Transaction data processing method and system for realizing transferring within a day

A transaction data and processing method technology, applied in the field of data processing, can solve problems such as delay in arrival time, and achieve the effect of avoiding abnormal situations, simplifying the process, and simplifying the processing logic.

Inactive Publication Date: 2009-03-25
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The technical problem to be solved by the present invention is to provide a transaction data processing method and system for receiving the account on the same day, so as to solve the problem of delay in the arrival time in the current account processing process

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  • Transaction data processing method and system for realizing transferring within a day
  • Transaction data processing method and system for realizing transferring within a day

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Embodiment Construction

[0028] In order to make the above objects, features and advantages of the present invention more comprehensible, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0029] Aiming at the problem of time delay in account entry processing in banking business, the embodiment of the present invention provides a business process flow of "online account verification + batch deposit", that is, counter service personnel (or self-service terminals) The account verification link is added, and the payment can only be collected after the account verification is successful; then, on the same day, a deposit transaction is initiated to the background system in the form of a batch file, and the intermediate processing system checks the validity of the batch transaction data and then forwards it to the background system, which can avoid the online environment Delays in crediting due to communication failures or...

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Abstract

The invention discloses a transaction data processing method which can realize receipt of money on the same day, in order to solve the problem of time delay in the current accounting entry processing procedure. The embodiment of the invention adopts the transaction processing procedure of 'online account verification and batch deposit', the procedure of account verification is added before the counter service personnel (or a self-help terminal) receive the money, and the money can only be accepted before the account verification is successful; then, the deposit transaction is launched to the background in a manner of batch file on the same day, an intermediate processing system forwards the deposit transaction to the background system after making validity examination, therefore, delay of accounting entry caused by communication failure or format error in the online environment can be avoided. When communication failure happens on the same day, the files can be transmitted again; when format error of the files happens, transmission can be carried out again after modification, so as to ensure that the money received on the same day can be deposited into the account of the specified bank card. More over, the procedure is simple by transmitting the deposit in the batch manner, thereby avoiding various abnormal circumstances possibly happening during the online process.

Description

technical field [0001] The present invention relates to the field of data processing, in particular to a method and system for processing transaction data that arrives on the same day. Background technique [0002] In business processing, different processing systems are often involved, and thus data processing between different systems is involved. For example, in the process of account entry (such as deposits, remittances, etc.) in financial services, taking the deposit business as an example, the current deposit business process adopts the method of "online account verification + online deposit": that is, in the deposit transaction, the counter Front service personnel (or self-service terminals) verify the customer's account before collecting money, so as to avoid the problem that the deposit cannot be entered if the deposit is accepted by the counter (or terminal) but the background account does not exist; if the account exists, the counter will Face (or terminal) to ac...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00G06Q40/00
CPCG06Q40/02
Inventor 李洁
Owner CHINA UNIONPAY
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