Transaction settlement system and transaction settlement control method

Abstract

The invention discloses a transaction settlement system which comprises a business system, a transaction system, a payment system, a charging system, a message system and an accounting system. The transaction system comprises a transaction engine module, a data persistence module, a process engine module, a rule engine module, a fund processing module, a product account access module, a charging access module, a merchant notification module and a unified event module, and the payment system comprises a payment service module, a payment instruction module, a clearing service module, a clearing instruction module and a bank transaction module. The payment service module comprises a recharge protocol module, a cash withdrawal protocol module, a recharge and withdrawal protocol module and an internal transfer protocol module; the clearing service module comprises a channel management module, a task scheduling module, a file processing module and a real-time processing module; the real-time processing module comprises an online bank access module, a cartoon access module, a bank-enterprise direct connection module and an other bank access mode module, and the accounting system comprises an accounting system, a message system and a bank flow registration system.

Description

technical field [0001] The invention relates to the field of financial technology, in particular to a transaction settlement system and a transaction settlement control method. Background technique [0002] A complete e-commerce ecosystem must be inseparable from payment, and payment is only a part of the transaction. If you want to build a closed loop, settlement is indispensable. However, judging from the current status of many e-commerce platforms, the transaction link only involves payment, and the settlement part is often done manually, which is time-consuming and labor-intensive. [0003] The payment and settlement system focuses on the core issues of platform enterprise transaction settlement around the "account + scene", providing a package of comprehensive solutions for fund accounting, account distribution, account reconciliation, account management, and liquidation. The system is presented in the form of api, and the platform side only needs to call the payment a...

AI Technical Summary

Problems solved by technology

However, judging from the current status of many e-commerce platforms, the transaction process only involves payment, and the settlement part is often done manually, which is time-consuming and labor-intensive.

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