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A payment business settlement processing method and system

A processing method and business technology, applied in the field of payment business settlement processing method and system, can solve problems such as inability to provide real-time gold withdrawal transaction support, restriction of settlement ability, lack of fund settlement prediction function, etc.

Active Publication Date: 2021-05-14
中金支付有限公司
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  • Summary
  • Abstract
  • 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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  • A payment business settlement processing method and system
  • A payment business settlement processing method and system

Examples

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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 with 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 business settlement processing method and system, relates to the technical field of financial payment, and can provide flexible and high-quality payment settlement services for merchants in real time and around the clock. The method includes: 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 ; Determine the account ID j The type of current transaction behavior that occurs, adding and / or deleting and / or updating the account transaction queue node Q j ; Get the current time t 1 All account IDs for j Associated account transaction queue Q j and account transaction details table R j , and based on the transaction details table R of each account j Estimating the current moment t 1 Corresponding to each account ID j The expected amount of reserved funds; the set of pre-clearing nodes L after calculating the reserved amount of reserved funds j ; Compare the pre-clearing node set L j with t 2 Moment account transaction queue Q j Determine the actual clearing node and update the account model PA synchronously j . The system includes the method proposed in the above 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 Patents(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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