A transaction clearing method, device, system, electronic equipment and storage medium

Abstract

The application discloses a transaction clearing and settlement method, device, system, electronic equipment and storage medium. The method executed by the IDC comprises the following steps: performing state detection on to-be-processed transaction data, determining target transaction data satisfying a clearing and settlement state requirement; counting a clearing and settlement verification reference value of the target transaction data, and generating a clearing and settlement task; performing transaction clearing and settlement based on the target transaction data according to the clearing and settlement task to generate a clearing and settlement result; performing consistency verification on the clearing and settlement result based on the clearing and settlement verification reference value, and uploading the clearing and settlement result in the case of passing the verification. The technical scheme of the application can avoid performing clearing and settlement depending on incomplete transaction data, and can also perform consistency verification on the clearing and settlement result based on the clearing and settlement verification reference value, thereby solving the clearing and settlement accuracy problem under the condition of massive transaction data from multiple dimensions.

Description

Technical Field

[0001] This application relates to the field of clearing technology, and in particular to a transaction clearing method, apparatus, system, electronic device and storage medium. Background Technology

[0002] Online payment has become an indispensable part of people's lives. The massive volume of transactions generates an enormous amount of transaction data daily, posing a severe challenge to traditional payment clearing platforms. Traditional single-database structures struggle to accurately clear massive amounts of transaction data due to capacity limitations and clearing processes. Therefore, ensuring the accuracy of clearing results in high-volume transaction scenarios is one of the key challenges payment clearing platforms face. Summary of the Invention

[0003] This application provides a transaction clearing method, apparatus, system, electronic device, and storage medium to solve the problem of accuracy in clearing massive amounts of transaction data.

[0004] The embodiments of this application adopt the following technical solutions:

[0005] In a first aspect, embodiments of this application provide a transaction clearing method executed by a network data center (IDC), comprising: performing status detection on transaction data to be processed to determine target transaction data that meets clearing status requirements; calculating clearing verification benchmark values ​​for the target transaction data and generating clearing tasks; performing transaction clearing based on the target transaction data according to the clearing tasks to generate clearing results; performing consistency verification on the clearing results based on the clearing verification benchmark values, and uploading the clearing results if the verification passes.

[0006] In some embodiments, performing state detection on the transaction data to be processed to determine the target transaction data that meets the clearing state requirements includes: detecting whether the transaction corresponding to the transaction data to be processed is in the final state; if all transactions are in the final state, then determining that the transaction data to be processed is the target transaction data that meets the clearing state requirements.

[0007] In some embodiments, the clearing and verification benchmark value of the statistical target transaction data includes at least one of the following information of the statistical target transaction data: total number of transactions, total amount, and clearing database table directory.

[0008] In some embodiments, transaction clearing is performed based on target transaction data to generate clearing results, including: performing transaction clearing at multiple preset levels to obtain clearing results corresponding to each level; wherein the clearing result at the lowest level is generated based on the target transaction data, and the clearing results at other levels are generated based on the clearing results at adjacent lower levels.

[0009] In some embodiments, transaction clearing is performed step-by-step according to multiple preset levels to obtain clearing results corresponding to each level, including: reading target transaction data round by round, with the amount of target transaction data read in each round not exceeding a preset value; for each round of target transaction data read, after obtaining the clearing result of that round, verifying the accuracy of the clearing result of that round according to the lending balance principle; if the clearing result of that round passes the accuracy verification, updating the clearing result of the lowest level according to the clearing result of that round, and executing the step of reading the target transaction data of the next round.

[0010] In some embodiments, the transaction clearing method further includes: verifying the accuracy of the clearing results at each level using the lending balance principle.

[0011] In some embodiments, performing step-by-step clearing according to multiple preset levels includes: after the clearing result of a level passes accuracy verification, performing transaction clearing at a higher level adjacent to that level.

[0012] In some embodiments, the preset multiple levels are, in ascending order, table level, database level, and IDC level.

[0013] In some embodiments, sending the clearing results after successful verification includes: summarizing the clearing results at the IDC level and sending the resulting batch clearing results to the reconciliation system for reconciliation.

[0014] Secondly, embodiments of this application provide a transaction clearing device applied to a network data center (IDC) for executing any of the transaction clearing methods described above.

[0015] In some embodiments, the transaction clearing device includes: a determination module, used to perform status detection on the transaction data to be processed and determine the target transaction data that meets the clearing status requirements; a task generation module, used to calculate the clearing verification benchmark value of the target transaction data and generate a clearing task; a clearing module, used to perform transaction clearing based on the target transaction data according to the clearing task to generate a clearing result; and a consistency verification module, used to perform consistency verification on the clearing result based on the clearing verification benchmark value.

[0016] The sending module is used to send the clearing results after the consistency check passes.

[0017] In some embodiments, the determining module is used to detect whether the transaction corresponding to the transaction data to be processed is in the final state; if all transactions are in the final state, the transaction data to be processed is determined to be the target transaction data that meets the clearing status requirements.

[0018] In some embodiments, the task generation module is used to collect at least one of the following information from the target transaction data: total number of transactions, total amount, and clearing database directory.

[0019] In some embodiments, the clearing module is used to perform transaction clearing at multiple preset levels to obtain clearing results corresponding to each level; wherein, the clearing result of the lowest level is generated based on the target transaction data, and the clearing results of other levels are generated based on the clearing results of adjacent lower levels.

[0020] In some embodiments, the clearing module is used to read target transaction data round by round, with the amount of target transaction data read in each round not exceeding a preset value; after obtaining the clearing result of the round, the clearing result of the round is verified for accuracy according to the lending balance principle; if the clearing result of the round passes the accuracy verification, the lowest level clearing result is updated according to the clearing result of the round, and the step of reading the target transaction data of the next round is executed.

[0021] In some embodiments, the clearing module is also used to verify the accuracy of the clearing results at each level using the loan-to-deposit balance principle.

[0022] In some embodiments, the clearing module is used to perform transaction clearing at a higher level adjacent to the clearing level after the clearing result at a certain level has passed accuracy verification.

[0023] In some embodiments, the preset multiple levels are, in ascending order, table level, database level, and IDC level.

[0024] In some embodiments, the sending module is used to summarize the clearing results at the IDC level and send the resulting batch clearing results to the reconciliation system for reconciliation.

[0025] Thirdly, embodiments of this application provide a transaction clearing system, including multiple network data centers (IDCs), at least some of which are equipped with the aforementioned transaction clearing device.

[0026] Fourthly, embodiments of this application provide an electronic device, including: a processor; and a memory arranged to store computer-executable instructions, which, when executed, cause the processor to perform any of the transaction clearing methods described above.

[0027] Fifthly, embodiments of this application provide a computer-readable storage medium storing one or more programs that, when executed by an electronic device including multiple applications, cause the electronic device to perform any of the transaction clearing methods described above.

[0028] The above-described technical solutions adopted in the embodiments of this application can achieve the following beneficial effects:

[0029] This application builds a transaction clearing system based on Internet Data Center (IDC), ensuring the accuracy of clearing massive amounts of transaction data through multiple means. Specifically, the technical solution of this application, on the one hand, avoids relying on incomplete transaction data for clearing, and on the other hand, performs consistency verification of clearing results based on clearing verification benchmarks, thus solving the problem of clearing accuracy under massive transaction data from multiple dimensions. Attached Figure Description

[0030] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments of this application and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings:

[0031] Figure 1 This is a flowchart illustrating a transaction clearing method according to an embodiment of this application;

[0032] Figure 2 This is a schematic diagram of the structure of a transaction clearing system according to an embodiment of this application;

[0033] Figure 3 This is a table-level clearing diagram of a transaction clearing method according to an embodiment of this application;

[0034] Figure 4 This is a schematic diagram of IDC-level clearing and summarizing of a transaction clearing method according to an embodiment of this application;

[0035] Figure 5 This is a schematic diagram illustrating the end-to-end verification of a transaction clearing method according to an embodiment of this application.

[0036] Figure 6 This is a schematic diagram of the transaction clearing device in one embodiment of this application;

[0037] Figure 7 This is a schematic diagram of the structure of an electronic device according to an embodiment of this application. Detailed Implementation

[0038] To make the objectives, technical solutions, and advantages of this application clearer, the technical solutions of this application will be clearly and completely described below in conjunction with specific embodiments and corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of this application, and not all of them. Based on the embodiments in this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0039] Figure 1 This is a flowchart illustrating a transaction clearing method according to an embodiment of this application, as shown below. Figure 1As shown, this transaction clearing method is executed by the network data center (IDC) and includes:

[0040] Step S110: Perform status detection on the transaction data to be processed to determine the target transaction data that meets the clearing status requirements.

[0041] Transaction clearing typically refers to the process of summarizing, organizing, and classifying transaction data according to the relationships between payment institutions, banks, etc., such as credit to other entities, debit to other entities, number of transactions, amount, and net settlement.

[0042] Transaction data is the embodiment of a transaction. If a transaction is not yet completed, the transaction data is incomplete; if the transaction data used for clearing is incomplete, then clearing errors may occur. To avoid this problem, this application proposes a method for status detection of transaction data, which is essentially detecting whether a transaction is complete.

[0043] To achieve this, a status field can be set for the transaction data, and the value of this status field can be changed at the corresponding stages as the transaction progresses. Therefore, by reading the value of the status field, the state of the transaction can be determined, thus enabling status detection of the transaction data.

[0044] By performing a status check on the transaction data in step S110, it can be ensured that the target transaction data used for transaction clearing is complete, thereby avoiding clearing errors caused by incomplete transaction data. As described above, step S110 can also be referred to as performing an integrity check on the transaction data before (pre-processing) the specific clearing process.

[0045] You can specify transaction data as pending transactions by setting time intervals or designated payment institutions. By performing status checks on these pending transactions, you can obtain target transaction data that meets the clearing status requirements.

[0046] In real-world scenarios, transaction clearing control strategies can be flexibly configured. For example, if the proportion of transaction data meeting the clearing status requirements is lower than a certain threshold, or if the proportion of transaction data meeting the clearing status requirements is less than a certain threshold, transaction clearing can be terminated directly. In some stricter scenarios, transaction clearing can even be terminated directly as soon as any transaction data that does not meet the clearing status requirements is detected.

[0047] After transaction clearing is terminated, other applications can perform corresponding processing on transaction data that does not meet the clearing status requirements. For example, they can close non-final transactions, and after closing the transaction, the status of the corresponding transaction data will meet the clearing status requirements. At this time, if step S110 is executed again (equivalent to starting a new transaction clearing), the transaction data after the order closure processing can be determined as the target transaction data that meets the clearing status requirements. It can be seen that the execution logic of other applications does not essentially affect the transaction clearing method of this application embodiment. This will only be briefly explained here and will not be described in detail.

[0048] Step S120: Calculate the clearing and verification benchmark value of the target transaction data and generate a clearing task. The step of calculating the clearing and verification benchmark value also occurs before the actual clearing process, and therefore can be used to perform consistency verification after the clearing process is executed, ensuring that there is no data loss or omission of steps during the clearing process.

[0049] Step S130: According to the clearing task, perform transaction clearing based on the target transaction data to generate clearing results. Step S130 can be implemented using any existing technology and can be specifically divided into multiple sub-steps, which this application does not limit. Step S130 can be understood as "specific clearing processing".

[0050] Since the integrity of the transaction data has been confirmed in step S110, the accuracy of the data source for clearing at this time is guaranteed, and an effective clearing result can be obtained.

[0051] Step S140: Perform consistency verification on the clearing results based on the clearing verification benchmark value, and upload the clearing results if the verification passes. The consistency verification here can be understood as, after the specific clearing process (afterwards), using some indicators that are consistent with the target transaction data and the clearing results to achieve consistency verification. If they are consistent, it means that no data loss or omission of steps has occurred.

[0052] Therefore, the transaction clearing method of this embodiment can realize the integrity verification of transaction data in advance, eliminate errors caused by incomplete transactions, and avoid relying on incomplete transaction data for clearing. At the same time, the transaction clearing method of this embodiment also performs consistency verification on the clearing results based on the clearing verification benchmark value after the fact, thereby avoiding data loss or omission of steps in the clearing process, and solving the problem of clearing accuracy under the massive transaction data of today from multiple dimensions.

[0053] In one embodiment of this application, step S110 involves performing a status detection on the transaction data to be processed to determine the target transaction data that meets the clearing status requirements. This includes detecting whether the transaction corresponding to the transaction data to be processed is in the final state; if both are in the final state, then the transaction data to be processed is determined to be the target transaction data that meets the clearing status requirements.

[0054] Generally, whether a transaction is in its final state depends on whether its status is unclear and whether it will change. For example, for a payment order, there are two possible outcomes: payment success or payment failure (such as payment not being made within the time limit or insufficient balance). Therefore, regardless of whether the status is successful or failed, the transaction can be considered complete. Conversely, if it is in any other state, it means the transaction is still in progress. If the transaction data of such transactions is cleared, errors will occur due to changes in subsequent transactions. Therefore, this application performs status detection on the transaction data to be processed to identify complete and clearly defined transaction data, thereby controlling the accuracy of transaction clearing.

[0055] As can be seen from the example above, the success state and the failure state both belong to the final state. In other words, the state indicated by the clearing state requirement can be not only a certain state, but also a certain type of state.

[0056] In some embodiments, the clearing and verification benchmark value for statistical target transaction data includes at least one of the following information: total number of transactions, total amount, and clearing database table directory. This information, when being statistically analyzed, can comprehensively describe the characteristics of the target transaction data and will not change due to correct clearing processing. That is, one or more of the total number of transactions, total amount, and clearing database table directory determined based on the clearing results are comparable to the corresponding clearing and verification benchmark value. If they match, it indicates that no data loss or omission of steps has occurred.

[0057] In some embodiments, transaction clearing is performed based on target transaction data to generate clearing results, including: performing transaction clearing at multiple preset levels to obtain clearing results corresponding to each level; wherein the clearing result at the lowest level is generated based on the target transaction data, and the clearing results at other levels are generated based on the clearing results at adjacent lower levels.

[0058] In these embodiments, the hierarchical clearing design is adapted to massive transaction data and, more importantly, allows for better utilization of distributed computing resources. Due to the sheer volume of transaction data, clearing transactions using single-point computing resources is inefficient. However, using distributed computing resources introduces a new problem: each individual computing resource within the distributed system cannot obtain the overall clearing result. Simply summarizing the clearing results from each individual computing resource is problematic because the sheer number of resources used makes scheduling and control difficult and prone to errors.

[0059] Therefore, this application adopts a step-by-step transaction clearing method. The clearing result at the lowest level depends on the target transaction data, and the transaction clearing at other levels is actually processing the clearing result of the next lower level. By summarizing these levels, the final result is the overall clearing result.

[0060] In some embodiments, the preset levels, from lowest to highest, are table level, database level, and IDC level. That is, the clearing results at the table level are obtained first, then the clearing results at the database level are obtained based on the transaction database to which the transaction table belongs, and finally the clearing results at the IDC level are obtained based on the IDC to which the transaction database belongs.

[0061] In some embodiments, transaction clearing is performed step-by-step according to multiple preset levels to obtain clearing results corresponding to each level, including: reading target transaction data round by round, with the amount of target transaction data read in each round not exceeding a preset value; for each round of target transaction data read, after obtaining the clearing result of that round, verifying the accuracy of the clearing result of that round according to the lending balance principle; if the clearing result of that round passes the accuracy verification, updating the clearing result of the lowest level according to the clearing result of that round, and executing the step of reading the target transaction data of the next round.

[0062] Even a single transaction table can store a vast amount of transaction data, and during the clearing process, it is prone to short-term, unrecoverable failures. To address these potential issues, this application employs a multi-round approach to read the target transaction data in the process of obtaining the lowest-level clearing result, with each round relying on the loan-to-deposit balancing principle for accuracy verification.

[0063] The principle of debit-credit balance means that "for every debit, there must be a corresponding credit, and debits and credits must equal each other." Transaction clearing actually requires finding matching transaction data, which reflects either a debit or a credit. If a transaction has only a debit or only a credit, it is not accurate, meaning the clearing is inaccurate. Therefore, using the debit-credit balance principle to verify the accuracy of the clearing results for this round means determining whether all debit transactions in the clearing results have a matching credit transaction, and whether all credit transactions have a matching debit transaction. If inconsistencies exist, it means the accuracy verification has failed, an anomaly can be reported, and clearing can be suspended to facilitate investigation of anomalies; if the accuracy verification passes, the target transaction data for the next round can be read.

[0064] In some embodiments, the transaction clearing method further includes: verifying the accuracy of the clearing results at each level using a lending and borrowing balance principle. In some embodiments, clearing at multiple preset levels includes: after the clearing result at one level passes the accuracy verification, performing transaction clearing at the next higher level adjacent to that level.

[0065] Similar to the aforementioned embodiments, the accuracy check can be applied not only to the results of each round of sorting but also to the results of sorting at each level. If the sorting result at a level fails the accuracy check, an anomaly can be reported, and sorting can be suspended to facilitate the investigation of anomalies.

[0066] In some embodiments, sending the clearing results after successful verification includes: summarizing the clearing results at the IDC level and sending the resulting batch clearing results to the reconciliation system for reconciliation.

[0067] Figure 2 This is a schematic diagram of the structure of a transaction clearing system according to one embodiment of this application. The transaction clearing system exemplarily shows two data centers (IDCs) deployed with transaction clearing devices. It will be understood that the transaction clearing system may also include more IDCs, which are not shown here. Figure 2 The illustrated IDC may or may not include a transaction clearing device. The transaction clearing device in this application embodiment can implement the transaction clearing method in any embodiment of this application. To facilitate explanation of the interaction between the transaction clearing device and the database when implementing the transaction clearing method, Figure 2 The transaction clearing device is not explicitly shown. However, a transaction clearing device can be implemented at least through a worker component and a manager component. An embodiment of the transaction clearing device can be found below.

[0068] Combination Figure 2This section describes the process of transaction clearing. In one embodiment, before executing specific clearing processing, each IDC's worker component performs a finality check on all pending transaction data. If transaction data corresponding to non-final states exists, the current transaction clearing automatically terminates. After the non-final state transactions are closed, the transaction data status is updated, a new clearing task is generated, and the next transaction clearing is performed. If all pending transaction data is in a final state, the total number of transactions and total amount of these target transaction data are counted and saved as clearing verification benchmarks, and then clearing tasks are generated and issued.

[0069] In this application Figure 2 In the illustrated embodiment, the transaction clearing system is a distributed design, with the transaction database using a multi-IDC, sharded database and table-based design. During clearing processing, the clearing results for each transaction table are recorded in the corresponding table-level clearing result table. In the clearing processing of massive transaction data, table-level clearing is completed in batches to clear the transactions for the entire table.

[0070] Reference Figure 3 The table-level clearing diagram shown and Figure 4 The diagram showing the IDC-level clearing and aggregation process illustrates the clearing process in this embodiment of the application.

[0071] like Figure 3 As shown, table-level clearing is performed first, reading 100 transactions at a time to calculate the clearing result. The accuracy of the table-level clearing result is verified by the lending and borrowing balance principle. If the lending and borrowing balance principle is met, the table-level clearing result is saved and updated; if the lending and borrowing balance principle is not met, an abnormal termination is initiated, and the calculation is stopped. This process continues until all transactions for the table have been processed, at which point the table-level clearing is considered complete.

[0072] After all table-level clearing and processing for a given IDC is complete, the next level of aggregation process is executed. The Worker issues IDC-level aggregation tasks. The specific execution flow is as follows: Figure 4 As shown:

[0073] The system sequentially calculates the database-level and IDC-level clearing results and verifies whether the IDC-level clearing results are consistent with the pre-calculated clearing verification benchmark values.

[0074] During consistency verification, the Worker sends the IDC-level clearing results to the Management component. The Management component first checks whether the clearing results match the clearing verification baseline values ​​(such as the total number of transactions to be cleared, the total amount, etc.) calculated before clearing. If they do not match, the clearing process is interrupted; if they match, the Management component saves the IDC-level clearing results to the clearing management database, and then sends the IDC-level clearing results to the Main Data Center Controller component through the clearing gateway application for downstream reconciliation. After receiving the clearing results for all IDCs, the Main Data Center Controller application triggers the batch aggregation process to calculate and save the batch aggregation results. Preferably, the process of generating the batch aggregation results also uses the debit-credit balancing principle for verification.

[0075] In one embodiment of this application, after each IDC clearing process is completed, the database tables cleared by this IDC, as well as the number of clearing transactions and the amount in each table, are recorded for consistency verification before and after clearing processing, and for downstream reconciliation systems to verify whether the reconciliation results are consistent with the clearing results.

[0076] In one embodiment of this application, when the reconciliation task execution entity performs the reconciliation, it queries the batch clearing results and only generates a batch reconciliation statement when it confirms that the reconciliation results are consistent with the batch clearing results.

[0077] Thus, as Figure 5 As shown, the transaction clearing method of this application embodiment achieves accuracy assurance throughout the entire clearing chain, including: before clearing, performing status detection on the transaction data to be cleared; during clearing, verifying the loan-to-deposit balance principle throughout each level of the clearing process; and after clearing, verifying the consistency of the clearing results with the clearing verification benchmark value calculated before clearing. Therefore, this application embodiment has high accuracy assurance throughout the entire clearing chain. The clearing results obtained in this way are more likely to ensure the execution of reconciliation when applied to a reconciliation system.

[0078] Secondly, embodiments of this application provide a transaction clearing device applied to a network data center (IDC) for executing any of the transaction clearing methods described above.

[0079] Figure 6 This is a schematic diagram of the structure of a transaction clearing device according to an embodiment of this application, as shown below. Figure 6 As shown, the transaction clearing device 600 includes:

[0080] The determination module 610 is used to perform status detection on the transaction data to be processed and determine the target transaction data that meets the clearing status requirements.

[0081] The task generation module 620 is used to calculate the clearing and verification benchmark value of the target transaction data and generate clearing tasks.

[0082] The clearing module 630 is used to clear transactions based on the target transaction data according to the clearing task to generate clearing results.

[0083] The consistency verification module 640 is used to perform consistency verification on the clearing results based on the clearing verification benchmark value.

[0084] The sending module 650 is used to send the clearing results after the consistency check passes.

[0085] In some embodiments, the determining module 610 is used to detect whether the transaction corresponding to the transaction data to be processed is in the final state; if both are in the final state, the transaction data to be processed is determined to be the target transaction data that meets the clearing status requirements.

[0086] In some embodiments, the task generation module 620 is used to collect at least one of the following information from the target transaction data: total number of transactions, total amount, and clearing database table directory.

[0087] In some embodiments, the clearing module 630 is used to perform transaction clearing at multiple preset levels to obtain clearing results corresponding to each level; wherein, the clearing result of the lowest level is generated based on the target transaction data, and the clearing results of other levels are generated based on the clearing results of adjacent lower levels.

[0088] In some embodiments, the clearing module 630 is used to read target transaction data round by round, with the amount of target transaction data read in each round not exceeding a preset value; for each round of target transaction data read, after obtaining the clearing result of that round, the accuracy of the clearing result of that round is verified by the lending balance principle; if the clearing result of that round passes the accuracy verification, the lowest level clearing result is updated according to the clearing result of that round, and the step of reading the target transaction data of the next round is executed.

[0089] In some embodiments, the clearing module 630 is also used to verify the accuracy of the clearing results at each level using the loan-to-deposit balance principle.

[0090] In some embodiments, the clearing module 630 is used to perform transaction clearing at a higher level adjacent to the clearing level after the clearing result at a certain level has passed the accuracy verification.

[0091] In some embodiments, the preset multiple levels are, in ascending order, table level, database level, and IDC level.

[0092] In some embodiments, the sending module 650 is used to summarize the clearing results at the IDC level and send the resulting batch clearing results to the reconciliation system for reconciliation.

[0093] It is understood that the above-mentioned transaction clearing device can implement each step of the transaction clearing method executed by IDC provided in the foregoing embodiments. The relevant explanations of the transaction clearing method are applicable to the transaction clearing device and will not be repeated here.

[0094] This application also discloses an electronic device, such as Figure 7 As shown, it includes: a processor; and a memory arranged to store computer-executable instructions, which, when executed, cause the processor to perform any of the methods described above.

[0095] This application also discloses a computer-readable storage medium that stores one or more programs, which, when executed by an electronic device including multiple applications, cause the electronic device to perform any of the methods described above.

[0096] Figure 7 This is a schematic diagram of the structure of an electronic device according to an embodiment of this application. Please refer to it. Figure 7 At the hardware level, the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and memory. The memory may include main memory, such as high-speed random-access memory (RAM), or non-volatile memory, such as at least one disk drive. Of course, the electronic device may also include other hardware required for other business operations.

[0097] The processor, network interface, and memory can be interconnected via an internal bus, which can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, or an EISA (Extended Industry Standard Architecture) bus, etc. This bus can be divided into address bus, data bus, control bus, etc. For ease of representation, Figure 7 The symbol is represented by a single double-headed arrow, but this does not mean that there is only one bus or one type of bus.

[0098] Memory is used to store programs. Specifically, programs may include program code, which includes computer operation instructions. Memory may include main memory and non-volatile memory, and provides instructions and data to the processor.

[0099] The processor reads the corresponding computer program from non-volatile memory into main memory and then runs it, forming a transaction clearing device at the logical level. The processor executes the program stored in memory and specifically performs the following operations: checks the status of the transaction data to be processed to determine the target transaction data that meets the clearing status requirements; calculates the clearing verification benchmark value of the target transaction data and generates a clearing task; performs transaction clearing based on the target transaction data according to the clearing task to generate clearing results; performs consistency verification on the clearing results based on the clearing verification benchmark value, and sends the clearing results up if the verification passes.

[0100] The above is as stated in this application. Figure 6 The transaction clearing device method disclosed in the illustrated embodiments can be applied to a processor or implemented by a processor. The processor may be an integrated circuit chip with signal processing capabilities. During implementation, each step of the above method can be completed by integrated logic circuits in the processor's hardware or by instructions in software form. The processor can be a general-purpose processor, including a Central Processing Unit (CPU), a Network Processor (NP), etc.; it can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components. It can implement or execute the methods, steps, and logic block diagrams disclosed in the embodiments of this application. The general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in the embodiments of this application can be directly embodied in the execution of a hardware decoding processor, or executed by a combination of hardware and software modules in the decoding processor. The software module can reside in a mature storage medium in the field, such as random access memory, flash memory, read-only memory, programmable read-only memory, electrically erasable programmable memory, or registers. This storage medium is located in memory, and the processor reads information from the memory and, in conjunction with its hardware, completes the steps of the above method.

[0101] The electronic device can also perform Figure 6 The method for execution by the transaction clearing device, and the implementation of the transaction clearing device in... Figure 6 The functions of the embodiments shown are not described in detail here.

[0102] This application also proposes a computer-readable storage medium that stores one or more programs, the programs including instructions that, when executed by an electronic device including multiple applications, enable the electronic device to perform... Figure 6 The method executed by the transaction clearing device in the illustrated embodiment is specifically used to perform the following: perform status detection on the transaction data to be processed to determine the target transaction data that meets the clearing status requirements; calculate the clearing verification benchmark value of the target transaction data and generate a clearing task; perform transaction clearing based on the target transaction data according to the clearing task to generate a clearing result; perform consistency verification on the clearing result based on the clearing verification benchmark value, and send the clearing result up if the verification passes.

[0103] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0104] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0105] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0106] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0107] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0108] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0109] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0110] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0111] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0112] The above description is merely an embodiment of this application and is not intended to limit this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principle of this application should be included within the scope of the claims of this application.

Claims

1. A transaction clearing and settlement method, executed by an Internet Data Center (IDC), wherein, The method comprises: state detection on the to-be-processed transaction data to determine target transaction data meeting the requirements of the state of the transaction; statistical collection of a verification reference value of the target transaction data and generation of a transaction clearing task; transaction clearing based on the target transaction data according to the transaction clearing task to generate a transaction clearing result; consistency verification of the transaction clearing result based on the verification reference value, and submission of the transaction clearing result in the case of passing the verification; the state detection is used to detect whether the transaction is complete; the state detection on the to-be-processed transaction data to determine target transaction data meeting the requirements of the state of the transaction comprises: detection of whether the transaction corresponding to the to-be-processed transaction data is in a terminal state; if all are in the terminal state, it is determined that the to-be-processed transaction data is target transaction data meeting the requirements of the state of the transaction; the method further comprises: setting a control strategy of the transaction clearing, the control strategy of the transaction clearing comprising: if the proportion of the target transaction data meeting the requirements of the state of the transaction in the to-be-processed transaction data is lower than a first threshold value, the transaction clearing is terminated; or, if the target transaction data meeting the requirements of the state of the transaction is less than a second threshold value, the transaction clearing is terminated; or, if transaction data not meeting the requirements of the state of the transaction is detected, the transaction clearing is terminated; the transaction clearing based on the target transaction data to generate a transaction clearing result comprises: transaction clearing in stages according to a plurality of preset levels to obtain a transaction clearing result corresponding to each level; wherein the transaction clearing result of the lowest level is generated according to the target transaction data, and the transaction clearing result of other levels is generated according to the transaction clearing result of the adjacent lower level; the transaction clearing in stages according to a plurality of preset levels to obtain a transaction clearing result corresponding to each of the levels comprises: reading the target transaction data in turns, and the amount of the target transaction data read in each turn does not exceed a preset value; for the target transaction data read in each turn, after obtaining the transaction clearing result of the turn, the transaction clearing result of the turn is subjected to accuracy verification through the principle of balance between borrowing and lending; in the case that the transaction clearing result of the turn passes the accuracy verification, the transaction clearing result of the lowest level is updated according to the transaction clearing result of the turn, and the step of reading the target transaction data of the next turn is executed.

2. The method of claim 1, wherein, The statistical collection of the verification reference value of the target transaction data comprises statistical collection of at least one of the following information of the target transaction data: total number, total amount, and clearing library table directory.

3. The method of claim 1, wherein, The method further comprises: for each level of the transaction clearing result, accuracy verification is performed through the principle of balance between borrowing and lending.

4. The method of claim 3, wherein, The transaction clearing in stages according to a plurality of preset levels comprises: after the transaction clearing result of one level passes the accuracy verification, transaction clearing of a higher level adjacent to the level is executed.

5. The method of any one of claims 1 to 4, wherein, The plurality of preset levels are in turn a table level, a library level, and an IDC level from low to high.

6. The method of claim 5, wherein, The submission of the transaction clearing result in the case of passing the verification comprises: the transaction clearing result of the IDC level is summarized, and the batch transaction clearing result formed is sent to an account reconciliation system for account reconciliation.

7. A transaction clearing and settlement device applied to a network data center (IDC), wherein, The device is used to execute the method of any one of claims 1-6.

8. A transaction clearing and settlement system comprising a plurality of network data center (IDCs), wherein, At least part of the IDC is provided with the transaction clearing device according to claim 7.

9. An electronic device, comprising: a processor; and a memory arranged to store computer-executable instructions that, when executed, cause the processor to perform the method of any of claims 1-6.

10. A computer-readable storage medium storing one or more programs, which, when executed by an electronic device with multiple applications, cause the electronic device to perform the method of any of claims 1-6. ​

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