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Payment service settlement processing method and system

A processing method and business technology, which is applied in the payment business settlement processing method and system field, can solve the problems such as the inability to realize the gold deposit transaction "instant deposit and withdrawal", the inability to provide real-time gold withdrawal transaction support, and the restriction of settlement ability.

Active Publication Date: 2019-07-30
中金支付有限公司
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  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] With the changes in the market environment, the flexibility of fund settlement has a broad market demand. On the one hand, merchants have higher and higher requirements for capital turnover efficiency; on the other hand, merchants are paying more and more attention to the success rate guarantee of capital outflow transactions. The traditional way of pooling and clearing settlement based on transactions cannot realize the "instant deposit and withdrawal" of deposit transactions, cannot provide support for real-time gold withdrawal transactions, and cannot support 7*24h real-time settlement, which restricts the improvement of settlement capabilities
In addition, the settlement system in the prior art does not have the fund settlement forecasting function, and cannot provide merchants with maximum fund utilization support services

Method used

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  • Payment service settlement processing method and system
  • Payment service settlement processing method and system

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Experimental program
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Embodiment 1

[0060] see figure 1 , this embodiment provides a payment business settlement processing method, including:

[0061] Account ID based on each merchant j Establish an interrelated account model PA j , account transaction queue Q j and account transaction details table R j , account model PA j Include Account ID j , last account period time, last account period balance, current account period time and current account period balance information, account transaction queue Q j It consists of multiple transaction nodes generated by multiple transaction behaviors. Transaction nodes include transaction sequence codes, transaction account time and transaction amount information, and account transaction details table R j Including transaction serial number, transaction accounting time and transaction amount information; determine account ID j The type of current transaction behavior that occurs. If the transaction type is a deposit transaction, the order of the generated transacti...

Embodiment 2

[0082] see figure 1 and figure 2 , this embodiment provides a payment business settlement processing system, including:

[0083] Modeling table unit 1, based on each merchant's account ID j Establish an interrelated account model PA j , account transaction queue Q j and account transaction details table R j , the account model PA j Include Account ID j , the time of the last account period, the balance of the last account period, the time of the current account period and the balance information of the current account period, the account transaction queue Q j It consists of a plurality of transaction nodes generated by multiple transaction behaviors, the transaction nodes include transaction sequence code, transaction accounting time and transaction amount information, and the account transaction details table R j Including transaction serial number, transaction accounting time and transaction amount information;

[0084] A node update unit 2, configured to determine ...

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Abstract

The invention discloses a payment service settlement processing method and system, relates to the technical field of financial payment, and can provide flexible and high-quality payment settlement service for merchants in real time in an all-weather manner. The method comprises the following steps: establishing an account model PAj, an account transaction queue Qj and an account transaction detailtable Rj which are mutually associated based on an account IDj of each merchant; judging the current transaction behavior type of the account IDj, and adding and / or deleting and / or updating an account transaction queue node Qj; obtaining an account transaction queue Qj and an account transaction detail table Rj associated with all accounts IDj at the current moment t1, and estimating an expectedreserved fund limit of each account IDj corresponding to the current moment t1 based on each account transaction detail table Rj; obtaining a pre-clearing node set Lj after the reserved fund limit isreserved through calculation; and comparing the pre-clearing node set Lj with the account transaction queue Qj at the moment t2 to determine an actual clearing node and synchronously updating the account model PAj. The system comprises the method provided by the scheme.

Description

technical field [0001] The present invention relates to the technical field of financial payment, in particular to a payment business settlement processing method and system. Background technique [0002] In recent years, payment service innovations have continued, business has led the world trend, inclusive development has deepened, and the customer base participating in payment has become increasingly large, and the ability to promote social development and improve people's livelihood has been continuously improved. Especially in the context of the increasing development of e-commerce, there are extremely high requirements for the security, efficiency, flexibility, and accuracy of Internet payment and settlement services. [0003] With the changes in the market environment, the flexibility of fund settlement has a broad market demand. On the one hand, merchants have higher and higher requirements for capital turnover efficiency; on the other hand, merchants are paying more...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/10G06Q40/04
CPCG06Q20/102G06Q40/04
Inventor 张鑫徐艳婷徐亢曲天伟唐跃英
Owner 中金支付有限公司
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