribute is a mixed transaction exclusive clearing file, the to-be-forwarded clearing file is marked as a clearing file to be merged from the regional exchange parent center.
The electronic device of claim 15 wherein said processor is further capable of:

After marking the to-be-forwarded clearing file as a clearing file to be merged from the regional exchange sub-center, or marking the to-be-forwarded clearing file as a clearing file to be merged from the regional exchange parent center, it is found whether there is a separate exchange from the area The sub-center and the clearing file to be merged with the same file name from the regional exchange parent center;

If yes, the found clearing files to be merged are merged, and the merged clearing file is sent to the receiving party by the sending unit.
The electronic device according to any one of claims 13 to 16, wherein

The transceiver is further configured to receive a transaction file to be forwarded including multiple transaction records;

The processor is further configured to: acquire and identify a bank card identifier recorded in each transaction record; and split the to-be-forwarded transaction file into a local transaction file and a cross-region according to the bank card identifier respectively recorded by the plurality of transaction records Transmitting a file; and transmitting, by the sending unit, the local transaction file to a regional exchange sub-center, and transmitting, by the sending unit, the cross-region transaction file to a regional exchange parent center.
The electronic device of claim 17 wherein said processor is capable of:

For any transaction record, find the bank card identifier of the transaction record in the local bank card identification database;

If present, the transaction record is written to the local transaction file; if not, the transaction record is written to the inter-regional transaction file.
Non-volatile computer storage medium, characterized in that the non-transitory computer can The read storage medium stores computer executable instructions for causing the computer to perform the multi-center file forwarding processing method of any of claims 1-6.
A computer program product, comprising: a computing program stored on a non-transitory computer readable storage medium, the computer program comprising the computer executable instructions, when the computer executable instructions When executed by a computer, the computer is caused to perform the multi-center file forwarding processing method according to any one of claims 1-6.