Fund circulation and settlement method and device based on electronic certificate and electronic equipment

Abstract

The invention provides a fund circulation settlement method and device based on an electronic certificate and electronic equipment. A payment certificate can be sent to a proxy bank through a fund demand side; the proxy bank signs and analyzes the transaction message information in the payment voucher, and completes a corresponding fund transaction according to the transaction message information; after completing the corresponding fund transaction, the proxy bank sends a receipt voucher to the fund demander; after the fund demander signs back the bill voucher, the fund demander sends a limit voucher to the clearing bank; the agent bank sends a corresponding clearing voucher to the clearing bank after the fund demander signs the receipt voucher; and the clearing bank carries out corresponding fund clearing according to the limit voucher and the clearing voucher. According to the invention, payment can be carried out first and then settlement is carried out, the problem of multiple settlement is avoided, interaction is carried out through electronic certificates, errors caused by amount errors are avoided, a plurality of settlement banks can be configured according to needs, and the above measures can greatly improve the accuracy and efficiency of fund settlement.

Description

Technical Field

[0001] The present invention relates to the banking field, and in particular to a fund circulation and clearing method, device and electronic equipment based on electronic vouchers. Background Art

[0002] In order to meet various needs for the use and management of funds, including but not limited to treasury, margin, social security, non-tax and provident fund. At the same time, to adapt to modern payment methods, prevent payment risks, and cooperate in the disbursement of funds, banks are given clearer responsibilities. Agent banks play the role of intermediaries in the financial system, providing customers with a series of services, such as fund transfers and collection of non-tax revenues. Agent banks help customers complete cross-regional and cross-bank payment and collection operations, simplify the complex processes between customers and multiple financial institutions, and improve the convenience and efficiency of transactions. Clearing banks focus on processing inter-bank transactions to ensure the accuracy and timeliness of fund flows. Clearing banks will settle, that is, calculate the net position of each participant and transfer funds between banks to repay debts. However, due to the involvement of multiple systems and belonging to different institutions, it is easy to have multiple clearings caused by mismatched clearing amounts, and refunds when the amounts do not match, resulting in low fund clearing efficiency. Summary of the invention

[0003] In view of the above problems, the present invention provides a method, device and electronic device for fund transfer and settlement based on electronic vouchers, which overcome the above problems or at least partially solve the above problems.

[0004] In a first aspect, a fund transfer and clearing method based on electronic vouchers comprises:

[0005] The party in need of funds sends a payment voucher to the agent bank, wherein the payment voucher carries a transaction information message;

[0006] The agent bank signs for and parses the transaction message information in the payment voucher, and completes the corresponding fund transaction according to the transaction message information;

[0007] After completing the corresponding fund transaction, the agent bank sends a receipt voucher to the fund demander, wherein the receipt voucher carries the completion information of the fund transaction, and the voucher number of the receipt voucher is consistent with the voucher number of the payment voucher;

[0008] After the fund demander signs for the receipt voucher, it sends the credit limit voucher to the clearing bank;

[0009] After the fund demander signs for the receipt voucher, the agent bank sends the corresponding clearing voucher to the clearing bank;

[0010] The clearing bank performs corresponding fund clearing according to the credit limit certificate and the clearing certificate.

[0011] Optionally, in some optional implementations, the fund demander sends a payment voucher to the agent bank, including:

[0012] The fund demander generates a corresponding payment XML message based on the entered transaction information, wherein the transaction information includes: a zone code, payee information and fund amount;

[0013] The party in need of funds calls the payment voucher and sends the payment XML message to the agent bank through the payment voucher.

[0014] Optionally, in some optional implementations, the agent bank signs for and parses the transaction message information in the payment voucher, and completes the corresponding fund transaction according to the transaction message information, including:

[0015] The agent bank signs for the payment voucher and updates the receipt status of the payment voucher to "signed for";

[0016] The agent bank parses the payment XML message in the payment voucher to obtain the transaction information carried therein;

[0017] The agent bank transfers the funds to the corresponding account based on the transaction information obtained through analysis, thereby completing the corresponding fund transaction.

[0018] Optionally, in some optional implementations, after completing the corresponding fund transaction, the agent bank sends a receipt voucher to the fund demander, including:

[0019] After completing the corresponding fund transaction, the agent bank assembles the completion information of the fund transaction into a receipt XML message;

[0020] The agent bank calls the receipt voucher and sends the receipt XML message to the fund demander through the receipt voucher.

[0021] Optionally, in some optional implementations, after the fund demander signs for the receipt voucher, the fund demander sends a credit voucher to the clearing bank, including:

[0022] The party in need of funds signs for the receipt voucher;

[0023] The fund demander parses the receipt XML message in the receipt voucher to obtain the completion information of the fund transaction;

[0024] If the completion information of the fund transaction indicates that the agent bank has successfully completed the corresponding fund transaction, the fund demander sends a credit limit certificate to the clearing bank, wherein the credit limit certificate carries a credit limit XML message, and the credit limit XML message is generated based on the fund limit, zone code, and voucher number of the payment voucher.

[0025] Optionally, in certain optional implementations, after the fund demander parses the receipt XML message in the receipt voucher to obtain the completion information of the fund transaction, the method further includes:

[0026] If the completion information of the fund transaction indicates that the agent bank has failed in the corresponding fund transaction, adjustments are made according to the cause of the failure and the payment voucher is resent to the agent bank.

[0027] Optionally, in some optional implementations, after the fund demander signs for the receipt voucher, the agent bank sends the corresponding clearing voucher to the clearing bank, including:

[0028] After the fund demander signs for the receipt voucher, the agent bank assembles the clearing amount, zone code, receiving account number and voucher number of the payment voucher into a clearing XML message;

[0029] The agent bank calls the clearing certificate and sends the clearing XML message to the clearing bank through the clearing certificate, thereby initiating a clearing request to the clearing bank.

[0030] Optionally, in certain optional implementations, the clearing bank performs corresponding fund clearing according to the credit limit certificate and the clearing certificate, including:

[0031] The clearing bank signs for the credit limit certificate and the clearing certificate;

[0032] The clearing bank parses the XM messages of the credit voucher and the clearing voucher respectively, wherein the voucher number of the payment voucher included in the XML message of the credit voucher is consistent with the voucher number of the payment voucher included in the XM message of the clearing voucher;

[0033] The clearing bank compares the amount carried in the credit voucher with the amount carried in the clearing voucher;

[0034] If the amount in the credit voucher is consistent with the amount in the clearing voucher, the clearing bank will transfer the corresponding amount of funds to the agent bank and generate a clearing receipt to send to the fund demander and the agent bank;

[0035] If the amount carried in the credit voucher is consistent with the amount carried in the settlement voucher, an error receipt indicating the amount does not match is generated and sent to the party in need of funds and the agent bank.

[0036] In a second aspect, a fund transfer and clearing device based on electronic vouchers includes: a fund demander, an agent bank and a clearing bank;

[0037] The fund demander comprises: a payment voucher sending unit and a credit voucher sending unit;

[0038] The agent bank includes: a payment voucher parsing unit, a receipt voucher sending unit and a clearing voucher sending unit;

[0039] The clearing bank includes: a funds clearing unit;

[0040] The payment voucher sending unit is used to send the payment voucher to the agent bank, wherein the payment voucher carries the transaction information message;

[0041] The payment voucher parsing unit is used to sign and parse the transaction message information in the payment voucher, and complete the corresponding fund transaction according to the transaction message information;

[0042] The receipt voucher sending unit is used to send a receipt voucher to the fund demander after completing the corresponding fund transaction, wherein the receipt voucher carries the completion information of the fund transaction, and the voucher number of the receipt voucher is consistent with the voucher number of the payment voucher;

[0043] The credit voucher sending unit is used to send the credit voucher to the clearing bank after signing the receipt voucher;

[0044] The clearing certificate sending unit is used to send the corresponding clearing certificate to the clearing bank after the fund demander signs for the receipt certificate;

[0045] The fund clearing unit is used by the clearing bank to perform corresponding fund clearing according to the credit limit certificate and the clearing certificate.

[0046] In a third aspect, an electronic device comprises at least one processor, and at least one memory and a bus connected to the processor; wherein the processor and the memory communicate with each other via the bus; and the processor is used to call program instructions in the memory to execute any of the electronic certificate-based funds circulation and settlement methods described above.

[0047] By means of the above technical scheme, the present invention provides a method, device and electronic device for fund flow and clearing based on electronic vouchers, which can enable the party in need of funds to send a payment voucher to an agent bank, wherein the payment voucher carries a transaction information message; the agent bank signs for and parses the transaction message information in the payment voucher, and completes the corresponding fund transaction according to the transaction message information; after completing the corresponding fund transaction, the agent bank sends a receipt voucher to the party in need of funds, wherein the receipt voucher carries the completion information of the fund transaction, and the voucher number of the receipt voucher is consistent with the voucher number of the payment voucher; after the party in need of funds signs for the receipt voucher, the party in need of funds sends a credit voucher to the clearing bank; after the party in need of funds signs for the receipt voucher, the agent bank sends the corresponding clearing voucher to the clearing bank; the clearing bank performs corresponding fund clearing according to the credit voucher and the clearing voucher. It can be seen from this that the present invention can pay first and then settle, avoiding the problem of multiple settlements caused by clearing first and then paying but failing to settle completely, and the present invention interacts through electronic vouchers to avoid errors caused by incorrect amounts, and the present invention can also configure multiple clearing banks as needed. The above measures can greatly improve the accuracy and efficiency of fund clearing.

[0048] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented according to the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] Various other advantages and benefits will become apparent to those of ordinary skill in the art by reading the detailed description of the preferred embodiments below. The accompanying drawings are only for the purpose of illustrating the preferred embodiments and are not to be considered as limiting the present invention. Moreover, the same reference symbols are used throughout the accompanying drawings to represent the same components. In the accompanying drawings:

[0050] Figure 1 A flow chart showing a first electronic voucher-based fund transfer and clearing method provided by the present invention;

[0051] Figure 2 A flow chart showing a second electronic voucher-based fund transfer and clearing method provided by the present invention;

[0052] Figure 3 A flow chart showing a third electronic voucher-based fund transfer and clearing method provided by the present invention;

[0053] Figure 4 A flowchart of a fourth electronic voucher-based fund transfer and settlement method provided by the present invention is shown;

[0054] Figure 5 A schematic diagram of the structure of a fund transfer and clearing device based on electronic vouchers provided by the present invention is shown;

[0055] Figure 6 A structural schematic diagram of an electronic device provided by the present invention is shown. DETAILED DESCRIPTION

[0056] The exemplary embodiments of the present invention will be described in more detail below with reference to the accompanying drawings. Although the exemplary embodiments of the present invention are shown in the accompanying drawings, it should be understood that the present invention can be implemented in various forms and should not be limited by the embodiments set forth herein. On the contrary, these embodiments are provided in order to enable a more thorough understanding of the present invention and to enable the scope of the present invention to be fully communicated to those skilled in the art.

[0057] like Figure 1 As shown, the present invention provides a fund circulation and clearing method based on electronic vouchers, including: S100, S200, S300, S400, S500 and S600;

[0058] S100: The fund demander sends a payment voucher to the agent bank, wherein the payment voucher carries a transaction information message;

[0059] Optionally, the party in need of funds mentioned in the present invention can be understood as the party that needs to use funds, and the user can input the fund usage details of the funds required by the party in need of funds into the corresponding system, so that the system can generate a corresponding transaction information message based on the various transaction information in the fund usage details, and send it through a payment voucher.

[0060] For example, in some optional embodiments, the S100 includes: step 1.1 and step 1.2;

[0061] Step 1.1, the fund demander generates a corresponding payment XML message according to the entered transaction information, wherein the transaction information includes: zone code, payee information and fund amount;

[0062] Step 1.2: The party in need of funds calls the payment voucher and sends the payment XML message to the agent bank through the payment voucher.

[0063] Optionally, the vouchers (including: payment vouchers, receipt vouchers, quota vouchers and clearing vouchers, etc.) mentioned in the present invention refer to electronic vouchers. Electronic vouchers are used to carry message information and simulate paper vouchers. Traditional transactions require carrying paper vouchers to the counter for transactions. The paper vouchers are stamped with the seal of the party in need of funds, and the counter staff verifies the seal before conducting transactions. This method is cumbersome and inefficient. The electronic voucher used in the present invention carries an electronic seal number. The agent bank also needs to verify whether the electronic seal matches and then parse to obtain the XML message for subsequent transactions. The present invention does not limit this.

[0064] Optionally, the XML message mentioned in the present invention refers to "Extensible Markup Language Message" (XML message for short). The present invention does not elaborate on the message. For details, please refer to the relevant description in the field. It should be noted that: the corresponding payment XML message is generated based on the transaction information. Conversely, the message can be parsed later to obtain the corresponding transaction information. The present invention does not limit this.

[0065] Optionally, the district code mentioned in the present invention is the code for dividing different areas within the bank, and can also be an existing administrative district code, and the present invention does not impose any limitation on this.

[0066] Optionally, the payee information mentioned in the present invention may include: opening bank, account name and account number, etc., and the present invention does not limit this.

[0067] S200: The agent bank signs for and parses the transaction message information in the payment voucher, and completes the corresponding fund transaction according to the transaction message information;

[0068] Optionally, the party in need of funds calls the interface to send a payment voucher (the process for other types of vouchers is the same). In this process, an XML message is sent in coordination. After the agent bank receives the payment voucher, it verifies the electronic seal and other information, and then parses the XML message content for subsequent transaction operations. In layman's terms, during the transmission process, the voucher is like an envelope, and the XML message is like the content of the letter. The content of the letter is checked only after the content on the envelope is verified to be correct.

[0069] That is, in some optional embodiments, the S200 includes: step 2.1, step 2.2 and step 2.3;

[0070] Step 2.1: The agent bank signs for the payment voucher and updates the receipt status of the payment voucher to "signed for".

[0071] Step 2.2: The agent bank parses the payment XML message in the payment voucher to obtain the transaction information carried therein;

[0072] Step 2.3: The agent bank transfers the funds to the corresponding account according to the transaction information obtained through analysis, thereby completing the corresponding fund transaction.

[0073] Optionally, the receipt status of the voucher can be divided into five types: unreceived, received, unreceived, received and returned. The receiving status and the receipt status are determined by different flags, namely ACC_FLAG (receiving status) and OK_FLAG (receiving status). When ACC_FLAG is 0, it means unreceived, and ACC_FLAG is 1, it means received; OK_FLAG is 0, it means unreceived, ACC_FLAG is 1, it means received, and ACC_FLAG is 2, it means returned. For example, the sender's voucher library system sends the voucher to the receiver's voucher library system. After receiving it, the receiver synchronizes the voucher ACC_FLAG (receiving status) to 1, which means it has been received; then verify whether the electronic seal is valid. If it is valid, sign for it and synchronize OK_FLAG (receiving status) to 1, which means it has been received. If it is invalid, return the order, attach the return reason for the failure of the seal verification, and set OK_FLAG (receiving status) to 2 for return. The receiving status and signing status can be used to accurately determine where the communication problem lies. For example, after the sender sends a payment voucher to the receiver, the receiving status is always "not received". It can be determined that there is a communication problem in the voucher library systems of both parties, resulting in the receiver being unable to receive the voucher. If the voucher status is "received" but not signed for, it means that the receiver's scheduled signing program has not yet run or the signing program has failed. If the voucher status is "returned", adjustments can be made based on the reason for the return.

[0074] Optionally, the agent bank signs for the voucher, and the voucher status is signed, and then parses the XML message in the voucher to obtain the transaction information, and completes the transaction based on the information. For example, the salary is paid to the corresponding account, and the agent bank completes the advance payment.

[0075] S300: After completing the corresponding fund transaction, the agent bank sends a receipt voucher to the fund demander, wherein the receipt voucher carries the completion information of the fund transaction, and the voucher number of the receipt voucher is consistent with the voucher number of the payment voucher;

[0076] For example, in some optional embodiments, the S300 includes: step 3.1 and step 3.2;

[0077] Step 3.1, after completing the corresponding fund transaction, the agent bank assembles the completion information of the fund transaction into a receipt XML message;

[0078] Step 3.2: The agent bank calls the receipt voucher and sends the receipt XML message to the fund demander through the receipt voucher.

[0079] Optionally, the completion information mentioned in the present invention is not necessarily information indicating a successful fund transaction, but may also be information to ensure the failure of the fund transaction, and the present invention does not impose any limitation on this.

[0080] That is, after completing the transaction, the agent bank can assemble the transaction completion status into an XML message and send it to the fund demander through a voucher. The voucher number of the voucher is the same as the payment voucher, which is the receipt. The fund demander signs the receipt and parses the XML message to obtain the agent bank's transaction status. If the agent bank transaction fails, it will make adjustments based on the reason for the failure and resend the payment voucher. The agent bank can initiate clearing only after the fund demander signs the receipt.

[0081] Optionally, the transaction completion status can be characterized by a transaction success flag and failure information. For the transaction success flag: 0000 for success, and a corresponding failure code for failure, such as a balance less than 1000, agreed upon by both parties; for the failure information: describe the specific reason for failure, and it is not required to be filled in for success, and the present invention does not limit this.

[0082] Optionally, the receipt voucher refers to an electronic voucher with the same voucher number as the resent voucher, and the electronic voucher type of the receipt voucher is different from the electronic voucher type of the payment voucher. For example, the payment voucher sent by the fund demander is type 1001, voucher number S0012024072301, and the receipt voucher of the agent bank's receipt is type 1002, voucher number S0012024072301. The voucher type and voucher number rules are agreed upon by both parties. The XML message is specific transaction information, carried by the electronic voucher, and the electronic voucher needs to be verified before parsing the XML message, which is not limited by the present invention.

[0083] S400: After the fund demander signs for the receipt voucher, it sends the credit limit voucher to the clearing bank;

[0084] For example, in some optional embodiments, the S400 includes: step 4.1, step 4.2 and step 4.3;

[0085] Step 4.1: The party in need of funds signs for the receipt;

[0086] Step 4.2, the fund demander parses the receipt XML message in the receipt voucher to obtain the completion information of the fund transaction;

[0087] Step 4.3: If the completion information of the fund transaction indicates that the agent bank has successfully completed the corresponding fund transaction, the fund demander sends a credit limit certificate to the clearing bank, wherein the credit limit certificate carries a credit limit XML message, and the credit limit XML message is generated based on the fund limit, zone code, and voucher number of the payment voucher.

[0088] Optionally, the party in need of funds can assemble information such as the amount of funds used this time, the zone code, the voucher number of the payment voucher, etc. into an XML message, and send it to the clearing bank via the amount voucher. The present invention does not impose any restrictions on this.

[0089] Optionally, in certain optional embodiments, after step 4.2, the method further comprises: step 4.4;

[0090] Step 4.4: If the completion information of the fund transaction indicates that the agent bank has failed in the corresponding fund transaction, adjustments are made according to the cause of the failure, and the payment voucher is resent to the agent bank.

[0091] S500: After the fund demander signs for the receipt voucher, the agent bank sends the corresponding clearing voucher to the clearing bank;

[0092] For example, in some optional embodiments, the S500 includes: step 5.1 and step 5.2;

[0093] Step 5.1: After the fund demander signs for the receipt voucher, the agent bank assembles the clearing amount, zone code, receiving account number and voucher number of the payment voucher into a clearing XML message;

[0094] Step 5.2: The agent bank calls the clearing certificate and sends the clearing XML message to the clearing bank through the clearing certificate, thereby initiating a clearing request to the clearing bank.

[0095] Optionally, after the party in need of funds signs for the payment voucher receipt, the agent bank assembles the clearing information such as the clearing amount, zone code, receiving account, voucher number of the payment voucher into an XML message, and then sends it to the clearing bank via the clearing voucher, thereby initiating clearing. The present invention does not impose any restrictions on this.

[0096] S600: The clearing bank performs corresponding fund clearing according to the credit limit certificate and the clearing certificate.

[0097] For example, in some optional embodiments, the S600 includes: step 6.1, step 6.2, step 6.3, step 6.4 and step 6.5;

[0098] Step 6.1: The clearing bank signs for the credit limit certificate and the clearing certificate;

[0099] Step 6.2, the clearing bank parses the XM message of the credit voucher and the clearing voucher respectively, wherein the voucher number of the payment voucher included in the XML message of the credit voucher is consistent with the voucher number of the payment voucher included in the XM message of the clearing voucher;

[0100] Step 6.3: The clearing bank compares the amount in the credit limit voucher with the amount in the clearing voucher;

[0101] Step 6.4: If the amount in the credit voucher is consistent with the amount in the clearing voucher, the clearing bank transfers the corresponding amount of funds to the agent bank and generates a clearing receipt and sends it to the fund demander and the agent bank;

[0102] Step 6.5: If the amount in the credit voucher is consistent with the amount in the settlement voucher, an error receipt indicating the mismatched amount is generated and sent to the fund demander and the agent bank.

[0103] Optionally, the clearing bank signs the credit voucher and the clearing voucher, and parses the XML messages of the two vouchers, both of which contain the voucher number of the payment voucher. The same voucher number of the payment voucher identifies the same transaction. Because the credit voucher and the clearing voucher arrive asynchronously, the present invention stores the corresponding transaction information in the database for persistence processing.

[0104] Optionally, the clearing bank runs the clearing program regularly, obtains transaction information from the database, and verifies the amounts of the two vouchers; if they are consistent, clearing is carried out, funds are replenished to the agent bank, and then two copies of the clearing receipt are generated and sent to the party in need of funds and the agent bank; if they are inconsistent, error information is added (for example, the amount does not match) and the receipt is sent to the party in need of funds and the agent bank, and the clearing process is repeated after verification by both parties before clearing is carried out.

[0105] Optionally, after the settlement is completed, the agent bank signs for the settlement receipt, indicating that the advanced funds have been returned to the agent bank. The party in need of funds signs for the settlement receipt, completing the entire payment settlement process, which is not limited in the present invention.

[0106] Optionally, in order to further clarify the solution of the present invention, the present invention provides the following Figure 2 The overall flow chart shown in the figure, please refer to the above explanation for understanding the content in the figure, the present invention is not limited to this.

[0107] Optionally, for some payment scenarios, the clearing bank is usually the People's Bank of China, so the fund demander and the agent bank only need to connect with one clearing bank, such as Figure 3 As shown, the quota certificate of the party in need of funds and the clearing certificate of the agent bank are both sent to the only clearing bank.

[0108] However, with the increase in business and the development of the market, more and more banks are also working as clearing banks. Figure 3During payment and clearing, the entire payment and clearing process may be suspended due to insufficient balance in the clearing account, affecting efficiency. Figure 4 As shown in the figure, the party in need of funds sends the payment voucher to the agent bank. After the agent bank completes the payment, the party in need of funds sends the quota voucher to each clearing bank. The agent bank sends the clearing voucher to each clearing bank according to the details of the payment voucher. Figure 2 The process shown completes clearing, with each clearing bank handling its own clearing business independently and returning receipts to the agent bank and the party in need of funds upon completion.

[0109] In summary, the present invention has the following specific technical effects:

[0110] (1) The strategy of having the agent bank pay first and then settle with the clearing bank is adopted to prevent the situation where the remaining funds need to be returned to the clearing bank due to the failure to pay in full when the payment is made first, resulting in multiple settlements. This reduces the business burden of banks and improves the ability to supervise funds.

[0111] (2) Electronic certificates are used for interaction. The receipt of electronic certificates requires verification of the validity of the electronic seal. The clearing bank needs to verify the clearing certificate from the agent bank and the credit limit certificate of the fund demander before clearing. This ensures that the funds cleared to the agent bank are consistent with the requirements of the fund demander, ensures the security of fund use, and reduces the probability of clearing errors.

[0112] (3) The party in need of funds can flexibly configure the number of clearing banks. There is no need to re-initiate transactions due to different clearing banks. There will be no situation where a single clearing bank has insufficient funds and has to wait, which improves the efficiency of the entire payment and clearing process.

[0113] Although operations are depicted in a particular order, this should not be understood as requiring that the operations be performed in the particular order shown or in a sequential order.Multitasking and parallel processing may be advantageous under certain circumstances.

[0114] It should be understood that the various steps described in the method embodiments of the present invention may be performed in different orders and / or in parallel. In addition, the method embodiments may include additional steps and / or omit the steps shown. The scope of the present invention is not limited in this respect.

[0115] like Figure 5 As shown, the present invention provides a fund circulation and clearing device based on electronic vouchers, comprising: a fund demander 100, an agent bank 200 and a clearing bank 300;

[0116] The fund demander 100 includes: a payment voucher sending unit 110 and a credit voucher sending unit 120;

[0117] The agent bank 200 includes: a payment voucher parsing unit 210, a receipt voucher sending unit 220 and a clearing voucher sending unit 230;

[0118] The clearing bank 300 includes: a fund clearing unit 310;

[0119] The payment voucher sending unit 110 is used to send the payment voucher to the agent bank 200, wherein the payment voucher carries a transaction information message;

[0120] The payment voucher parsing unit 210 is used to sign and parse the transaction message information in the payment voucher, and complete the corresponding fund transaction according to the transaction message information;

[0121] The receipt voucher sending unit 220 is used to send a receipt voucher to the fund demander 100 after completing the corresponding fund transaction, wherein the receipt voucher carries the completion information of the fund transaction, and the voucher number of the receipt voucher is consistent with the voucher number of the payment voucher;

[0122] The credit voucher sending unit 120 is used to send the credit voucher to the clearing bank 300 after signing the receipt voucher;

[0123] The clearing certificate sending unit 230 is used to send the corresponding clearing certificate to the clearing bank 300 after the fund demander 100 signs for the receipt certificate;

[0124] The fund clearing unit 310 is used for the clearing bank 300 to perform corresponding fund clearing according to the credit limit certificate and the clearing certificate.

[0125] Optionally, in some optional implementations, the payment voucher sending unit 110 includes: a payment XML message generating subunit and a payment voucher sending subunit;

[0126] The payment XML message generation subunit is used to generate a corresponding payment XML message according to the entered transaction information, wherein the transaction information includes: a zone code, payee information and fund amount;

[0127] The payment voucher sending subunit is used to call the payment voucher and send the payment XML message to the agent bank 200 through the payment voucher.

[0128] Optionally, in some optional implementations, the payment voucher parsing unit 210 includes: a payment voucher receipt subunit, a payment voucher parsing subunit and a transaction completion subunit;

[0129] The payment voucher signing subunit is used to sign for the payment voucher and update the signing status of the payment voucher to signed;

[0130] The payment voucher parsing subunit is used to parse the payment XML message in the payment voucher to obtain the transaction information carried therein;

[0131] The transaction completion subunit is used to transfer funds to a corresponding account according to the transaction information obtained by parsing, so as to complete the corresponding fund transaction.

[0132] Optionally, in some optional implementations, the receipt voucher sending unit 220 includes: a receipt XML message generating subunit and a receipt voucher sending subunit;

[0133] The receipt XML message generation subunit is used to assemble the completion information of the fund transaction into a receipt XML message after completing the corresponding fund transaction;

[0134] The receipt voucher sending subunit is used to call the receipt voucher and send the receipt XML message to the fund demander 100 through the receipt voucher.

[0135] Optionally, in some optional implementations, the credit voucher sending unit 120 includes: a receipt voucher signing subunit, a receipt voucher parsing subunit and a credit voucher sending subunit;

[0136] The receipt voucher signing subunit is used to sign for the receipt voucher;

[0137] The receipt voucher parsing subunit is used to parse the receipt XML message in the receipt voucher to obtain the completion information of the fund transaction;

[0138] The credit limit certificate sending subunit is used to send a credit limit certificate to the clearing bank 300 if the completion information of the fund transaction indicates that the agent bank 200 has successfully completed the corresponding fund transaction, wherein the credit limit certificate carries a credit limit XML message, and the credit limit XML message is generated based on the fund limit, zone code, and voucher number of the payment voucher.

[0139] Optionally, in some optional implementations, the fund demander 100 further includes: a voucher adjustment unit;

[0140] The voucher adjustment unit is used to parse the receipt XML message in the receipt voucher at the funds demander 100, and after obtaining the completion information of the funds transaction, if the completion information of the funds transaction indicates that the agent bank 200 has failed to perform the corresponding funds transaction, make adjustments based on the cause of the failure and resend the payment voucher to the agent bank 200.

[0141] Optionally, in some optional implementations, the clearing certificate sending unit 230 includes: a clearing XML message generating subunit and a clearing certificate sending subunit;

[0142] The clearing XML message generation subunit is used to assemble the clearing amount, the zone code, the receiving account number and the voucher number of the payment voucher into a clearing XML message after the fund demander 100 signs for the receipt voucher;

[0143] The clearing certificate sending subunit is used to call the clearing certificate and send the clearing XML message to the clearing bank 300 through the clearing certificate, so as to initiate a clearing request to the clearing bank 300.

[0144] Optionally, in some optional implementations, the fund clearing unit 310 includes: a voucher double signing subunit, a voucher double parsing subunit, a voucher double comparison subunit, an amount consistency subunit and an amount inconsistency subunit;

[0145] The voucher double signing subunit is used to sign for the credit voucher and the settlement voucher;

[0146] The voucher dual parsing subunit is used to parse and obtain the XM messages of the credit voucher and the clearing voucher respectively, wherein the voucher number of the payment voucher included in the XML message of the credit voucher is consistent with the voucher number of the payment voucher included in the XM message of the clearing voucher;

[0147] The voucher double comparison subunit is used to compare the amount carried in the credit voucher and the amount carried in the settlement voucher;

[0148] The amount consistency subunit is used for, if the amount carried in the credit voucher is consistent with the amount carried in the clearing voucher, the clearing bank 300 transfers the corresponding amount of funds to the agent bank 200, and generates a clearing receipt to send to the fund demander 100 and the agent bank 200;

[0149] The inconsistent amount subunit is used to generate an amount mismatch error receipt if the amount carried in the credit voucher is consistent with the amount carried in the settlement voucher, and send it to the fund demander 100 and the agent bank 200.

[0150] Regarding the device in the above embodiment, the specific manner in which each module performs operations has been described in detail in the embodiment of the method, and will not be elaborated here.

[0151] The electronic voucher-based fund circulation and clearing device includes a processor and a memory. The above-mentioned payment voucher sending unit 110, credit limit voucher sending unit 120, payment voucher parsing unit 210, receipt voucher sending unit 220, clearing voucher sending unit 230 and fund clearing unit 310 are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize corresponding functions.

[0152] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and payment can be made first and then cleared by adjusting kernel parameters, avoiding the problem of multiple clearing caused by clearing first and then paying but not being fully cleared. The present invention interacts through electronic vouchers to avoid errors caused by incorrect amounts, and the present invention can also configure multiple clearing banks as needed. The above measures can greatly improve the accuracy and efficiency of fund clearing.

[0153] An embodiment of the present invention provides a computer-readable storage medium on which a program is stored. When the program is executed by a processor, the electronic voucher-based fund transfer and settlement method is implemented.

[0154] An embodiment of the present invention provides a processor, which is used to run a program, wherein the electronic voucher-based fund flow settlement method is executed when the program is running.

[0155] like Figure 6 As shown, an embodiment of the present invention provides an electronic device 700, which includes at least one processor 701, at least one memory 702 and a bus 703 connected to the processor 701; wherein the processor 701 and the memory 702 communicate with each other through the bus 703; the processor 701 is used to call the program instructions in the memory 702 to execute the above-mentioned electronic voucher-based fund flow settlement method. The electronic device in this article can be a server, a PC, a PAD, a mobile phone, etc.

[0156] The present invention also provides a computer program product, which, when executed on an electronic device, is suitable for executing a program for initializing the following method steps:

[0157] A fund circulation and clearing method based on electronic vouchers, comprising:

[0158] The party in need of funds sends a payment voucher to the agent bank, wherein the payment voucher carries a transaction information message;

[0159] The agent bank signs for and parses the transaction message information in the payment voucher, and completes the corresponding fund transaction according to the transaction message information;

[0160] After completing the corresponding fund transaction, the agent bank sends a receipt voucher to the fund demander, wherein the receipt voucher carries the completion information of the fund transaction, and the voucher number of the receipt voucher is consistent with the voucher number of the payment voucher;

[0161] After the fund demander signs for the receipt voucher, it sends the credit limit voucher to the clearing bank;

[0162] After the fund demander signs for the receipt voucher, the agent bank sends the corresponding clearing voucher to the clearing bank;

[0163] The clearing bank performs corresponding fund clearing according to the credit limit certificate and the clearing certificate.

[0164] Optionally, in some optional implementations, the fund demander sends a payment voucher to the agent bank, including:

[0165] The fund demander generates a corresponding payment XML message based on the entered transaction information, wherein the transaction information includes: a zone code, payee information and fund amount;

[0166] The party in need of funds calls the payment voucher and sends the payment XML message to the agent bank through the payment voucher.

[0167] Optionally, in some optional implementations, the agent bank signs for and parses the transaction message information in the payment voucher, and completes the corresponding fund transaction according to the transaction message information, including:

[0168] The agent bank signs for the payment voucher and updates the receipt status of the payment voucher to "signed for";

[0169] The agent bank parses the payment XML message in the payment voucher to obtain the transaction information carried therein;

[0170] The agent bank transfers the funds to the corresponding account based on the transaction information obtained through analysis, thereby completing the corresponding fund transaction.

[0171] Optionally, in some optional implementations, after completing the corresponding fund transaction, the agent bank sends a receipt voucher to the fund demander, including:

[0172] After completing the corresponding fund transaction, the agent bank assembles the completion information of the fund transaction into a receipt XML message;

[0173] The agent bank calls the receipt voucher and sends the receipt XML message to the fund demander through the receipt voucher.

[0174] Optionally, in some optional implementations, after the fund demander signs for the receipt voucher, the fund demander sends a credit voucher to the clearing bank, including:

[0175] The party in need of funds signs for the receipt voucher;

[0176] The fund demander parses the receipt XML message in the receipt voucher to obtain the completion information of the fund transaction;

[0177] If the completion information of the fund transaction indicates that the agent bank has successfully completed the corresponding fund transaction, the fund demander sends a credit limit certificate to the clearing bank, wherein the credit limit certificate carries a credit limit XML message, and the credit limit XML message is generated based on the fund limit, zone code, and voucher number of the payment voucher.

[0178] Optionally, in certain optional implementations, after the fund demander parses the receipt XML message in the receipt voucher to obtain the completion information of the fund transaction, the method further includes:

[0179] If the completion information of the fund transaction indicates that the agent bank has failed in the corresponding fund transaction, adjustments are made according to the cause of the failure and the payment voucher is resent to the agent bank.

[0180] Optionally, in some optional implementations, after the fund demander signs for the receipt voucher, the agent bank sends the corresponding clearing voucher to the clearing bank, including:

[0181] After the fund demander signs for the receipt voucher, the agent bank assembles the clearing amount, zone code, receiving account number and voucher number of the payment voucher into a clearing XML message;

[0182] The agent bank calls the clearing certificate and sends the clearing XML message to the clearing bank through the clearing certificate, thereby initiating a clearing request to the clearing bank.

[0183] Optionally, in certain optional implementations, the clearing bank performs corresponding fund clearing according to the credit limit certificate and the clearing certificate, including:

[0184] The clearing bank signs for the credit limit certificate and the clearing certificate;

[0185] The clearing bank parses the XM messages of the credit voucher and the clearing voucher respectively, wherein the voucher number of the payment voucher included in the XML message of the credit voucher is consistent with the voucher number of the payment voucher included in the XM message of the clearing voucher;

[0186] The clearing bank compares the amount carried in the credit voucher with the amount carried in the clearing voucher;

[0187] If the amount in the credit voucher is consistent with the amount in the clearing voucher, the clearing bank will transfer the corresponding amount of funds to the agent bank and generate a clearing receipt to send to the fund demander and the agent bank;

[0188] If the amount carried in the credit voucher is consistent with the amount carried in the settlement voucher, an error receipt indicating the amount does not match is generated and sent to the party in need of funds and the agent bank.

[0189] The present invention is described with reference to flowcharts and / or block diagrams of methods, apparatuses, electronic devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable device to generate a machine, so that the instructions executed by the processor of the computer or other programmable device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0190] In a typical configuration, an electronic device includes one or more processors (CPU), a memory, and a bus. The electronic device may also include an input / output interface, a network interface, and the like.

[0191] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip. The memory is an example of a computer-readable medium.

[0192] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules 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 technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0193] In the description of the present invention, it should be understood that the terms "up", "down", "front", "back", "left" and "right" etc. indicating directions or positional relationships are based on the directions or positional relationships shown in the accompanying drawings. They are only for the convenience of describing the present invention and simplifying the description. They do not indicate or imply that the positions or elements referred to must have specific directions, be constructed and operate in specific directions. Therefore, they should not be understood as limitations of the present invention.

[0194] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. It should also be noted that the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0195] It should be understood by those skilled in the art that the embodiments of the present invention may be provided as methods, systems or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware aspects. Moreover, the present invention may take the form of a computer program product implemented 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.

[0196] The above are only embodiments of the present invention and are not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modification, equivalent substitution, improvement, etc. made within the spirit and principle of the present invention should be included in the scope of the claims of the present invention.

Claims

1. A fund circulation and clearing method based on electronic vouchers, characterized in that: include: The party in need of funds sends a payment voucher to the agent bank, wherein the payment voucher carries a transaction information message; The agent bank signs for and parses the transaction message information in the payment voucher, and completes the corresponding fund transaction according to the transaction message information; After completing the corresponding fund transaction, the agent bank sends a receipt voucher to the fund demander, wherein the receipt voucher carries the completion information of the fund transaction, and the voucher number of the receipt voucher is consistent with the voucher number of the payment voucher; After the fund demander signs for the receipt voucher, it sends the credit limit voucher to the clearing bank; After the fund demander signs for the receipt voucher, the agent bank sends the corresponding clearing voucher to the clearing bank; The clearing bank performs corresponding fund clearing according to the credit limit certificate and the clearing certificate.

2. The method according to claim 1, characterized in that The party in need of funds sends a payment voucher to the agent bank, including: The fund demander generates a corresponding payment XML message based on the entered transaction information, wherein the transaction information includes: a zone code, payee information and fund amount; The party in need of funds calls the payment voucher and sends the payment XML message to the agent bank through the payment voucher.

3. The method according to claim 2, characterized in that The agent bank signs and parses the transaction message information in the payment voucher, and completes the corresponding fund transaction according to the transaction message information, including: The agent bank signs for the payment voucher and updates the receipt status of the payment voucher to "signed for"; The agent bank parses the payment XML message in the payment voucher to obtain the transaction information carried therein; The agent bank transfers the funds to the corresponding account based on the transaction information obtained through analysis, thereby completing the corresponding fund transaction.

4. The method according to claim 1, characterized in that: After completing the corresponding fund transaction, the agent bank sends a receipt voucher to the fund demander, including: After completing the corresponding fund transaction, the agent bank assembles the completion information of the fund transaction into a receipt XML message; The agent bank calls the receipt voucher and sends the receipt XML message to the fund demander through the receipt voucher.

5. The method according to claim 4, characterized in that After the fund demander signs the receipt, it sends the credit limit certificate to the clearing bank, including: The party in need of funds signs for the receipt voucher; The fund demander parses the receipt XML message in the receipt voucher to obtain the completion information of the fund transaction; If the completion information of the fund transaction indicates that the agent bank has successfully completed the corresponding fund transaction, the fund demander sends a credit limit certificate to the clearing bank, wherein the credit limit certificate carries a credit limit XML message, and the credit limit XML message is generated based on the fund limit, zone code, and voucher number of the payment voucher.

6. The method according to claim 5, characterized in that After the fund demander parses the receipt XML message in the receipt voucher to obtain the completion information of the fund transaction, the method further includes: If the completion information of the fund transaction indicates that the agent bank has failed in the corresponding fund transaction, adjustments are made according to the cause of the failure and the payment voucher is resent to the agent bank.

7. The method according to claim 1, characterized in that After the fund demander signs for the receipt voucher, the agent bank sends the corresponding clearing voucher to the clearing bank, including: After the fund demander signs for the receipt voucher, the agent bank assembles the clearing amount, zone code, receiving account number and voucher number of the payment voucher into a clearing XML message; The agent bank calls the clearing certificate and sends the clearing XML message to the clearing bank through the clearing certificate, thereby initiating a clearing request to the clearing bank.

8. The method according to claim 1, characterized in that The clearing bank performs corresponding fund clearing according to the credit limit certificate and the clearing certificate, including: The clearing bank signs for the credit limit certificate and the clearing certificate; The clearing bank parses the XM messages of the credit voucher and the clearing voucher respectively, wherein the voucher number of the payment voucher included in the XML message of the credit voucher is consistent with the voucher number of the payment voucher included in the XM message of the clearing voucher; The clearing bank compares the amount carried in the credit voucher with the amount carried in the clearing voucher; If the amount in the credit voucher is consistent with the amount in the clearing voucher, the clearing bank will transfer the corresponding amount of funds to the agent bank and generate a clearing receipt to send to the fund demander and the agent bank; If the amount carried in the credit voucher is consistent with the amount carried in the settlement voucher, an error receipt indicating the amount does not match is generated and sent to the party in need of funds and the agent bank.

9. A fund transfer and clearing device based on electronic vouchers, characterized in that: include: Fund demanders, agent banks and clearing banks; The fund demander comprises: a payment voucher sending unit and a credit voucher sending unit; The agent bank includes: a payment voucher parsing unit, a receipt voucher sending unit and a clearing voucher sending unit; The clearing bank includes: a funds clearing unit; The payment voucher sending unit is used to send the payment voucher to the agent bank, wherein the payment voucher carries the transaction information message; The payment voucher parsing unit is used to sign and parse the transaction message information in the payment voucher, and complete the corresponding fund transaction according to the transaction message information; The receipt voucher sending unit is used to send a receipt voucher to the fund demander after completing the corresponding fund transaction, wherein the receipt voucher carries the completion information of the fund transaction, and the voucher number of the receipt voucher is consistent with the voucher number of the payment voucher; The credit voucher sending unit is used to send the credit voucher to the clearing bank after signing the receipt voucher; The clearing certificate sending unit is used to send the corresponding clearing certificate to the clearing bank after the fund demander signs for the receipt certificate; The fund clearing unit is used by the clearing bank to perform corresponding fund clearing according to the credit limit certificate and the clearing certificate.

10. An electronic device, characterized in that: The electronic device includes at least one processor, and at least one memory and a bus connected to the processor; wherein the processor and the memory communicate with each other via the bus; the processor is used to call program instructions in the memory to execute the electronic certificate-based fund circulation and settlement method as described in any one of claims 1 to 8.

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