Switching method of accounting date and business clearing and settlement system

Abstract

The invention discloses a switching method of accounting date and a business clearing and settlement system, which are used for meeting the diverse needs of a plurality of external systems on switching points of the accounting date to ensure the accuracy of accounts checking between the business clearing and settlement system and the external systems. The switching method of the accounting date comprises the following steps: determining a time window where the start time of the business submitted by the external systems exists according to the start and end time points of a parallel window of the day; if the time window exists in the parallel window, determining the accounting date recorded by the business according to the accounting date appointed by the external systems or the switching points of the accounting date; if the time window exists in a retention window, recording the business to the next accounting date; if not, recording the business to the current accounting date; and carrying out business processing on the retention business when the end time point of the parallel window arrives, and determining the time point of the end of the processing of the retention business as the switching point of the accounting date of the business clearing and settlement system for switching the accounting date.

Description

technical field [0001] The invention relates to the fields of finance and network payment, in particular to an accounting date switching method and a business clearing and settlement system. Background technique [0002] For business systems in the financial and online payment fields, the switching of accounting dates (referred to as date switching) is an important mechanism for closing the business of the day and updating the accounting dates of the entire business system. In this type of system, the accounting date is generally switched at a specific time point, which is called the date switching time point, which is the switching point of the accounting date, for example: 1:00 of each day is used as the accounting date switch point. The switching point of the accounting date and the switching point of the system date generally do not coincide. If 1:00 of each day is used as the switching point of the accounting date, the business between 0:00 and 1:00 will be included in...

AI Technical Summary

Problems solved by technology

[0008] Question 1. The business clearing and settlement system can only provide a unique switching point of accounting date (date switching time point) as the basis for daily business processing. The switching point of accounting date is generally set according to the operational requirements of the business clearing and settlement system;

[0009] Question 2: It is necessary to wait for all the business that must be completed on the day to be completed before switching the accounting date. Due to the fluctuation of the daily business volume, the specific daily accounting date switching point is often slightly deviated and cannot be kept fixed.

[0010] Under normal circumstances, due to the existence of problem 1, the user of clearing and settlement service, that is, the peripheral system (usually the merchant system) can only passively use the switching point of the accounting date of the business clearing and settlement system, and cannot satisfy multiple peripheral systems at the same time. For example, online transaction merchants require that the accounting date switching point is consistent with the system date switching point; while offline transaction merchants, due to a certain time difference in the synchronization of transaction information, each peripheral system The time for business processing is also inconsistent, and it is required to be able to specify the switching point of the accounting date;

[0011] Due to the existence of problem 2, the fluctuation of the switching point of the accounting date caused by the business clearing and settlement system itself also makes the daily accounts of both parties unable to completely match, thus reducing the accuracy of the account check between the business clearing and settlement system and the peripheral system sex

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