The invention discloses a transaction settlement
system which comprises a business
system, a transaction
system, a
payment system, a charging system, a message system and an accounting system. The transaction system comprises a transaction engine module, a data persistence module, a
process engine module, a
rule engine module, a fund
processing module, a product account access module, a charging access module, a merchant notification module and a unified event module, and the
payment system comprises a
payment service module, a payment instruction module, a clearing
service module, a clearing instruction module and a
bank transaction module. The payment
service module comprises a recharge protocol module, a cash withdrawal protocol module, a recharge and withdrawal protocol module and an internal transfer protocol module; the clearing service module comprises a
channel management module, a task scheduling module, a file
processing module and a real-
time processing module; the real-
time processing module comprises an online
bank access module, a cartoon access module, a
bank-enterprise direct connection module and an other bank access mode module, and the accounting system comprises an accounting system, a message system and a bank flow
registration system.