Clearing transaction data processing method and device

Abstract

The invention provides a clearing transaction data processing method and device. The method comprises the steps of obtaining clearing transaction data of an authorized transaction from a clearing file, wherein the clearing transaction data comprises a transaction authorization number, transaction revocation information and a clearing identifier, and the clearing identifier is used for marking whether the authorized transaction needs multiple clearing or not; obtaining freezing information of each transaction according to the transaction authorization number after determining that the authorized transaction needs multiple clearing according to the clearing identifier; and determining clearing unfreezing data corresponding to each transaction according to the freezing information and the transaction revocation information of each transaction. According to the method, whether the authorized transaction can be subjected to multiple clearing or not is marked by utilizing the clearing identifier; according to the partial transaction cancelling information and the freezing information of the authorized transaction by a client, the transaction in the delay clearing is partially cancelled as required, the tedious operation that the client initiates the authorized transaction again after cancelling all the transactions is avoided, the operation tedious degree is reduced, and the loss brought to the client due to the fact that all the transactions are cancelled is avoided.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a clearing transaction data processing method and device. Background technique [0002] At present, there is a traditional transaction with a delayed settlement mode. When the customer consumes on T day, the card issuing bank completes the authorization of the transaction amount. When the card issuing bank receives the transaction authorization request, it does not directly deduct the balance in the customer's account. The amount corresponding to the authorized transaction in the customer's account is frozen and a transaction record is formed. After T+N days, the card group sends the transaction records of multiple transactions within N days to the settlement system of the card issuing bank in the form of settlement documents. Among them, N days is a certain hesitation period for customers. However, during the hesitation period, if customers want to cancel some transactio...

AI Technical Summary

Problems solved by technology

[0002] At present, there is a traditional transaction with a delayed settlement mode. When the customer consumes on T day, the card issuing bank completes the authorization of the transaction amount. When the card issuing bank receives the transaction authorization request, it does not directly deduct the balance in the customer's account. The amount corresponding to the authorized transaction in the customer's account is frozen and a transaction record is formed. After T+N days, the card group sends the transaction records of multiple transactions within N days to the settlement system of the card issuing bank in the form of settlement documents. Among them, N days is a certain hesitation period for customers. However, during the hesitation period, if customers want to cancel some transaction items in the authorized transaction, they need to cancel all transactions in the authorized transaction. Initiate a new authorization transaction again, the operation is cumbersome and easy to cause customer losses

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