Inter-bank bond transaction settlement progress query interaction method, medium and equipment

Abstract

The invention relates to an inter-bank transaction settlement progress query interaction method, which comprises the following steps that: two entity keys are respectively inserted into two exclusive terminals connected to a private network, and respectively acquire progress query permissions from two official platforms, and the two networked exclusive terminals respectively establish local area connection with a local terminal which is not connected to the Internet; the local terminal establishes a local server and establishes local area connection with a plurality of internal terminals connected to the Internet, an internal user initiates a query request on the internal terminals, and the query request is sent to the local server through the local area connection; and the local server establishes a sequential circular queue according to the time sequence of the query request initiated by the internal user, identifies a client associated with the query request, and retrieves whether the query result associated with the client exists in the downloaded query results on the same day. Therefore, a large number of unnecessary data requests are prevented from being intensively initiated to an official platform in a short time.

Description

Technical Field

[0001] The present application relates to the technical field of financial systems, and in particular to an interactive method, medium and device for querying the settlement progress of inter-bank bond transactions. Background Art

[0002] In the business scope of the entire financial industry and asset management industry, bond transactions account for a large proportion. In bond transactions, there are mainly two markets, the exchange market and the interbank market. In the normal operation process, if bonds are to be bought and sold in the interbank market, the buyer and the seller must first reach a cooperation intention at the foreign exchange trading center, and then, depending on the type of bonds, the bond transfer and payment settlement are carried out on the online platform of China Securities Depository and Clearing Co., Ltd. (referred to as China Bond Depository and Clearing Co., Ltd.) or the online platform of Shanghai Clearing Corporation Limited (referred to as Shanghai Clearing House). For a transaction, it will not be related to two platforms at the same time, but the same customer may have transaction content on two platforms at the same time, and multiple transactions on the two platforms may belong to the related transactions of the same large transaction, making it very difficult to monitor the progress of the transaction.

[0003] In addition, both parties of the transaction need to log in to the two platforms to check the progress of the transaction. To log in to the account, the financial institution needs to apply for a physical key from the platform and connect to a dedicated network to log in successfully. For a financial institution, there are usually only 1-2 physical keys, which are plugged into different computers for logging in. However, the transaction volume of bonds may be dozens or even hundreds a day, and it also involves different business departments and business personnel. This will result in insufficient keys. If you want to check the transaction status, you need to leave your workstation and check it on a designated computer. In many cases, you need to queue up.

[0004] The current practice is that before internal employees initiate a request, all transaction information and progress information of the institution are automatically downloaded from the official platform to the local database. Internal employees can then view the transaction progress data related to themselves at any time through the local database, thereby bypassing the many restrictions of the official platform. In essence, scripts are used to replace manual step-by-step click operations, but the frequency is extremely high, and it is for all the data of the institution, rather than for a certain transaction of a certain salesperson of the institution. However, although this is convenient for financial institutions, it has caused unnecessary load on the official platform's server, resulting in the official platform introducing various measures to restrict such script behavior.

[0005] Therefore, it is necessary to provide a method that enables multiple people to jointly view the debt transaction details of ChinaBond and Shanghai Clearing House, while avoiding the intensive initiation of a large number of unnecessary data requests to the outside in a short period of time. Summary of the invention

[0006] The purpose of this application is to provide an inter-bank transaction settlement progress query interaction method, the method comprising the steps of:

[0007] The two physical keys are respectively inserted into two dedicated terminals connected to a dedicated network, and progress query permissions are obtained from two official platforms respectively. The two networked dedicated terminals respectively establish a local area connection with a local terminal that is not connected to the Internet;

[0008] The local terminal establishes a local server and establishes a local area connection with multiple internal terminals connected to the Internet. The internal user initiates a query request on the internal terminal, and the query request is sent to the local server via the local area connection;

[0009] The local server establishes a sequential circular queue according to the time when the internal user initiates the query request, identifies the customer associated with the query request, and searches the query results downloaded on the day to see whether there is a query result associated with the customer. If there is a query result associated with the customer, it is sent to the internal terminal;

[0010] At every interval T, one of the query requests in the sequential circular queue is distributed to one of the two official platforms associated with the query request, and the other official platform is queried whether the institution has other transactions with the client.

[0011] Preferably, the official platform returns the first query result for the query request to the dedicated terminal, and transmits it to the local server of the local terminal via the local area connection. The query result is stored in the local server and sent to the internal terminal that initiated the query request via the local area connection; wherein,

[0012] The second query result of querying another official platform whether the institution has other transactions with the customer is stored in the local server, and is packaged with the first query result and sent to the internal terminal that initiated the query request.

[0013] Preferably, multiple internal users initiate multiple query requests for the same matter at different times;

[0014] Merging the plurality of query requests into a query request that is first included in the sequential circular queue, and associating the plurality of internal users with the query request;

[0015] Identify the customer associated with the query request first included in the sequential circular queue, and search whether there is a query result associated with the customer in the query results downloaded on the day. If so, when subsequent multiple internal users initiate query requests for the same matter, the query results will be sent to the internal terminal of the internal user.

[0016] Preferably, the query requests associated with the two official platforms are located in the same sequential circular queue.

[0017] The official platform is sequentially and cyclically queried for a query request in the queue, and the first query result obtained is saved to the local server and sent to the internal terminals of multiple internal users associated with the query request; if there are other query results of the customer associated with the query request among the query results downloaded by the local server on the same day, the first query result is also sent to the internal terminals of the internal users associated with the other query results.

[0018] More preferably, determining whether the first query result is settled or unsettled;

[0019] Wherein, if the first query result is settled, the query request is removed from the sequential circular queue;

[0020] If the first query result is unsettled, the position of the query request in the sequential circular queue is maintained.

[0021] Preferably, if the second query result is: the institution and the client have other transactions on another official platform, then the second query result is further determined to be settled or unsettled;

[0022] Wherein, if the second query result is settled, sending the second query result to an internal terminal of an internal user associated with the query request;

[0023] If the second query result is unsettled and the first query result associated with the second query result is settled, an additional query request targeting tracking the second query result is automatically initiated and included in the sequential circular queue for automatic monitoring.

[0024] Preferably, the query request for one official platform and the additional query request for another official platform are in the same sequential circular queue.

[0025] If the query times of any query request is greater than or equal to N, the query request is withdrawn from the sequential circular queue, and a review request is returned to the internal terminal of the internal user associated with the query request to avoid the same query request from continuously occupying queue resources.

[0026] More preferably, each query request in the sequential circular queue is sequentially queried, and the time interval between two query requests is T, satisfying the relationship: T≥5s, where s is the unit of seconds;

[0027] After sequentially querying each query request in the queue, return to the first query request in the queue to query again in a loop, and record the query times M of each query request;

[0028] When any of the query requests satisfies the relationship: M≥N, the query request exits the sequential circular queue, and a review request is sent to the internal terminal of the internal user associated with the query request.

[0029] A computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the processor is caused to execute the steps of the method.

[0030] A computer device comprises a memory and a processor, wherein the memory stores a computer program, and when the computer program is executed by the processor, the processor executes the steps of the method.

[0031] This application has the following beneficial effects:

[0032] Through two dedicated terminals connected to the dedicated network and the only two physical keys of the institution, the two official platforms are authenticated and logged in. A local terminal that is not connected to the Internet is used to establish a local local area connection with the dedicated terminal to realize the interaction between local query requests and official download query results. By establishing a local server in the local terminal and establishing a local local area connection with the internal terminals of multiple internal users, the query requests of the internal users for the two platforms are included in the same sequential circular queue, and queries are made to the official platform at regular intervals to avoid intensively initiating a large number of unnecessary data requests to the official platform in a short period of time. Usually, the query requests of internal users are based on transaction orders, and the same order will only be carried out on one official platform. However, for large transactions, the transactions between the institution and the customer may be scattered in several transactions and carried out in batches, and may involve two official platforms or multiple internal users. However, in essence, the transactions conducted by multiple internal users are all transactions between the institution and the same customer. In order to avoid information asymmetry, when a user initiates a query request for an official platform, the local server simultaneously initiates a query request to another official platform, and at the same time queries whether there are other transaction results related to the customer that have been downloaded on the local server that day to avoid information errors. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] In order to more clearly illustrate the implementation methods of the present application or the technical solutions in the prior art, the drawings required for use in the implementation methods or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some implementation methods of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0034] Figure 1 This is a flowchart of the method steps described in one embodiment of the present application;

[0035] Figure 2 A flowchart of the method described in one embodiment of the present application;

[0036] Figure 3 This is a structural block diagram of a computer device according to an embodiment of the present application;

[0037] Description of the accompanying figures: 100, local terminal; 110, local server; 10, user terminal; 20, physical key; 200, official platform; 30, dedicated terminal; 300, computer equipment. DETAILED DESCRIPTION

[0038] In order to facilitate the understanding of the present application, the present application will be described more fully below with reference to the relevant drawings. The preferred embodiments of the present application are given in the drawings. However, the present application can be implemented in many different forms and is not limited to the embodiments described herein. On the contrary, the purpose of providing these embodiments is to make the understanding of the disclosure of the present application more thorough and comprehensive.

[0039] Please refer to Figure 1 - Figure 3 An embodiment of the present application provides an interactive method for querying the progress of inter-bank transaction settlement, the method comprising the steps of:

[0040] S10 The two physical keys 20 are respectively inserted into two dedicated terminals connected to the dedicated network, and respectively obtain progress query permissions from the two official platforms 200, and the two networked terminals respectively establish a local area connection with a local terminal 100 that is not connected to the Internet.

[0041] Financial institutions usually have only one account on the official platform 200, corresponding to one physical key 20. If multiple departments and employees within a financial institution want to inquire about the business related to themselves, they can only log in to the account of the financial institution on the official platform 200 through the unique physical key 20, and inquire about the business progress related to the employees themselves in the account. In this embodiment, the administrator of the financial institution manages two physical keys 20, and inserts the physical key 20 into a dedicated device connected to a dedicated network, logs in to the official platform 200 to obtain progress inquiry authority. The official platform 200 refers to the online platform of China Securities Depository and Clearing Co., Ltd. (referred to as China Bond Depository and Clearing Co., Ltd.) or the online platform of Shanghai Clearing Corporation Limited (referred to as Shanghai Clearing Corporation). Currently, only these two official platforms 200 can conduct interbank debt settlement, but according to policy changes, the official platform 200 can also refer to other official institutional platforms with effectiveness.

[0042] The dedicated terminal is only used to insert the physical key 20 to log in to the official platform 200, and to exchange information with the official platform 200, including uploading local query requests to the official platform 200, and receiving downloaded query results from the official platform 200. The two dedicated terminals correspond to the two official platforms 200 one by one.

[0043] The two dedicated terminals establish a local area connection with the same local terminal 100, and the local terminal 100 is not directly connected to the Internet to ensure the security of local financial data.

[0044] S20 The local terminal 100 establishes a local server 110 and establishes a local area connection with multiple internal terminals connected to the Internet. The internal user initiates a query request on the internal terminal, and the query request is sent to the local server 110 via the local area connection.

[0045] The local terminal 100 is provided with a local server 110, and the local server 110 establishes a local area connection with the internal terminal of the internal user to ensure data transmission efficiency and security. The internal terminal is an employee's work computer, which is normally connected to the Internet. The internal user initiates a query request for a customer order on the internal terminal to query the progress of the transaction on the official platform 200.

[0046] In order to avoid a large number of requests from internal users being sent to the official platform 200 and to control the frequency of internal requests to the official platform 200, the query request is sent to the local server 110 via a local area connection instead of the Internet. The local server 110 now performs queue sorting and processes the associated transactions of the query request, and then distributes it to the official platform 200 associated with the order via the local server 110.

[0047] S30 The local server 110 establishes a sequential circular queue according to the time when the internal user initiates the query request, identifies the customer associated with the query request, and searches whether there is a query result associated with the customer in the query results downloaded on the day. If there is a query result associated with the customer, it is sent to the internal terminal.

[0048] In order to avoid repeated queries on the same transaction due to information differences between internal users, or the situation where an internal user should know that there are other related transactions for the transaction order but is not aware of it due to information differences between internal users, the local server 110 not only performs a simple queue sorting on the query request, but also tracks the customer associated with the query request and searches the local server 110 for other query records or result download records associated with the customer. If there are other query records, they will be merged as appropriate; if there are result download records, they will be notified to the internal user as appropriate.

[0049] S40 distributes one of the query requests in the sequential circular queue to one of the two official platforms 200 associated with the query request at intervals of time T, and queries the other official platform 200 whether the institution has other transactions with the customer.

[0050] In order to avoid a large transaction being split into multiple small transaction orders in a large transaction, each of which is handled by different internal users, and the transactions are scattered on two official platforms 200, resulting in information asymmetry between internal users and transaction accidents, the local server 110, when querying one official platform 200, also initiates a query to the other platform to inquire whether the customer has other transactions with the institution. Since the query requests for the two official platforms 200 are included in the same sequential circular queue, only one query request will be simultaneously initiated to the two official platforms 200 in each time interval, avoiding high-frequency query requests from the internal to the official platform 200.

[0051] At the same time, since the possible related transactions of the query request are checked at the first time of initiating the query, it is avoided that multiple internal users repeatedly initiate query requests to the official platform 200 when they discover the existence of other related transactions afterwards. Hidden dangers are checked in advance, and internal user management chaos caused by information asymmetry is avoided, which in turn causes repeated and invalid query requests to the outside.

[0052] The following is a specific application scenario example to facilitate the understanding of this solution.

[0053] Scenario description:

[0054] This financial institution (hereinafter referred to as "this institution") has two transactions with its transaction counterparts, Customer A and Customer B:

[0055] Client A's transaction completes fund settlement at the Shanghai Clearing House and is handled by internal user A.

[0056] Client B's transaction completes fund settlement at ChinaBond and is handled by internal user B.

[0057] Internal user A wants to check the transaction settlement progress of customer A.

[0058] Internal user B wants to check the transaction settlement progress of customer B.

[0059] Step S10: Log into the official platform 200 with the physical key 20 and the dedicated terminal. The administrator inserts the two physical keys 20 into the dedicated terminal respectively:

[0060] Dedicated terminal 1: Log in to the ChinaBond platform.

[0061] Dedicated terminal 2: Log in to the SHSE platform.

[0062] The two dedicated terminals respectively establish local area connections with the local terminal 100 to complete the authorized login.

[0063] Step S20: Internal user initiates a query request

[0064] Internal user A submits a request to query the transaction settlement progress of customer A on his internal terminal.

[0065] Internal user B submitted a request to query the transaction settlement progress of client B on his internal terminal.

[0066] The query request is sent to the local server 110 via the local area network.

[0067] Step S30: The local server 110 queues sort and associates the search. The local server 110 establishes a sequential circular queue according to the order in which the requests arrive:

[0068] User A's client A transaction request (target platform: Shanghai Clearing House).

[0069] User B's client B transaction request (target platform: China Bond Depository and Clearing Corporation).

[0070] The server identifies the transaction object for each query request:

[0071] Internal user A's request is associated with customer A.

[0072] Internal user B's request is associated with customer B.

[0073] The local server 110 retrieves the query results downloaded on the day and processes them as follows:

[0074] Case 1: The result is that there is a transaction result between the institution and the customer, but it is not the transaction queried this time. If the retrieved result is related to the customer, but it is not the transaction currently requested, the result is sent to the internal user terminal 10 that initiated the request as reference information. The current request continues to wait in the queue and the query operation is performed in order.

[0075] Case 2: If the result is that there is a transaction result between the institution and the customer, and it is the transaction being queried, the result is sent to the internal user terminal 10 that initiated the request. The request is marked as completed and removed from the queue, ending the query.

[0076] Case 3: No matching results. If no results associated with the client are downloaded on that day, the current request continues to remain in the queue, waiting to be sent to the official platform 200 for query in sequence.

[0077] Step S40: Request distribution and associated transaction check. Every T seconds, the local server 110 distributes the requests in the queue to the corresponding platforms in turn:

[0078] Initiate a transaction settlement inquiry for client A to Shanghai Clearing House, and at the same time inquire with China Bond Depository and Clearing Corporation whether the institution has other unsettled transactions with client A.

[0079] Initiate a transaction settlement inquiry of Client B to ChinaBond, and at the same time inquire with Shanghai Clearing House whether the institution has other unsettled transactions with Client B.

[0080] More preferably, step S40 also includes step S50: the official platform 200 returns a first query result for the query request to the dedicated terminal 30, and transmits it to the local server 110 of the local terminal 100 via the local area connection; the query result is stored in the local server 110 and sent to the internal terminal that initiated the query request via the local area connection.

[0081] Among them, the second query result of querying another official platform 200 whether the institution has other transactions with the customer is stored in the local server 110, and is packaged with the first query result and sent to the internal terminal that initiated the query request at the same time.

[0082] More preferably, if multiple internal users initiate multiple query requests for the same matter at different times, the multiple query requests are merged into a query request that is first included in the sequential circular queue, and the multiple internal users are associated with the query request.

[0083] Identify the customer associated with the query request that is first included in the sequential circular queue, and search whether there is a query result associated with the customer in the query results downloaded on the day. If so, when subsequent multiple internal users initiate query requests for the same matter, the query results will be sent to the internal terminal of the internal user to avoid wasting queue resources and reduce the frequency of initiating queries to the official platform 200.

[0084] Preferably, the query requests associated with the two official platforms 200 are placed in the same sequential circular queue. This is different from establishing two queues for official platform 2001 and official platform 2002 respectively. No matter which official platform 200 the query request initiated by the internal user is for, it will be included in the same sequential circular queue for sorting query.

[0085] Among them, the query request in the queue is queried sequentially and cyclically to the official platform 200, and the first query result obtained is saved to the local server 110 and sent to the internal terminals of multiple internal users associated with the query request; if there are other query results of the customer associated with the query request in the query results downloaded by the local server 110 on the same day, the first query result is also sent to the internal terminal of the internal user associated with the other query results.

[0086] More preferably, determining whether the first query result is settled or unsettled;

[0087] If the first query result is settled, the query request is removed from the sequential circular queue to avoid continuing to occupy queue resources.

[0088] If the first query result is unsettled, the position of the query request in the sequential circular queue is maintained to continue the circular queue query.

[0089] More preferably, if the second query result is: the institution and the client have other transactions on another official platform 200, then it is further determined whether the second query result is settled or unsettled.

[0090] If the second query result is settled, the second query result is sent to an internal terminal of the internal user associated with the query request.

[0091] If the second query result is unsettled, and the first query result associated with the second query result is settled, an additional query request is automatically initiated to track the second query result, and is automatically monitored in the sequential circular queue to avoid internal users making wrong judgments on the transaction progress due to information asymmetry in large transactions.

[0092] More preferably, a query request for one official platform 200 and an additional query request for another official platform 200 are located in the same sequential circular queue to reduce the frequency of initiating queries to the official platform 200 .

[0093] If the query times of any query request is greater than or equal to N, the query request is withdrawn from the sequential circular queue, and a review request is returned to the internal terminal of the internal user associated with the query request to avoid the same query request from continuously occupying queue resources.

[0094] More preferably, each query request in the sequential circular queue is sequentially queried, and the time interval between two query requests is T, satisfying the relationship: T≥5s, where s is the unit of seconds;

[0095] After sequentially querying each of the query requests in the queue, return to the first query request in the queue to restart the loop query, and record the query times M of each query request.

[0096] When any one of the query requests satisfies the relational expression: M≥N, the query request exits the sequential loop queue and sends a review requirement to the internal terminal of the internal user associated with the query request. This is to prevent the same query request from occupying too much queue resources, thereby indirectly reducing the frequency of queries to the official platform 200.

[0097] For the sake of easy understanding, the following is a specific application example:

[0098] Initial state of the queue:

[0099] Request of internal user A (Customer A, target: Shanghai Clearing House, M = 0).

[0100] Request of internal user B (Customer B, target: China Central Depository & Clearing Co., Ltd., M = 0).

[0101] First round of query:

[0102] Time t0: Query the request of internal user A (Customer A).

[0103] Query the transaction result of Customer A, and at the same time check whether Customer A has other unsettled transactions at China Central Depository & Clearing Co., Ltd.

[0104] M_A = 1.

[0105] Time t0 + T: Query the request of user B (Customer B).

[0106] Query the transaction result of Customer B, and at the same time check whether Customer B has other unsettled transactions at Shanghai Clearing House.

[0107] M_B = 1.

[0108] Second round of query:

[0109] The queue still maintains the order:

[0110] Request of user A (Customer A, M = 1).

[0111] Request of user B (Customer B, M = 1).

[0112] Time t0 + 2T: Query the request of user A (Customer A), M_A = 2.

[0113] Time t0 + 3T: Query the request of user B (Customer B), M_B = 2.

[0114] Third round of query:

[0115] Time t0 + 4T: Query the request of User A (Customer A), M_A = 3.

[0116] Trigger the exit condition: The request of User A satisfies M ≥ 3.

[0117] Request to remove from the queue and send a review requirement to the terminal of User A.

[0118] Time t0 + 5T: Query the request of User B (Customer B), M_B = 3.

[0119] Trigger the exit condition: The request of User B satisfies M ≥ 3.

[0120] Request to remove from the queue and send a review requirement to the terminal of User B.

[0121] Figure 3 The internal structure diagram of the computer device 300 in an embodiment is shown. The computer device 300 can specifically be a terminal or a server. As Figure 3 shown, the computer device 300 includes a processor, a memory, and a network interface connected by a bus. Among them, the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device 300 stores an operating system and can also store a computer program. When the computer program is executed by the processor, the processor can implement the method described in this embodiment. The internal memory can also store a computer program. When the computer program is executed by the processor, the processor can execute the method described in this embodiment. Those skilled in the art can understand that Figure 3 the structure shown in

[0122] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the program can be stored in a non-volatile computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

[0123] In this way, two dedicated terminals connected to a dedicated network cooperate with the only two physical keys 20 of the organization to authenticate and log in to the two official platforms 200, and a local terminal 100 that is not connected to the Internet establishes a local area connection with the dedicated terminal to realize the interaction between the local query request and the official download query result. By establishing a local server 110 on the local terminal 100 and establishing a local area connection with the internal terminals of multiple internal users, the query requests of the internal users for the two platforms are included in the same sequential circular queue, and queries are made to the official platform 200 at regular intervals to avoid intensively initiating a large number of unnecessary data requests to the official platform 200 in a short period of time. Usually, the query request of internal users is based on the transaction order, and the same order will only be carried out on one official platform 200. However, for large transactions, the transactions between the institution and the customer may be carried out in batches over several transactions, and may involve two official platforms 200, or involve multiple internal users. However, in essence, the transactions conducted by multiple internal users are all transactions between the institution and the same customer. In order to avoid information asymmetry, when a user initiates a query request for an official platform 200, the local server 110 simultaneously initiates a query request to another official platform 200, and at the same time queries whether there are other transaction results related to the customer that have been downloaded on the same day in the local server 110, so as to avoid information errors.

[0124] The above-mentioned embodiments only express several embodiments of the present application, and the description is relatively specific and detailed, but it cannot be understood as limiting the scope of the patent application. It should be pointed out that for ordinary technicians in this field, several variations and improvements can be made without departing from the concept of the present application, which all belong to the protection scope of the present application.

Claims

1. An interactive method for querying the progress of inter-bank transaction settlement, characterized in that: The method comprises the steps of: The two physical keys are respectively inserted into two dedicated terminals connected to a dedicated network, and progress query permissions are obtained from two official platforms respectively. The two networked dedicated terminals respectively establish a local area connection with a local terminal that is not connected to the Internet; The local terminal establishes a local server and establishes a local area connection with multiple internal terminals connected to the Internet. The internal user initiates a query request on the internal terminal, and the query request is sent to the local server via the local area connection; The local server establishes a sequential circular queue according to the time when the internal user initiates the query request, identifies the customer associated with the query request, and searches the query results downloaded on the day to see whether there is a query result associated with the customer. If there is a query result associated with the customer, it is sent to the internal terminal; At every interval T, one of the query requests in the sequential circular queue is distributed to one of the two official platforms associated with the query request, and the other official platform is queried whether the institution has other transactions with the client.

2. The method for querying the progress of inter-bank transaction settlement according to claim 1, characterized in that: The official platform returns the first query result for the query request to the dedicated terminal, and transmits it to the local server of the local terminal via the local area connection. The query result is stored in the local server and sent to the internal terminal that initiated the query request via the local area connection; wherein, The second query result of querying another official platform whether the institution has other transactions with the customer is stored in the local server, and is packaged with the first query result and sent to the internal terminal that initiated the query request.

3. The method for querying the progress of inter-bank transaction settlement according to claim 2, characterized in that: Multiple internal users initiate multiple query requests for the same matter at different times; Merging a plurality of the query requests into a query request that is first included in the sequential circular queue, and associating a plurality of internal users with the query request; Identify the customer associated with the query request first included in the sequential circular queue, and search whether there is a query result associated with the customer in the query results downloaded on the day. If so, when subsequent multiple internal users initiate query requests for the same matter, the query results will be sent to the internal terminal of the internal user.

4. The method for querying the progress of inter-bank transaction settlement according to claim 3, characterized in that: The query requests associated with the two official platforms are located in the same sequential circular queue. The official platform is sequentially and cyclically queried for a query request in the queue, and the first query result obtained is saved to the local server and sent to the internal terminals of multiple internal users associated with the query request; If there are other query results of the client associated with the query request in the query results downloaded by the local server on the day, the first query result is also sent to the internal terminal of the internal user associated with the other query results.

5. The method for querying the progress of inter-bank transaction settlement according to claim 4, characterized in that: Determining whether the first query result is settled or unsettled; Wherein, if the first query result is settled, the query request is removed from the sequential circular queue; If the first query result is unsettled, the position of the query request in the sequential circular queue is maintained.

6. The method for querying the progress of inter-bank transaction settlement according to claim 5, characterized in that: If the second query result is: the institution and the client have other transactions on another official platform, then further determine whether the second query result is settled or unsettled; Wherein, if the second query result is settled, sending the second query result to an internal terminal of an internal user associated with the query request; If the second query result is unsettled and the first query result associated with the second query result is settled, an additional query request targeting tracking the second query result is automatically initiated and included in the sequential circular queue for automatic monitoring.

7. The method for querying the progress of inter-bank transaction settlement according to claim 6, characterized in that: The query request for one official platform and the additional query request for another official platform are in the same sequential circular queue. If the query times of any query request is greater than or equal to N, the query request is withdrawn from the sequential circular queue, and a review request is returned to the internal terminal of the internal user associated with the query request to avoid the same query request from continuously occupying queue resources.

8. The method for querying the progress of inter-bank transaction settlement according to claim 7, characterized in that: Sequentially query each query request in the sequential circular queue, and the time interval between two query requests is T, satisfying the relationship: T≥5s, where s is the unit of seconds; After sequentially querying each query request in the queue, return to the first query request in the queue to query again in a loop, and record the query times M of each query request; When any of the query requests satisfies the relationship: M≥N, the query request exits the sequential circular queue, and a review request is sent to the internal terminal of the internal user associated with the query request.

9. A computer-readable storage medium, characterized in that: A computer program is stored, and when the computer program is executed by a processor, the processor is caused to execute the steps of any one of the methods according to claims 1-8.

10. A computer device, characterized in that: The method comprises a memory and a processor, wherein the memory stores a computer program, and when the computer program is executed by the processor, the processor executes the steps of any one of the methods according to claims 1 to 8.

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