Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

Timing settlement mechanism implementation method

A method and mechanism technology, applied in the field of timing settlement mechanism, can solve problems such as complicated reconciliation and uncontrollable time, and achieve the effect of improving operating efficiency, improving user experience, and meeting the requirements of funds arriving in the account

Pending Publication Date: 2021-03-09
银盛支付服务股份有限公司
View PDF0 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

With the integration of online and offline, merchants have two overlapping scenarios in the transaction process, and the funds received from 23:00 to 24:00 are divided into two accounts due to the aforementioned reasons, the time is uncontrollable, and the reconciliation is more complicated; As the pace of life accelerates, there are not a few merchants that operate across the day and overnight. Such merchants have the pain point of the time when funds arrive

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Timing settlement mechanism implementation method
  • Timing settlement mechanism implementation method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0020] The present invention will be further described below in conjunction with the accompanying drawings and embodiments.

[0021] The idea, specific structure and technical effects of the present invention will be clearly and completely described below in conjunction with the embodiments and accompanying drawings, so as to fully understand the purpose, features and effects of the present invention. Apparently, the described embodiments are only some of the embodiments of the present invention, rather than all of them. Based on the embodiments of the present invention, other embodiments obtained by those skilled in the art without creative efforts belong to The protection scope of the present invention. In addition, all the connection / connection relationships involved in the patent do not simply refer to the direct connection of components, but mean that a better connection structure can be formed by adding or reducing connection accessories according to specific implementat...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention discloses a timing settlement mechanism implementation method, and relates to the technical field of financial data processing. The method comprises the following steps: S1, setting a clearing mode, a transaction system sending a request to a clearing system, merchants being added into a non-clearing list, and the clearing system marking the merchants; S2, performing request and entry processing of an account-arriving transaction; S3, the transaction system counting the total transaction amount according to the self-defined clearing time of the merchant; S4, processing a cash withdrawal request; S5, fund clearing: in normal clearing time, the clearing system requests Unionpay / network connection to take out an account checking flow, the Unionpay / network connection returns theaccount checking flow, and the clearing system issues a clearing list according to the flow of each party, rejects the merchants marked in the step S1 and performs fund clearing for other normal merchants. The beneficial effects of the invention are that the method meets the fund-to-account requirements of cross-day business merchants, is more flexible in account-to-account time, and meets the demands of a scene.

Description

technical field [0001] The invention relates to the technical field of financial data processing, and more specifically, the invention relates to a method for realizing a timing settlement mechanism. Background technique [0002] According to the relevant laws and regulations of our country, all transactions involving bank account funds by third-party payment institutions must first be connected through UnionPay / NetPay, that is, transactions must first go through UnionPay. Among them, in terms of fund clearing and settlement, the daily cut-off time for credit card offline transactions is fixed at 23:00, while the daily cut-off time for WeChat / Alipay code-based online payments is basically 24:00. With the integration of online and offline, merchants have two overlapping scenarios in the transaction process, and the funds received from 23:00 to 24:00 are divided into two accounts due to the aforementioned reasons, the time is uncontrollable, and the reconciliation is more comp...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
IPC IPC(8): G06Q20/08G06Q20/10G06F16/9537
CPCG06Q20/0855G06Q20/108G06F16/9537G06Q20/085
Inventor 林小畅
Owner 银盛支付服务股份有限公司
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com