Funds circulation and clearing method, device and electronic equipment based on electronic voucher

Abstract

The present invention provides a method, device and electronic device for fund flow and clearing based on electronic vouchers. The method can be implemented by sending a payment voucher to an agent bank through a fund demander; 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; after completing the corresponding fund transaction, the agent bank sends a receipt voucher to the fund demander; after the fund demander signs the receipt voucher, the agent bank sends a credit voucher to the clearing bank; after the fund demander signs 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. The present invention can make payment first and then clear, thus avoiding the problem of multiple clearings. In addition, the present invention can interact through electronic vouchers to avoid errors caused by incorrect amounts. The present invention can configure multiple clearing banks as needed. The above measures can greatly improve the accuracy and efficiency of fund clearing.

Description

Technical Field

[0001] The present invention relates to the banking field, and in particular to a method, device and electronic equipment for fund transfer and settlement based on electronic certificates. Background Art

[0002] To meet diverse fund usage and management needs, including but not limited to treasury, security deposits, social security, non-tax, and provident funds, banks are being given clearer responsibilities to adapt to modern payment methods, mitigate payment risks, and facilitate fund disbursement. Agent banks act as intermediaries in the financial system, providing clients with a range of services, such as fund transfers and the collection of non-tax revenue. They help clients complete cross-regional and cross-bank payment and collection operations, simplifying complex processes between clients and multiple financial institutions and improving transaction convenience and efficiency. Clearing banks, on the other hand, specialize in processing interbank transactions, ensuring the accuracy and timeliness of fund flows. They perform settlement, calculating the net positions of all participants and transferring funds between banks to settle debts. However, due to the involvement of multiple systems and different institutions, multiple clearing operations, resulting in mismatched clearing amounts, and subsequent refunds during reconciliation, can be prone to problems, leading to inefficient fund clearing. 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 certificates, which overcome the above problems or at least partially solve the above problems.

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

[0005] The fund demander 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 based on 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 the receipt, it sends the credit limit certificate to the clearing bank;

[0009] After the fund demander signs for the receipt, the agent bank sends the corresponding clearing certificate 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 certain 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: zone code, payee information and fund amount;

[0013] The fund demander calls the payment voucher and sends the payment XML message to the agent bank through the payment voucher.

[0014] Optionally, in certain optional implementations, the agent bank signs for and parses the transaction message information in the payment voucher, and completes the corresponding fund transaction based on 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 certain optional implementations, after completing the corresponding fund transaction, the agent bank sends a receipt 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 certain optional implementations, after the fund demander signs the receipt voucher, the fund demander sends a credit limit voucher to the clearing bank, including:

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

[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, the zone code, and the voucher number of the payment voucher.

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

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

[0027] Optionally, in certain 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 the receipt, the agent bank assembles the clearing amount, zone code, receiving account number and payment voucher number 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 XML messages of the credit limit voucher and the clearing voucher respectively, wherein the voucher number of the payment voucher included in the XML message of the credit limit voucher is consistent with the voucher number of the payment voucher included in the XML message of the clearing voucher;

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

[0034] If the amount in the credit voucher is the same as 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 be sent to the fund demander and the agent bank;

[0035] If the amount in the credit voucher is inconsistent with the amount in the settlement voucher, an error receipt indicating the mismatched amount will be generated and sent to the fund demander 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 includes: 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 for 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 certificate sending unit is used to send the credit certificate to the clearing bank after signing the receipt certificate;

[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 for the clearing bank to perform corresponding fund clearing according to the credit limit certificate and the clearing certificate.

[0046] In the 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 through the bus; the processor is used to call the program instructions in the memory to execute any of the above-mentioned electronic certificate-based funds transfer and settlement methods.

[0047] By means of the above technical solution, the present invention provides a method, device and electronic device for fund flow and clearing based on electronic vouchers, which can be used by the fund demander to send 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, the agent bank sends a 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 based on the credit limit voucher and the clearing voucher. From this, it can be seen 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. In addition, the present invention interacts through electronic vouchers to avoid errors caused by incorrect amounts. Moreover, 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 in accordance with 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 specifically listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] Various other advantages and benefits will become apparent to those skilled in the art upon reading the detailed description of the preferred embodiment below. The accompanying drawings are for illustration purposes only and are not to be considered as limiting the present invention. The same reference symbols are used throughout the drawings to represent the same components. In the drawings:

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

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

[0052] Figure 3 A flow chart showing a third method for fund transfer and settlement based on electronic vouchers provided by the present invention is shown;

[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 schematic structural diagram of an electronic device provided by the present invention is shown. DETAILED DESCRIPTION

[0056] Exemplary embodiments of the present invention will be described in more detail below with reference to the accompanying drawings. Although 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. Rather, these embodiments are provided to enable a more thorough understanding of the present invention and to fully convey the scope of the present invention to those skilled in the art.

[0057] like Figure 1 As shown, the present invention provides a fund transfer and settlement 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. 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 corresponding transaction information messages based on various transaction information in the fund usage details and send them through payment vouchers.

[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 based on the entered transaction information, wherein the transaction information includes: zone code, payee information and fund amount;

[0062] Step 1.2: The fund demander 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, credit vouchers, and clearing vouchers) referred to in this invention refer to electronic vouchers. Electronic vouchers are used to carry message information and simulate paper vouchers. Traditional transactions require bringing paper vouchers to a counter. These vouchers are stamped with the seal of the party requesting the funds, and the counter staff verifies the seal before the transaction is processed. This method is cumbersome and inefficient. The electronic vouchers used in this invention carry an electronic seal number. The agent bank also needs to verify the electronic seal number before parsing the XML message to conduct subsequent transactions. This is not a limitation of this invention.

[0064] Optionally, the XML message referred to in this invention refers to an "Extensible Markup Language Message" (XML message). This invention does not provide a detailed description of this message; please refer to relevant literature in this field for details. It should be noted that the corresponding payment XML message is generated based on the transaction information, and conversely, this message can be subsequently parsed to obtain the corresponding transaction information. This is not a limitation of this invention.

[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 and other information, and the present invention does not impose any limitation on this.

[0067] S200: The agent bank receives 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 fund demander can call an API to send a payment voucher (the process for other types of vouchers is the same). During this process, an XML message is sent. Upon receiving the payment voucher, the agent bank verifies the electronic seal and other information before parsing the XML message and conducting subsequent transactions. In simple terms, during the transmission process, the voucher is like an envelope, and the XML message is like the contents of the letter. Verification of the envelope ensures the contents are correct before checking the contents of the letter.

[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 based on the transaction information obtained through analysis, thereby completing the corresponding fund transaction.

[0073] Optionally, the receipt status of a voucher can be divided into five categories: unreceived, received, unsigned, signed, and returned. The receipt status and the signed status are determined by different flags: ACC_FLAG (received status) and OK_FLAG (received status). When ACC_FLAG is 0, it indicates unreceived, and ACC_FLAG is 1, it indicates received. OK_FLAG is 0, which indicates unsigned, ACC_FLAG is 1, which indicates signed, and ACC_FLAG is 2, which indicates returned. For example, the sender's voucher library system sends the voucher to the receiver's voucher library system. After receiving the voucher, the receiver synchronizes the voucher's ACC_FLAG (received status) to 1, indicating receipt. The receiver then verifies the validity of the electronic seal. If valid, it is signed and the OK_FLAG (received status) is synchronized to 1, indicating receipt. If invalid, the order is returned, and the return reason for the seal verification failure is attached and the OK_FLAG (received status) is set 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, it means that the receiver's scheduled signing program has not yet run or the signing program has malfunctioned. If the voucher status is "returned", adjustments can be made based on the reason for the return.

[0074] Optionally, the agent bank signs the receipt, which then changes to "Received." The agent bank then parses the XML message in the receipt to obtain the transaction information and completes the transaction based on that information. For example, when wages are paid to the corresponding account, 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 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 does not necessarily refer to information indicating a successful fund transaction, but may also refer to information indicating a failure of the fund transaction, and the present invention does not impose any limitation on this.

[0080] That is, after a transaction is completed, the agent bank can assemble the transaction details into an XML message and send it to the fund requester via a voucher with the same voucher number as the payment voucher, known as the receipt. The fund requester signs the receipt and parses the XML message to obtain the agent bank's transaction details. If the agent bank transaction fails, it will make adjustments based on the reason for the failure and resend the payment voucher. Only after the fund requester signs the receipt can the agent bank initiate clearing.

[0081] Optionally, the transaction completion status can be represented by a transaction success flag and failure information. For the transaction success flag, success is 0000, and failure is a corresponding failure code, such as a balance less than 1000, agreed upon by both parties. For the failure information, the specific reason for the failure is described. Success is optional and is not limited in this invention.

[0082] Optionally, the receipt voucher refers to a resent electronic voucher with the same voucher number, 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 with voucher number S0012024072301, while the receipt voucher sent by the agent bank is type 1002 with voucher number S0012024072301. The voucher type and voucher number rules are agreed upon by both parties. The XML message contains specific transaction information and is carried by the electronic voucher. The electronic voucher must be verified before the XML message is parsed, but this is not a limitation of the present invention.

[0083] S400: After the fund demander signs the receipt, it sends the credit limit certificate 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 fund demander 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, the zone code, and the voucher number of the payment voucher.

[0088] Optionally, the party in need of funds may 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 performing 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, the agent bank sends the corresponding clearing certificate 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, the agent bank assembles the clearing amount, zone code, receiving account number, and payment voucher number 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, and voucher number of the payment voucher into an XML message, and then sends it to the clearing bank through 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 and receives the credit limit certificate and the clearing certificate;

[0099] Step 6.2: The clearing bank parses the XML messages of the credit limit voucher and the clearing voucher respectively, wherein the voucher number of the payment voucher included in the XML message of the credit limit voucher is consistent with the voucher number of the payment voucher included in the XML 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 the same as 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 be sent to the fund demander and the agent bank.

[0102] Step 6.5: If the amount in the credit voucher is inconsistent with the amount in the settlement voucher, an error receipt indicating the amount does not match is generated and sent to the fund demander and the agent bank.

[0103] Optionally, the clearing bank receives the credit voucher and the clearing voucher and parses each voucher's XML message, which contains the payment voucher number. Identical payment voucher numbers identify the transaction as a single transaction. Because the credit voucher and the clearing voucher arrive asynchronously, the present invention stores the corresponding transaction information in a database for persistence.

[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, the 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, an error message 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 after verification by both parties, the clearing process is repeated before clearing is carried out again.

[0105] Optionally, after the settlement is completed, the agent bank signs for the settlement receipt, indicating that the funds advanced have been returned to the agent bank. The fund demander signs for the settlement receipt, completing the entire payment and 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 does not limit 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 credit limit certificate of the fund demander 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. In this regard, the present invention supports multiple clearing banks for the same payment, such as 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 credit 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. Each clearing bank handles its own clearing business independently and returns receipts to the agent bank and the party requesting funds upon completion.

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

[0110] (1) The strategy of the agent bank paying first and then settling with the clearing bank is adopted to prevent the situation where the remaining funds are returned to the clearing bank due to the need for re-settlement when the payment request is not fully paid, thus reducing the business burden of the bank and improving the fund supervision ability.

[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 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 the 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 transfer 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 the 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 certain 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 based on 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 payment voucher's signing status to "signed for";

[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, thereby completing 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 generating subunit is used to assemble the completion information of the fund transaction into a receipt XML message after the corresponding fund transaction is completed;

[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 certificate sending subunit is used to send a credit 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 certificate carries a credit XML message, and the credit 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 by the fund demander 100, and after obtaining the completion information of the fund transaction, if the completion information of the fund transaction indicates that the agent bank 200 failed to perform the corresponding fund transaction, make adjustments based on the cause of failure and resend the payment voucher to the agent bank 200.

[0141] Optionally, in certain 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 generating subunit is used to assemble the clearing amount, zone code, receiving account number and payment voucher number 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, thereby initiating a clearing request to the clearing bank 300.

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

[0145] The voucher dual-signature subunit is used to sign for the credit voucher and the settlement voucher;

[0146] The voucher dual parsing subunit is configured to parse the XML messages of the credit voucher and the settlement voucher to obtain the same, 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 XML message of the settlement voucher;

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

[0148] The amount consistency subunit is configured to cause the clearing bank 300 to transfer the corresponding amount of funds to the agent bank 200 if the amount carried in the credit voucher is consistent with the amount carried in the clearing voucher, and to generate a clearing receipt and send it to the fund demander 100 and the agent bank 200;

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

[0150] Regarding the apparatus 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 flow and clearing device includes a processor and a memory. The above-mentioned payment voucher sending unit 110, credit 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. By adjusting kernel parameters, payment can be made first and then cleared, avoiding the problem of multiple clearing caused by clearing first and then paying but not being fully cleared. The present invention also interacts through electronic vouchers, avoiding errors caused by incorrect amounts. The present invention can also configure multiple clearing banks as needed. These measures can greatly improve the accuracy and efficiency of fund clearing.

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

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

[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 connected to the processor 701, and a bus 703. The processor 701 and the memory 702 communicate with each other via the bus 703. The processor 701 is configured to invoke program instructions stored in the memory 702 to execute the aforementioned electronic voucher-based funds transfer and settlement method. The electronic device herein may be a server, a PC, a PAD, a mobile phone, or the like.

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

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

[0158] The fund demander 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 based on 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 the receipt, it sends the credit limit certificate to the clearing bank;

[0162] After the fund demander signs for the receipt, the agent bank sends the corresponding clearing certificate 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 certain 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: zone code, payee information and fund amount;

[0166] The fund demander calls the payment voucher and sends the payment XML message to the agent bank through the payment voucher.

[0167] Optionally, in certain optional implementations, the agent bank signs for and parses the transaction message information in the payment voucher, and completes the corresponding fund transaction based on 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 certain optional implementations, after completing the corresponding fund transaction, the agent bank sends a receipt 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 certain optional implementations, after the fund demander signs the receipt voucher, the fund demander sends a credit limit voucher to the clearing bank, including:

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

[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, the zone code, and the voucher number of the payment voucher.

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

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

[0180] Optionally, in certain 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 the receipt, the agent bank assembles the clearing amount, zone code, receiving account number and payment voucher number 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 XML messages of the credit limit voucher and the clearing voucher respectively, wherein the voucher number of the payment voucher included in the XML message of the credit limit voucher is consistent with the voucher number of the payment voucher included in the XML message of the clearing voucher;

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

[0187] If the amount in the credit voucher is the same as 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 be sent to the fund demander and the agent bank;

[0188] If the amount in the credit voucher is inconsistent with the amount in the settlement voucher, an error receipt indicating the mismatched amount will be generated and sent to the fund demander 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 flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable device to produce 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 flowcharts and / or block diagrams. 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 (CPUs), a memory, and a bus. The electronic device may also include an input / output interface, a network interface, and the like.

[0191] Memory may include non-permanent memory in a computer-readable medium, random access memory (RAM), and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory includes at least one memory chip. 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. The 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 disc read-only memory (CD-ROM), digital versatile disc (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 transitory media such as modulated data signals and carrier waves.

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

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

[0195] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, 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 magnetic disk storage, CD-ROMs, optical storage, etc.) containing computer-usable program code.

[0196] The above are merely embodiments of the present invention and are not intended to limit the present invention. It will be apparent to those skilled in the art that various modifications and variations of the present invention are possible. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention are intended to be included within the scope of the claims of the present invention.

Claims

1. A fund transfer and clearing method based on electronic vouchers, characterized in that: include: The fund demander 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 based on 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 the receipt, it sends the credit limit certificate to the clearing bank; After the fund demander signs for the receipt, the agent bank sends the corresponding clearing certificate to the clearing bank; The clearing bank performs corresponding fund clearing according to the credit limit certificate and the clearing certificate; 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 XML messages of the credit limit voucher and the clearing voucher respectively, wherein the voucher number of the payment voucher included in the XML message of the credit limit voucher is consistent with the voucher number of the payment voucher included in the XML message of the clearing voucher; The clearing bank compares the amount in the credit limit voucher with the amount in the clearing voucher; If the amount in the credit voucher is the same as 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 be sent to the fund demander and the agent bank; If the amount in the credit voucher is inconsistent with the amount in the settlement voucher, an error receipt indicating the mismatched amount will be generated and sent to the fund demander and the agent bank.

2. The method according to claim 1, characterized in that The party requesting 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: zone code, payee information and fund amount; The fund demander 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 for and parses the transaction message information in the payment voucher, and completes the corresponding fund transaction based on 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, wherein After completing the corresponding fund transaction, the agent bank sends a receipt 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; 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, the zone code, and the 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 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 performing the corresponding fund transaction, adjustments are made based on 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, the agent bank sends the corresponding clearing certificate to the clearing bank, including: After the fund demander signs the receipt, the agent bank assembles the clearing amount, zone code, receiving account number and payment voucher number 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. A fund transfer and clearing device based on electronic vouchers, characterized in that: include: Fund demanders, agent banks and clearing banks; The fund demander includes: 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 for 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 certificate sending unit is used to send the credit certificate to the clearing bank after signing the receipt certificate; 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 for the clearing bank to perform corresponding fund clearing according to the credit limit certificate and the clearing certificate; 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 XML messages of the credit limit voucher and the clearing voucher respectively, wherein the voucher number of the payment voucher included in the XML message of the credit limit voucher is consistent with the voucher number of the payment voucher included in the XML message of the clearing voucher; The clearing bank compares the amount in the credit limit voucher with the amount in the clearing voucher; If the amount in the credit voucher is the same as 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 be sent to the fund demander and the agent bank; If the amount in the credit voucher is inconsistent with the amount in the settlement voucher, an error receipt indicating the mismatched amount will be generated and sent to the fund demander and the agent bank.

9. An electronic device, characterized in that: The electronic device includes at least one processor, and at least one memory and bus connected to the processor; wherein the processor and the memory communicate with each other through the bus; the processor is used to call the program instructions in the memory to execute the electronic certificate-based fund flow and settlement method as described in any one of claims 1 to 7.

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