Transaction clearing method and device, electronic equipment and storage medium

Abstract

The invention discloses a transaction clearing method and device, electronic equipment and a storage medium. The method comprises the steps of monitoring a clearing instruction; and in response to a transaction operation request, respectively processing according to different states in the clearing instruction. According to the invention, circulation of liquidation information can be better monitored, and the operation risk is reduced at the same time. The method and the device can be used for transaction settlement in a fund management system.

Description

Technical Field

[0001] This application relates to the technical field of fund settlement, and particularly to a transaction settlement method, device, electronic device, and storage medium. Background Art

[0002] Fund settlement refers to the handling of fund transfers between financial institutions, the appropriation of payment and settlement funds, and the settlement of resulting fund debts and credits.

[0003] In related technologies, when transaction information is modified or cancelled, manual offline processing is often required, thus lacking an effective cancellation generation mechanism. Summary of the Invention

[0004] Embodiments of this application provide a transaction settlement method, device, electronic device, and storage medium to improve processing efficiency and reduce operation risks.

[0005] Embodiments of this application adopt the following technical solutions:

[0006] In a first aspect, embodiments of this application provide a transaction settlement method, which includes:

[0007] Monitor settlement instructions;

[0008] In response to a transaction operation request, process according to different states in the settlement instructions.

[0009] In some embodiments, the transaction operation request at least includes a transaction modification operation request. The step of, in response to a transaction operation request, processing according to different states in the settlement instructions includes:

[0010] Obtain new transaction information according to the transaction elements in the transaction modification operation request;

[0011] Generate a new cash flow according to the new transaction information;

[0012] If it is determined that the transaction elements of the new cash flow have changed, then process according to different states in the settlement instructions, and the different states in the settlement instructions include settled or unsettled.

[0013] In some embodiments, the different states in the settlement instructions at least include one of the following:

[0014] To-be-manually-processed state, to-be-sent state, settled state, sent-successfully state, settlement-successfully state, settlement-failed state, match-successfully state, to-be-matched state, cancelled state.

[0015] In some embodiments, when the settlement instruction is in the netted state, the current settlement instruction is recorded as the second settlement instruction;

[0016] Find the third settlement instruction through the settlement instruction number associated with the second settlement instruction, and then find the first settlement instruction associated with the third settlement instruction using the settlement instruction number of the third settlement instruction. The relationship among the first settlement instruction, the second settlement instruction, and the third settlement instruction is that the first settlement instruction and the second settlement instruction are netted to generate the third settlement instruction;

[0017] Verify the status of the third settlement instruction.

[0018] In some embodiments, the method further includes:

[0019] When the third settlement instruction is in the state of pending manual processing or pending sending, set the status of the third settlement instruction to cancelled, set the status of the second settlement instruction to cancelled, and set the status of the first settlement instruction to pending manual processing;

[0020] Regenerate a new second settlement instruction based on the new transaction information and cash flow information, perform a netting operation on the new second settlement instruction and the first settlement instruction to generate a new third settlement instruction, and send it to the downstream system;

[0021] When the third settlement instruction is in the state of pending matching, settlement failure, or matching success, send a cancellation notice of the third settlement instruction to the downstream system, and set the status of the third settlement instruction to being cancelled after the cancellation notice is successfully sent;

[0022] After receiving the receipt of successful cancellation returned by the downstream system, set the status of the third settlement instruction to cancelled, set the status of the second settlement instruction to cancelled, and set the status of the first settlement instruction to pending manual processing;

[0023] Regenerate a new second settlement instruction based on the new transaction information and cash flow information, manually select to perform a manual netting operation on the new second settlement instruction and the first settlement instruction to generate a new third settlement instruction, and send it to the downstream system.

[0024] In some embodiments, the method further includes:

[0025] When the status of the third settlement instruction is settlement success, no processing is performed on the third settlement instruction;

[0026] Generate a clearing instruction that recoils against the second clearing instruction, and regenerate a new second clearing instruction based on the new transaction and cash flow information. The user manually selects the second clearing instruction and the clearing instruction that recoils against the second clearing instruction to perform manual netting to generate a third clearing instruction and send it to the downstream system;

[0027] When the status of the third clearing instruction is successfully sent, send a cancellation notice of the third clearing instruction to the downstream system, and set the status of the third clearing instruction to "canceling" after the cancellation notice is successfully sent;

[0028] When the downstream system returns a successful cancellation receipt, set the status of the third clearing instruction to "canceled", then set the status of the second clearing instruction to "canceled", and set the status of the first clearing instruction to "pending manual processing";

[0029] Regenerate a new second clearing instruction based on the new transaction and cash flow information. The user manually selects the new second clearing instruction and the first clearing instruction to perform manual netting to generate a new third clearing instruction and send it to the downstream system;

[0030] When the downstream system returns a successful clearing receipt, set the status of the third clearing instruction to "clearing successful", do not process the second clearing instruction, and at the same time generate a clearing instruction that recoils against the second clearing instruction;

[0031] Regenerate a new second clearing instruction based on the new transaction and cash flow information. Manually select the new second clearing instruction and the clearing instruction that recoils against the second clearing instruction to perform manual netting and send it to the downstream system.

[0032] In some embodiments, when the clearing instruction is in an un-netted state,

[0033] For the clearing information with the status of the clearing instruction being "pending manual processing" and "pending sending", set the status of this clearing information to "canceled", indicating that the cancellation of the old clearing information is successful;

[0034] Regenerate a new clearing instruction based on the new transaction and cash flow information and send it to the downstream system.

[0035] In some embodiments, for the clearing application with the status of the clearing instruction being "pending matching", "clearing failed" or "matching successful", send a cancellation notice of the old clearing application to the downstream system. When the cancellation notice is successfully sent, set the status of this clearing information to "canceling";

[0036] After waiting for the downstream system to return a successful cancellation receipt, set the status of the old clearing information to "canceled", indicating that the cancellation of the old clearing information is successful;

[0037] Regenerate a new clearing instruction based on the new transaction and cash flow information and send it to the downstream system;

[0038] For a liquidation application where the status of the liquidation instruction is successful liquidation, no cancellation operation is performed on the old liquidation instruction, and a liquidation instruction that is a reverse charge of the successfully liquidated liquidation instruction is generated.

[0039] A new liquidation instruction is regenerated based on the new transaction information and cash flow information. The new liquidation instruction and its corresponding reverse charge liquidation instruction are manually selected for manual netting and sent to the downstream system.

[0040] In some embodiments, for a liquidation information where the status of the liquidation instruction is successfully sent, a cancellation notice of the old liquidation application is sent to the downstream system. When the cancellation notice is successfully sent, the status of the liquidation information is set to being cancelled.

[0041] When the downstream system returns a receipt of successful cancellation, the status of the old liquidation information is set to cancelled, and a new liquidation instruction is regenerated based on the new transaction information and cash flow information and sent to the downstream system.

[0042] When the downstream system returns a receipt of successful liquidation, the status of the old liquidation instruction is set to successful liquidation, and a liquidation instruction that is a reverse charge of the old liquidation instruction is generated.

[0043] A new liquidation instruction is regenerated based on the new transaction information and cash flow information. The new liquidation instruction and its corresponding reverse charge liquidation instruction are manually selected for manual netting and sent to the downstream system.

[0044] In some embodiments, the transaction operation request at least includes a transaction cancellation operation request. In response to the transaction operation request, different processing is performed according to different states in the liquidation instruction, including:

[0045] According to the cancellation transaction operation in the transaction modification operation request, all cash flows under this transaction are revoked.

[0046] The status of the liquidation instruction to be cancelled is verified, and different processing is performed according to different states in the liquidation instruction. The different states in the liquidation instruction include netted or un-netted.

[0047] In some embodiments, the method further includes:

[0048] In the case where the liquidation instruction is un-netted, for liquidation information with a status of pending manual processing or pending sending, the status of the liquidation information is set to cancelled, indicating that the cancellation of the old liquidation information is successful.

[0049] For liquidation applications with a status of pending matching, liquidation failure, matching success, sending success, or liquidation success, a cancellation notice of the old liquidation application is sent to the downstream system. When the cancellation notice is successfully sent, the status of the liquidation information is set to being cancelled.

[0050] After receiving the receipt of successful cancellation returned by the downstream system, set the status of the old settlement information to cancelled, indicating that the cancellation of the old settlement information is successful.

[0051] In some embodiments, the method further includes:

[0052] When the settlement instruction is netted off, record the current settlement instruction as the second settlement instruction;

[0053] Find the third settlement instruction through the settlement instruction number associated with the second settlement instruction, and then find the first settlement instruction associated with the third settlement instruction using the settlement instruction number of the third settlement instruction. The relationship among the first settlement instruction, the second settlement instruction, and the third settlement instruction is that the first settlement instruction and the second settlement instruction are netted off to generate the third settlement instruction;

[0054] When the status of the third settlement instruction is pending manual processing or pending sending, set the status of the third settlement instruction to cancelled, indicating that the cancellation of the third settlement instruction is successful;

[0055] Set the statuses of the second settlement instruction and the first settlement instruction to cancelled, indicating that the cancellation of the settlement instruction is successful;

[0056] When the status of the third settlement instruction is pending matching, settlement failure, matching success, sending success, or settlement success, send a cancellation notice of the third settlement instruction to the downstream system. After the cancellation notice is successfully sent, set the status of the third settlement instruction to cancelling;

[0057] After receiving the receipt of successful cancellation returned by the downstream system to the business system, set the status of the third settlement instruction to cancelled, and set the statuses of the second settlement instruction and the first settlement instruction to cancelled, indicating that the cancellation of the settlement instruction is successful.

[0058] In a second aspect, an embodiment of the present application further provides a transaction settlement device, where the device includes:

[0059] A monitoring module, configured to monitor settlement instructions;

[0060] A response module, configured to, in response to a transaction operation request, perform processing according to different statuses in the settlement instruction.

[0061] In a third aspect, an embodiment of the present application further provides an electronic device, including: a processor; and a memory arranged to store computer-executable instructions, where the executable instructions, when executed, cause the processor to execute the above method.

[0062] Fourthly, an embodiment of the present application further provides a computer-readable storage medium storing one or more programs, which, when executed by an electronic device including a plurality of application programs, cause the electronic device to execute the above method.

[0063] At least one of the above technical solutions adopted in the embodiments of the present application can achieve the following beneficial effects: By monitoring the clearing instructions and responding to the transaction operation request, different states in the clearing instructions are processed respectively. When the transaction information is modified / cancelled, through the cancellation generation mechanism of the clearing information, the flow of the clearing information can be better monitored, preventing the situation of repeated sending or missed sending, and also helping users to directly handle transaction information errors or abnormalities in the system, avoiding the operation risks of users going to handle offline. At the same time, the cost of clearing can be reduced by using the manual netting and automatic netting functions. BRIEF DESCRIPTION OF THE DRAWINGS

[0064] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments and descriptions thereof of the present application are used to explain the present application and do not constitute an improper limitation of the present application. In the drawings:

[0065] Figure 1 It is a schematic flowchart of the transaction clearing method in the embodiment of the present application;

[0066] Figure 2 It is a schematic structural diagram of the transaction clearing device in the embodiment of the present application;

[0067] Figure 3 It is a schematic structural diagram of an electronic device in the embodiment of the present application. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0068] To make the objectives, technical solutions and advantages of the present application clearer, the technical solutions of the present application will be clearly and completely described below in conjunction with the specific embodiments of the present application and the corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

[0069] In the current system for processing related financial market operations, the commonly used approach in the banking industry is to obtain and automatically generate the required clearing information according to the preset clearing rules, and send it to the downstream system after generation, and the downstream system uniformly sends it out to complete the clearing. However, there is no detailed processing mechanism for the clearing business in the scenario of transaction modification and cancellation.

[0070] When there are errors in transaction information or the transaction is cancelled, how should the settlement corresponding to the transaction be normally transferred within the system? Errors in transaction information include, but are not limited to, errors in external downstream transaction information, mapping errors when external downstream transaction information is transmitted to the business system, or mismatches between the actual incoming amount and the transaction bookkeeping amount during settlement. A transaction cancellation refers to situations where the account balances of both parties in the transaction are insufficient, etc.

[0071] The following deficiencies exist in the related technologies:

[0072] (1) Lack of consideration for special transaction scenarios. When there are errors in transaction elements or the transaction is cancelled by agreement between the two parties, manual offline processing is usually required, and there is a lack of corresponding processing mechanisms and processes within the system.

[0073] (2) When performing offline manual processing for special transaction scenarios, not only is the efficiency low, but there are also relatively high operation risks.

[0074] In view of the above deficiencies, an easy settlement method is provided in the embodiments of the present application, mainly for the settlement of single - transaction modification and cancellation. When a transaction needs to be modified or cancelled, it can be processed by directly modifying the transaction elements in the business system, avoiding the cumbersome offline manual processing process and reducing operation risks. At the same time, a transfer mechanism for settlement information between different systems is provided. By assigning different states to the settlement information, it is ensured that there are no errors during the transmission of settlement information between systems, effectively avoiding the problem of duplicate settlement.

[0075] The following will, with reference to the accompanying drawings, detail the technical solutions provided by each embodiment of the present application.

[0076] The embodiments of the present application provide a transaction settlement method. As Figure 1 shown, a schematic flowchart of the transaction settlement method in the embodiments of the present application is provided. The method at least includes the following steps S110 to step S120:

[0077] Step S110, monitor the settlement instruction.

[0078] After the transaction is entered and saved, the cash system generates cash flows by combining transaction information and preset cash flow generation rules. After the transaction is approved, the cash flow module sends a message to the settlement module. After the settlement module receives the message, the cash system captures the information in the cash flow and the transaction to generate a settlement instruction. When generating, one settlement instruction corresponds to one cash flow. When generating the settlement instruction, it will automatically check whether there is a settlement instruction with the same transaction number, currency, and settlement date in all three fields. If it exists, after the settlement instruction is generated, the settlement instructions with the same transaction number, currency, and settlement date in all three fields will be automatically netted to generate a new settlement instruction, and the newly generated settlement instruction after netting will be sent to the downstream system for settlement processing. If it does not exist, no automatic netting will be performed, and it will be directly sent to the downstream system for settlement processing after the settlement instruction is generated. For the monitoring of settlement instructions, the situation of settlement instructions in different states can be obtained.

[0079] Optionally, when monitoring the status of the settlement instruction (information), if the same status is placed on the cash flow corresponding to the settlement information, the same effect can also be obtained.

[0080] Step S120, in response to a transaction operation request, process according to different states in the settlement instruction.

[0081] In response to transaction modification and cancellation operations in the transaction operation request, after obtaining the latest transaction information and cash flow, through the state transition of the settlement instruction, the settlement processing in special transaction scenarios is automatically realized, making the settlement processing safer, more accurate and efficient.

[0082] Through the above method, the flow of settlement information can be better monitored, preventing duplicate sending or missing sending, and also providing help for users to directly process transaction information errors or anomalies in the system, avoiding the operation risks of users going to process offline.

[0083] In an embodiment of the present application, the transaction operation request at least includes a transaction modification operation request. The responding to the transaction operation request and processing according to different states in the settlement instruction includes: obtaining new transaction information according to the transaction elements in the transaction modification operation request; generating a new cash flow according to the new transaction information; if it is determined that the transaction elements of the new cash flow have changed, then process according to different states in the settlement instruction, and the different states in the settlement instruction include netted or un-netted.

[0084] When a transaction modification operation request occurs in the fund trading system, one settlement instruction corresponds to one cash flow. If the user modifies the transaction elements on the trading interface, the fund trading system will generate a new cash flow based on the new transaction information. After the transaction approval is passed, the cash flow module will send a message to the settlement module. When the settlement module receives the message, it will verify which transaction elements have changed. If any field of the settlement channel, settlement method, transaction type, payment and receipt direction, settlement date, currency, settlement amount in the cash flow or all the fields of the summary information have not changed, the settlement module does not need to process; if there are changes, it is necessary to further verify the status of the settlement instruction.

[0085] It can be understood that the fund trading system includes a cash flow module, a settlement module, etc., and the cash flow module will send a message to the settlement module.

[0086] In an embodiment of the present application, different states in the settlement instruction at least include one of the following: to-be-manually-processed state, to-be-sent state, netted state, sent successfully state, settled successfully state, settled failed state, matched successfully state, to-be-matched state, cancelled state.

[0087] During the process of the settlement instruction flowing, in order to better monitor the situation of the settlement instruction, the following states are set including but not limited to:

[0088] To-be-manually-processed means the settlement information that needs to be manually confirmed before being sent out.

[0089] To-be-sent means the settlement information that has been manually confirmed or waits for the system to automatically send without confirmation.

[0090] Netted means the status of the netted settlement instruction is netted.

[0091] Sent successfully means the settlement information that has been successfully sent to the downstream system.

[0092] Settled successfully means the settlement information that has been settled successfully.

[0093] Settled failed means the settlement information that clearly finds business information errors and cannot be used for settlement.

[0094] Matched successfully means the collection settlement information is successfully matched.

[0095] To-be-matched / unbundled means the downstream system unbundles manually.

[0096] Cancelled means the settlement information is cancelled successfully.

[0097] Through the above states, it is possible to monitor each settlement information, thus avoiding the situation of duplicate sending or missed sending.

[0098] In an embodiment of the present application, when the settlement instruction is in the netted state, the current settlement instruction is recorded as the second settlement instruction; the third settlement instruction is found through the settlement instruction number associated with the second settlement instruction, and then the first settlement instruction associated with the third settlement instruction is found using the settlement instruction number of the third settlement instruction. The relationship among the first settlement instruction, the second settlement instruction, and the third settlement instruction is that the first settlement instruction and the second settlement instruction are netted to generate the third settlement instruction; the status of the third settlement instruction is verified.

[0099] When a transaction needs to be modified, the user modifies the transaction elements on the transaction interface, and the system generates a new cash flow based on the new transaction information. After the transaction approval is passed, the cash flow module sends a message to the settlement module. After receiving the message, the settlement module verifies and determines which elements have changed. If the settlement channels, settlement methods, transaction types, payment and receipt directions, settlement dates, currencies, settlement amounts of the cash flow, or all the fields of the remittance route information have not changed, the settlement module does not need to process; if there are changes, the status of the settlement instruction needs to be further verified.

[0100] If the status is netted, the settlement instruction is recorded as B (the second settlement instruction), the third settlement instruction C is found through the settlement instruction number associated with B, and then the first settlement instruction A associated with C is found using the settlement instruction number of C. The relationship among A, B, and C is that A and B are netted to generate C. The transaction management system needs to verify the status of C and handle it in different cases.

[0101] In an embodiment of the present application, the method further includes: when the third settlement instruction is in the state of waiting for manual processing or the state of waiting to be sent, setting the status of the third settlement instruction to cancelled, setting the status of the second settlement instruction to cancelled, and setting the status of the first settlement instruction to waiting for manual processing; regenerating a new second settlement instruction according to the new transaction information and cash flow information, and netting the new second settlement instruction and the first settlement instruction to generate a new third settlement instruction and sending it to the downstream system; when the third settlement instruction is in the state of waiting for matching, settlement failure, or matching success, sending a cancellation notice of the third settlement instruction to the downstream system, and setting the status of the third settlement instruction to being cancelled after the cancellation notice is successfully sent; after receiving the receipt of successful cancellation from the downstream system, setting the status of the third settlement instruction to cancelled, setting the status of the second settlement instruction to cancelled, and setting the status of the first settlement instruction to waiting for manual processing; regenerating a new second settlement instruction according to the new transaction information and cash flow information, manually selecting and netting the new second settlement instruction and the first settlement instruction to generate a new third settlement instruction and sending it to the downstream system.

[0102] If the status of C is pending manual processing or pending sending, directly set the status of C to cancelled within the business system, then set the status of B to cancelled, and then set the status of A to pending manual processing. Then, the business system regenerates a new settlement instruction B1 based on the new transaction information and cash flow information. After that, B1 and A are automatically netted within the system to generate C1 and sent to the downstream system.

[0103] If the status of C is pending matching (unbundled), settlement failed, or matching successful, the business system automatically sends a cancellation notice of C to the downstream system. When the cancellation notice is successfully sent, the status of C is automatically set to cancelling within the business system. After the downstream system returns a receipt of "cancellation successful" to the business system, the status of C is set to cancelled within the business system, then the status of B is set to cancelled, and the status of A is set to pending manual processing.

[0104] Then, the business system regenerates a new settlement instruction B1 (new second settlement instruction) based on the new transaction information and cash flow information. The user can manually select B1 and A to perform manual netting to generate C1 and send it to the downstream system.

[0105] Through the above method, the use of manual netting and automatic netting functions can reduce the cost of settlement.

[0106] In an embodiment of the present application, the method further includes: if the status of the third settlement instruction is settlement successful, no processing is performed on the third settlement instruction; generating a settlement instruction that is the reverse of the second settlement instruction, and regenerating a new second settlement instruction based on the new transaction information and cash flow information. The user manually selects the second settlement instruction and the settlement instruction that is the reverse of the second settlement instruction to perform manual netting to generate a third settlement instruction and send it to the downstream system; if the status of the third settlement instruction is sent successfully, sending a cancellation notice of the third settlement instruction to the downstream system, and setting the status of the third settlement instruction to cancelling after the cancellation notice is successfully sent; when the downstream system returns a cancellation successful receipt, setting the status of the third settlement instruction to cancelled, then setting the status of the second settlement instruction to cancelled, and the status of the first settlement instruction to pending manual processing; regenerating a new second settlement instruction based on the new transaction information and cash flow information. The user manually selects the new second settlement instruction and the first settlement instruction to perform manual netting to generate a new third settlement instruction and send it to the downstream system; when the downstream system returns a settlement successful receipt, setting the status of the third settlement instruction to settlement successful, not processing the second settlement instruction, and at the same time generating a settlement instruction that is the reverse of the second settlement instruction; regenerating a new second settlement instruction based on the new transaction information and cash flow information. Manually select the new second settlement instruction and the settlement instruction that is the reverse of the second settlement instruction to perform manual netting and send it to the downstream system.

[0107] If the status of C is successful liquidation, no action is taken on C. The system automatically generates a liquidation instruction -B that counteracts B. Then, the system regenerates a new liquidation instruction B1 based on the new transaction and cash flow information. The user can manually select B1 and -B to perform manual netting to generate C1 and send it to the downstream system.

[0108] If the status of C is successful sending, the system automatically sends a cancellation notice of C to the downstream system. After the cancellation notice is successfully sent, the status of C in the business system is automatically set to "canceling", but the downstream system will return two types of acknowledgments depending on the situation.

[0109] Acknowledgment 1: When the cancellation success acknowledgment is returned, the status of C in the business system is set to "cancelled", then the status of B is set to "cancelled", and the status of A is set to "pending manual processing". Then, the business system regenerates a new liquidation instruction B1 based on the new transaction and cash flow information. The user can manually select B1 and A to perform manual netting to generate C1 and send it to the downstream system.

[0110] Acknowledgment 2: When the liquidation success acknowledgment is returned, the status of C is set to successful liquidation, no action is taken on B, and a liquidation instruction -B that counteracts B is generated at the same time. Then, the system regenerates a new liquidation instruction B1 based on the new transaction and cash flow information. Manually select B1 and -B to perform manual netting and send it to the downstream system.

[0111] The cost of liquidation can be reduced by using the functions of manual netting and automatic netting.

[0112] In an embodiment of the present application, when the liquidation instruction is in an un-netted state, for the liquidation information with the status of "pending manual processing" and "pending sending" of the liquidation instruction, the status of the liquidation information is set to "cancelled", indicating that the cancellation of the old liquidation information is successful; a new liquidation instruction is regenerated based on the new transaction and cash flow information and sent to the downstream system.

[0113] For the liquidation information with the status of "pending manual processing" and "pending sending", directly setting the status of the liquidation information to "cancelled" in the business system indicates that the cancellation of the old liquidation information is successful. Then, the system regenerates a new liquidation instruction based on the new transaction and cash flow information and sends it to the downstream system.

[0114] In one embodiment of the present application, for a liquidation application where the status of the liquidation instruction is in a pending matching status, a liquidation failure status, or a matching success status, a cancellation notice of the old liquidation application is sent to the downstream system. After the cancellation notice is successfully sent, the status of the liquidation information is set to "canceling"; after the downstream system returns a receipt of successful cancellation, the status of the old liquidation information is set to "cancelled", indicating that the cancellation of the old liquidation information is successful; a new liquidation instruction is regenerated based on the new transaction information and cash flow information and sent to the downstream system; for a liquidation application where the status of the liquidation instruction is liquidation success, no cancellation operation is performed on the old liquidation instruction, and a liquidation instruction that is a reverse charge of the liquidation instruction with liquidation success is generated; a new liquidation instruction is regenerated based on the new transaction information and cash flow information, and the new liquidation instruction and its corresponding reverse charge liquidation instruction are manually selected for manual netting and sent to the downstream system.

[0115] For a liquidation application with a status of pending matching (unbound), liquidation failure, or matching success, the business system automatically sends a cancellation notice of the old liquidation application to the downstream system. After the cancellation notice is successfully sent, the status of the liquidation information is automatically set to "canceling" within the business system. After the downstream system returns a receipt of successful cancellation to the business system, the status of the old liquidation information is set to "cancelled" within the business system, indicating that the cancellation of the old liquidation information is successful. Then, the system regenerates a new liquidation instruction based on the new transaction information and cash flow information and sends it to the downstream system.

[0116] In one embodiment of the present application, for liquidation information with a status of successful sending of the liquidation instruction, a cancellation notice of the old liquidation application is sent to the downstream system. After the cancellation notice is successfully sent, the status of the liquidation information is set to "canceling"; when the downstream system returns a receipt of successful cancellation, the status of the old liquidation information is set to "cancelled", and a new liquidation instruction is regenerated based on the new transaction information and cash flow information and sent to the downstream system; when the downstream system returns a receipt of liquidation success, the status of the old liquidation instruction is set to liquidation success, and a liquidation instruction that is a reverse charge of the old liquidation instruction is generated; a new liquidation instruction is regenerated based on the new transaction information and cash flow information, and the new liquidation instruction and its corresponding reverse charge liquidation instruction are manually selected for manual netting and sent to the downstream system.

[0117] For a liquidation application with a status of liquidation success, no cancellation operation is performed on the old liquidation instruction, and the system automatically generates a liquidation instruction that is a reverse charge of the liquidation instruction with liquidation success, i.e., the amount is the same but the payment and receipt directions are opposite. Then, the system regenerates a new liquidation instruction based on the new transaction information and cash flow information, and the new liquidation instruction and its corresponding reverse charge liquidation instruction are manually selected for manual netting and sent to the downstream system.

[0118] For the settlement information with the status of successful sending, the system automatically sends a cancellation notice of the old settlement application to the downstream system. After the cancellation notice is successfully sent, the status of the settlement information in the business system is automatically set to "canceling". The downstream system will return two types of acknowledgments depending on the situation.

[0119] Acknowledgment 1: When the cancellation success acknowledgment is returned, the status of the old settlement information in the business system is set to "cancelled". Then, the system regenerates a new settlement instruction based on the new transaction information and cash flow information and sends it to the downstream system.

[0120] Acknowledgment 2: When the settlement success acknowledgment is returned, the status of the old settlement instruction is set to "settlement successful", and at the same time, a settlement instruction that offsets the old settlement instruction is generated. Then, the system regenerates a new settlement instruction based on the new transaction information and cash flow information. The new settlement instruction and its corresponding offset settlement instruction are manually selected for manual netting and sent to the downstream system.

[0121] In an embodiment of the present application, the transaction operation request at least includes a transaction cancellation operation request. In response to the transaction operation request, different processing is performed according to different states in the settlement instruction, including: according to the cancellation transaction operation in the transaction modification operation request, canceling all cash flows under the transaction; verifying the status of the settlement instruction to be canceled, and performing different processing according to different states in the settlement instruction. The different states in the settlement instruction include netted or un-netted.

[0122] When a transaction needs to be canceled, the user clicks "cancel transaction" on the transaction interface. The system will cancel all cash flows under the transaction. After the transaction approval is passed, the cash flow module will push a message to the settlement module. After receiving the message, the settlement module will further verify the status of the settlement application to be canceled and perform the following processing according to different situations.

[0123] In an embodiment of the present application, the method further includes: in the case where the settlement instruction is un-netted, for the settlement information with the status of "pending manual processing" or "pending sending", setting the status of the settlement information to "cancelled", indicating that the cancellation of the old settlement information is successful; for the settlement applications with the status of "pending matching", "settlement failed", "matching successful", "sending successful", and "settlement successful", sending a cancellation notice of the old settlement application to the downstream system. After the cancellation notice is successfully sent, setting the status of the settlement information to "canceling"; after the downstream system returns a cancellation success acknowledgment, setting the status of the old settlement information to "cancelled", indicating that the cancellation of the old settlement information is successful.

[0124] For the settlement information with the status of "pending manual processing" and "pending sending", directly setting the status of the settlement information to "cancelled" in the business system indicates that the cancellation of the old settlement information is successful.

[0125] For liquidation applications with statuses of pending matching (unbound), liquidation failure, matching success, sending success, and liquidation success, the system automatically sends a cancellation notice of the old liquidation application to the downstream system. After the cancellation notice is successfully sent, the status of the liquidation information in the business system is automatically set to "canceling". After the downstream system returns a receipt of successful cancellation to the business system, the status of the old liquidation information in the business system is set to "cancelled", indicating that the cancellation of the old liquidation information is successful.

[0126] In an embodiment of the present application, the method further includes: when the liquidation instruction is netted, recording the current liquidation instruction as the second liquidation instruction; finding the third liquidation instruction through the liquidation instruction number associated with the second liquidation instruction, and then finding the first liquidation instruction associated with the third liquidation instruction using the liquidation instruction number of the third liquidation instruction. The relationship among the first liquidation instruction, the second liquidation instruction, and the third liquidation instruction is that the first liquidation instruction and the second liquidation instruction are netted to generate the third liquidation instruction; when the status of the third liquidation instruction is in a state of pending manual processing or pending sending, setting the status of the third liquidation instruction to "cancelled", indicating that the cancellation of the third liquidation instruction is successful; setting the statuses of the second liquidation instruction and the first liquidation instruction to "cancelled", indicating that the cancellation of the liquidation instruction is successful; when the status of the third liquidation instruction is in a state of pending matching, liquidation failure, matching success, sending success, or liquidation success, sending a cancellation notice of the third liquidation instruction to the downstream system. After the cancellation notice is successfully sent, setting the status of the third liquidation instruction to "canceling"; after the downstream system returns a receipt of successful cancellation to the business system, setting the status of the third liquidation instruction to "cancelled", and setting the statuses of the second liquidation instruction and the first liquidation instruction to "cancelled", indicating that the cancellation of the liquidation instruction is successful.

[0127] If the status is netted, record this liquidation instruction as B (the second liquidation instruction). Find C (the third liquidation instruction) through the liquidation instruction number associated with B, and then find A (the first liquidation instruction) associated with C using the liquidation instruction number of C. The relationship among A, B, and C is that A and B are netted to generate C. The system needs to verify the status of C and handle it as follows in different cases:

[0128] If the status of C is pending manual processing and pending sending, directly set the status of C to "cancelled" in the business system, indicating that the cancellation of C is successful. Then set the statuses of B and A to "cancelled", indicating that the cancellation of the liquidation instruction is successful.

[0129] If the status of C is to be matched (unbound), liquidation failed, match successful, send successful, or liquidation successful, the system automatically sends a cancellation notice of C to the downstream system. After the cancellation notice is successfully sent, the status of C in the business system is automatically set to "canceling". After the downstream system returns a receipt of successful cancellation to the business system, the status of C in the business system is set to "cancelled", and then the statuses of B and A are set to "cancelled", indicating that the liquidation instruction cancellation is successful.

[0130] It can be understood that the above-mentioned "first liquidation instruction", "second liquidation instruction", and "third liquidation instruction" usually refer to liquidation instructions that are all different from each other. And when the relationship among the "first liquidation instruction", "second liquidation instruction", and "third liquidation instruction" is that the "first liquidation instruction" and the "second liquidation instruction" are netted to generate the "third liquidation instruction", the business system needs to verify the status of the "third liquidation instruction".

[0131] The above is to monitor the status of liquidation information. If the same status is placed on the cash flow corresponding to the liquidation information, the same effect can be obtained.

[0132] The embodiment of the present application also provides a transaction liquidation device 200, as Figure 2 shown, which provides a schematic structural diagram of the transaction liquidation device in the embodiment of the present application. The transaction liquidation device 200 at least includes: a monitoring module 210 and a response module 220, where:

[0133] In an embodiment of the present application, the monitoring module 210 is specifically configured to: monitor liquidation instructions.

[0134] After the transaction is entered and saved, the cash system generates a cash flow in combination with the transaction information and the preset cash flow generation rule. After the transaction is approved, the cash flow module pushes a message to the liquidation module. After the liquidation module receives the message, the cash system captures the information in the cash flow and the transaction to generate a liquidation instruction, and one liquidation instruction corresponds to one cash flow when generating. When the liquidation instruction is generated, it is automatically verified whether there are liquidation instructions with the same transaction number, currency, and liquidation date in all three fields. If there are, after the liquidation instruction is generated, the liquidation instructions with the same transaction number, currency, and liquidation date in all three fields are automatically netted to generate a brand-new liquidation instruction, and the newly generated liquidation instruction after netting is sent to the downstream system for liquidation processing. If not, no automatic netting is performed, and the liquidation instruction is directly sent to the downstream system for liquidation processing after it is generated. For the monitoring of liquidation instructions, the situation of liquidation instructions in different statuses can be obtained.

[0135] Optionally, when monitoring the status of liquidation instructions (information), if the same status is placed on the cash flow corresponding to the liquidation information, the same effect can also be obtained.

[0136] In one embodiment of the present application, the response module 220 is specifically configured to: in response to a transaction operation request, process according to different states in the clearing instruction.

[0137] In response to transaction modification and cancellation operations in the transaction operation request, after obtaining the latest transaction information and cash flow, the clearing is automatically processed through the state transition of the clearing instruction, making the clearing process safer, more accurate and efficient.

[0138] The transaction operation request at least includes a transaction modification operation request. The step of, in response to a transaction operation request, processing according to different states in the clearing instruction includes:

[0139] Obtain new transaction information according to the transaction elements in the transaction modification operation request;

[0140] Generate a new cash flow according to the new transaction information;

[0141] If it is determined that the transaction elements of the new cash flow have changed, then process according to different states in the clearing instruction, and the different states in the clearing instruction include netted or un-netted.

[0142] In one embodiment of the present application, the different states in the clearing instruction at least include one of the following:

[0143] Pending manual processing state, pending sending state, netted state, sent successfully state, cleared successfully state, cleared failed state, matched successfully state, pending matching state, cancelled state.

[0144] In one embodiment of the present application, when the clearing instruction is in the netted state, the current clearing instruction is recorded as the second clearing instruction;

[0145] Find the third clearing instruction through the clearing instruction number associated with the second clearing instruction, and then find the first clearing instruction associated with the third clearing instruction by using the clearing instruction number of the third clearing instruction. The relationship among the first clearing instruction, the second clearing instruction and the third clearing instruction is that the first clearing instruction and the second clearing instruction are netted to generate the third clearing instruction;

[0146] Verify the state of the third clearing instruction.

[0147] In one embodiment of the present application, the device is further configured to:

[0148] When the third settlement instruction is in the state of waiting for manual processing or the state of waiting to be sent, set the state of the third settlement instruction to cancelled, and set the state of the second settlement instruction to cancelled and the state of the first settlement instruction to waiting for manual processing;

[0149] Regenerate a new second settlement instruction according to the new transaction information and cash flow information, and perform a netting of the new second settlement instruction and the first settlement instruction to generate a new third settlement instruction and send it to the downstream system;

[0150] When the third settlement instruction is in the state of waiting for matching, settlement failure or matching success, send a cancellation notice of the third settlement instruction to the downstream system, and set the state of the third settlement instruction to being cancelled after the cancellation notice is successfully sent;

[0151] After waiting for the downstream system to return a receipt of successful cancellation, set the state of the third settlement instruction to cancelled, set the state of the second settlement instruction to cancelled and set the state of the first settlement instruction to waiting for manual processing;

[0152] Regenerate a new second settlement instruction according to the new transaction information and cash flow information, manually select to perform a manual netting of the new second settlement instruction and the first settlement instruction to generate a new third settlement instruction and send it to the downstream system.

[0153] In an embodiment of the present application, the device is further configured to:

[0154] When the state of the third settlement instruction is settlement success, no processing is performed on the third settlement instruction;

[0155] Generate a settlement instruction that recoils with the second settlement instruction, regenerate a new second settlement instruction according to the new and cash flow information, and the user manually selects the second settlement instruction and the settlement instruction that recoils with the second settlement instruction to perform a manual netting to generate a third settlement instruction and send it to the downstream system;

[0156] When the state of the third settlement instruction is sent successfully, send a cancellation notice of the third settlement instruction to the downstream system, and set the state of the third settlement instruction to being cancelled after the cancellation notice is successfully sent;

[0157] When the downstream system returns a receipt of successful cancellation, set the state of the third settlement instruction to cancelled, and then set the state of the second settlement instruction to cancelled and the state of the first settlement instruction to waiting for manual processing;

[0158] Regenerate a new second settlement instruction according to the new transaction information and cash flow information, and the user manually selects the new second settlement instruction and the first settlement instruction to perform a manual netting to generate a new third settlement instruction and send it to the downstream system;

[0159] When the downstream system returns a successful liquidation receipt, set the status of the third liquidation instruction to successful liquidation, do not process the second liquidation instruction, and at the same time generate a liquidation instruction that offsets the second liquidation instruction;

[0160] Regenerate a new second liquidation instruction based on the new transaction information and cash flow information, manually select the new second liquidation instruction and the liquidation instruction that offsets the second liquidation instruction for manual netting and send them to the downstream system.

[0161] In an embodiment of the present application, when the liquidation instruction is in an un-netted state,

[0162] For the liquidation information with the status of the liquidation instruction being pending manual processing and pending sending, set the status of this liquidation information to cancelled, indicating that the cancellation of the old liquidation information is successful;

[0163] Regenerate a new liquidation instruction based on the new transaction information and cash flow information and send it to the downstream system.

[0164] In an embodiment of the present application, the device is further configured to:

[0165] For the liquidation application with the status of the liquidation instruction being pending matching, liquidation failure or matching success, send a cancellation notice of the old liquidation application to the downstream system, and set the status of this liquidation information to being cancelled after the cancellation notice is successfully sent;

[0166] After the downstream system returns a receipt of successful cancellation, set the status of the old liquidation information to cancelled, indicating that the cancellation of the old liquidation information is successful;

[0167] Regenerate a new liquidation instruction based on the new transaction information and cash flow information and send it to the downstream system;

[0168] For the liquidation application with the status of the liquidation instruction being successful liquidation, do not perform a cancellation operation on the old liquidation instruction, and generate a liquidation instruction that offsets the successful liquidation instruction;

[0169] Regenerate a new liquidation instruction based on the new transaction information and cash flow information, manually select the new liquidation instruction and its corresponding offset liquidation instruction for manual netting and send them to the downstream system.

[0170] In an embodiment of the present application, the device is further configured to:

[0171] For the liquidation information with the status of the liquidation instruction being sent successfully, send a cancellation notice of the old liquidation application to the downstream system, and set the status of this liquidation information to being cancelled after the cancellation notice is successfully sent;

[0172] When the downstream system returns a cancellation success receipt, set the status of the old settlement information to cancelled, regenerate a new settlement instruction based on the new transaction information and cash flow information, and send it to the downstream system;

[0173] When the downstream system returns a settlement success receipt, set the status of the old settlement instruction to settlement success, and generate a settlement instruction that offsets the old settlement instruction;

[0174] Regenerate a new settlement instruction based on the new transaction information and cash flow information, manually select the new settlement instruction and its corresponding offset settlement instruction for manual netting, and send it to the downstream system.

[0175] In an embodiment of the present application, the transaction operation request at least includes a transaction cancellation operation request. In response to the transaction operation request, different processing is performed according to different states in the settlement instruction, including:

[0176] According to the cancellation transaction operation in the transaction modification operation request, revoke all cash flows under this transaction;

[0177] Verify the status of the settlement instruction to be cancelled, and perform different processing according to different states in the settlement instruction. The different states in the settlement instruction include netted or un-netted.

[0178] In an embodiment of the present application, the device is further configured to:

[0179] In the case where the settlement instruction is un-netted, for the settlement information with a status of pending manual processing or pending sending, set the status of this settlement information to cancelled, indicating that the cancellation of the old settlement information is successful;

[0180] For the settlement application with a status of pending matching, settlement failure, matching success, sending success, or settlement success, send a cancellation notice of the old settlement application to the downstream system. After the cancellation notice is successfully sent, set the status of this settlement information to cancelling;

[0181] After the downstream system returns a cancellation success receipt, set the status of the old settlement information to cancelled, indicating that the cancellation of the old settlement information is successful.

[0182] In an embodiment of the present application, the device is further configured to:

[0183] In the case where the settlement instruction is netted, record the current settlement instruction as the second settlement instruction;

[0184] Find the third clearing instruction based on the clearing instruction number associated with the second clearing instruction, and then use the clearing instruction number of the third clearing instruction to find the first clearing instruction associated with the third clearing instruction. The relationship among the first clearing instruction, the second clearing instruction, and the third clearing instruction is that the first clearing instruction and the second clearing instruction are netted to generate the third clearing instruction;

[0185] When the status of the third clearing instruction is in the state of waiting for manual processing or waiting to be sent, set the status of the third clearing instruction to cancelled, indicating that the cancellation of the third clearing instruction is successful;

[0186] Set the statuses of the second clearing instruction and the first clearing instruction to cancelled, indicating that the cancellation of the clearing instruction is successful;

[0187] When the status of the third clearing instruction is in the state of waiting for matching, clearing failure, matching success, sending success, or clearing success, send a cancellation notice of the third clearing instruction to the downstream system. After the cancellation notice is successfully sent, set the status of the third clearing instruction to being cancelled;

[0188] After the downstream system returns a receipt of successful cancellation to the business system, set the status of the third clearing instruction to cancelled, and set the statuses of the second clearing instruction and the first clearing instruction to cancelled, indicating that the cancellation of the clearing instruction is successful.

[0189] It can be understood that the above transaction clearing device can implement each step of the transaction clearing method provided in the foregoing embodiment. The relevant explanations regarding the transaction clearing method are applicable to the transaction clearing device and will not be elaborated here.

[0190] Figure 3 It is a schematic structural diagram of an electronic device according to an embodiment of the present application. Please refer to Figure 3 , at the hardware level, the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and a memory. Among them, the memory may include a memory, such as a high-speed random access memory (Random-Access Memory, RAM), and may also include a non-volatile memory, such as at least one disk memory, etc. Of course, the electronic device may also include other hardware required for other services.

[0191] The processor, network interface, and memory can be interconnected via an internal bus, which can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 3 only a bidirectional arrow is used in

[0192] Memory, used to store programs. Specifically, the program can include program code, and the program code includes computer operation instructions. The memory can include a memory and a non-volatile memory, and provide instructions and data to the processor.

[0193] The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs it, forming a transaction settlement device at the logical level. The processor executes the program stored in the memory and is specifically used to perform the following operations:

[0194] Monitor settlement instructions;

[0195] In response to a transaction operation request, perform processing according to different states in the settlement instructions.

[0196] The above is as in this application Figure 1The method executed by the transaction clearing device disclosed in the illustrated embodiment can be applied to or implemented by a processor. The processor may be an integrated circuit chip with signal processing capabilities. During implementation, the steps of the above method can be completed by the integrated logic circuit in the hardware of the processor or instructions in software form. The above processor may be a general-purpose processor, including a Central Processing Unit (CPU), a Network Processor (NP), etc.; it may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. It can implement or execute the various methods, steps, and logic block diagrams disclosed in the embodiments of the present application. The general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc. The steps of the method disclosed in combination with the embodiments of the present application can be directly embodied as being executed and completed by the hardware decoding processor, or executed and completed by the combination of the hardware and software modules in the decoding processor. The software module may be located in a mature storage medium in the art such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory, or an electrically erasable programmable memory, a register, etc. This storage medium is located in the memory, and the processor reads the information in the memory and combines its hardware to complete the steps of the above method.

[0197] The electronic device can also execute Figure 1 the method executed by the transaction clearing device in Figure 1 the illustrated embodiment and implement the functions of the transaction clearing device in

[0198] Embodiments of the present application also propose a computer-readable storage medium that stores one or more programs. The one or more programs include instructions that, when executed by an electronic device including multiple application programs, can enable the electronic device to execute Figure 1 the method executed by the transaction clearing device in the illustrated embodiment and specifically used to execute:

[0199] Monitor clearing instructions;

[0200] In response to a transaction operation request, process according to different states in the clearing instructions.

[0201] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) that contain computer-usable program code.

[0202] The present invention is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowchart and / or block diagram, as well as the combination of flows 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 the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing devices generate means for implementing the functions specified in Figure 1 one flow or multiple flows and / or blocks Figure 1 one block or multiple blocks.

[0203] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory generate a manufactured article including instruction means that implement the functions specified in Figure 1 one flow or multiple flows and / or blocks Figure 1 one block or multiple blocks.

[0204] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in Figure 1 one flow or multiple flows and / or blocks Figure 1 one block or multiple blocks.

[0205] In a typical configuration, a computing device includes one or more processors (CPUs), an input / output interface, a network interface, and memory.

[0206] The memory may include non-permanent memory in the form of computer-readable media, random access memory (RAM), and / or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). The memory is an example of computer-readable media.

[0207] 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 tape 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.

[0208] It should also be noted that the terms "include", "comprises" or any other variations 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 more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0209] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt 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.) that contain computer-usable program code.

[0210] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A transaction settlement method, wherein: The method comprises: Monitor liquidation instructions; In response to the transaction operation request, the clearing instruction is processed separately according to different states.

2. The method of claim 1, wherein: The transaction operation request at least includes a transaction modification operation request, and the response to the transaction operation request is processed respectively according to different states in the clearing instruction, including: Acquire new transaction information according to the transaction elements in the transaction modification operation request; Generate new cash flow according to the new transaction information; If it is determined that the transaction elements of the new cash flow have changed, they are processed separately according to different states in the settlement instruction, and the different states in the settlement instruction include whether the difference has been netted or not.

3. The method of claim 2, wherein: The different states in the liquidation instruction include at least one of the following: Status of waiting for manual processing, status of waiting for sending, status of settled differences, status of successful sending, status of successful settlement, status of failed settlement, status of successful matching, status of waiting for matching, and status of cancelled.

4. The method of claim 2, wherein: When the settlement instruction is in a netted state, the current settlement instruction is recorded as the second settlement instruction; The third clearing instruction is found by the clearing instruction number associated with the second clearing instruction, and the first clearing instruction associated with the third clearing instruction is found by using the clearing instruction number of the third clearing instruction, and the relationship among the first clearing instruction, the second clearing instruction and the third clearing instruction is that the third clearing instruction is generated by netting the first clearing instruction and the second clearing instruction; The status of the third clearing instruction is verified.

5. The method according to claim 3, further comprising: When the third settlement instruction is in the state of waiting for manual processing or the state of waiting for sending, the state of the third settlement instruction is set to canceled, the state of the second settlement instruction is set to canceled, and the state of the first settlement instruction is set to waiting for manual processing; Regenerate a new second settlement instruction based on the new transaction information and cash flow information, and net the new second settlement instruction with the first settlement instruction to generate a new third settlement instruction and send it to the downstream system; When the third settlement instruction is in a pending matching state, a settlement failure state, or a matching success state, sending a cancellation notification of the third settlement instruction to the downstream system, and setting the state of the third settlement instruction to being cancelled after the cancellation notification is successfully sent; After the downstream system returns a receipt of successful cancellation, the status of the third settlement instruction is set to canceled, the status of the second settlement instruction is set to canceled, and the status of the first settlement instruction is set to pending manual processing; A new second settlement instruction is regenerated according to the new transaction information and cash flow information, and the new second settlement instruction and the first settlement instruction are manually selected to perform manual netting to generate a new third settlement instruction and send it to the downstream system.

6. The method according to claim 4, further comprising: If the status of the third liquidation instruction is that the liquidation is successful, the third liquidation instruction is not processed; Generate a clearing instruction that is offset against the second clearing instruction, and regenerate a new second clearing instruction based on the new cash flow information. The user manually selects the second clearing instruction and the clearing instruction that is offset against the second clearing instruction to manually net out the difference and generate a third clearing instruction and send it to the downstream system; When the status of the third clearing instruction is successfully sent, sending a cancellation notice of the third clearing instruction to the downstream system, and setting the status of the third clearing instruction to being cancelled after the cancellation notice is successfully sent; When the downstream system returns a cancellation success receipt, the status of the third settlement instruction is set to canceled, and then the status of the second settlement instruction is set to canceled, and the status of the first settlement instruction is set to pending manual processing; A new second settlement instruction is regenerated based on the new transaction information and cash flow information. The user manually selects the new second settlement instruction and the first settlement instruction to perform manual netting to generate a new third settlement instruction and send it to the downstream system. When the downstream system returns a clearing success receipt, the status of the third clearing instruction is set to clearing success, the second clearing instruction is not processed, and a clearing instruction that is reversed with the second clearing instruction is generated; A new second settlement instruction is regenerated based on the new transaction information and cash flow information, and the new second settlement instruction and the settlement instruction that offsets the second settlement instruction are manually selected for manual netting and sent to the downstream system.

7. The method of claim 2, wherein: When the settlement instruction is in the unnetted state, For the clearing information whose status is to be processed manually or to be sent, the status of the clearing information is set to canceled, indicating that the old clearing information is successfully canceled; Regenerate new settlement instructions based on new transaction information and cash flow information and send them to downstream systems.

8. The method of claim 7, wherein: For clearing applications whose status is pending matching, clearing failure or matching success, a cancellation notice of the old clearing application is sent to the downstream system. When the cancellation notice is sent successfully, the clearing information status is set to being canceled; After the downstream system returns a receipt of successful cancellation, the status of the old clearing information is set to canceled, indicating that the old clearing information has been successfully cancelled; Regenerate new settlement instructions based on new transaction information and cash flow information and send them to downstream systems; For a clearing application whose status is "successful clearing", the old clearing instruction will not be cancelled, and a clearing instruction will be generated to offset the successful clearing instruction. New clearing instructions are regenerated based on new transaction information and cash flow information. New clearing instructions and their corresponding backwash clearing instructions are manually selected for manual netting and sent to the downstream system.

9. The method of claim 7, wherein: For clearing information whose status of clearing instruction is sent successfully, a cancellation notice of the old clearing application is sent to the downstream system. When the cancellation notice is sent successfully, the status of the clearing information is set to being canceled; When the downstream system returns a cancellation success receipt, the status of the old settlement information is set to canceled, and a new settlement instruction is regenerated based on the new transaction information and cash flow information and sent to the downstream system; When the downstream system returns a clearing success receipt, the status of the old clearing instruction is set to clearing success, and a clearing instruction is generated to reverse the old clearing instruction; New clearing instructions are regenerated based on new transaction information and cash flow information. New clearing instructions and their corresponding backwash clearing instructions are manually selected for manual netting and sent to the downstream system.

10. The method of claim 1, wherein: The transaction operation request at least includes a transaction cancellation operation request, and the response to the transaction operation request is processed respectively according to different states in the clearing instruction, including: According to the cancel transaction operation in the transaction modification operation request, cancel all cash flows under the transaction; The status of the clearing instruction to be cancelled is checked, and different processing is performed according to different statuses in the clearing instruction, wherein the different statuses in the clearing instruction include whether the difference has been netted or not netted.

11. The method according to claim 10, further comprising: In the case where the settlement instruction is not netted, for the settlement information in the state of waiting for manual processing or waiting for sending, the state of the settlement information is set to canceled, indicating that the old settlement information is successfully cancelled; For the clearing applications whose status is pending matching, clearing failure, matching success, sending success, and clearing success, a cancellation notice of the old clearing application is sent to the downstream system. When the cancellation notice is sent successfully, the clearing information status is set to being canceled; After the downstream system returns a receipt of successful cancellation, the status of the old clearing information is set to canceled, indicating that the old clearing information was successfully cancelled.

12. The method of claim 10, further comprising: In the case where the settlement instruction is netted, the current settlement instruction is recorded as the second settlement instruction; The third clearing instruction is found by the clearing instruction number associated with the second clearing instruction, and the first clearing instruction associated with the third clearing instruction is found by using the clearing instruction number of the third clearing instruction, and the relationship among the first clearing instruction, the second clearing instruction and the third clearing instruction is that the third clearing instruction is generated by netting the first clearing instruction and the second clearing instruction; When the status of the third settlement instruction is in a state of waiting for manual processing or a state of waiting for sending, the status of the third settlement instruction is set to canceled, indicating that the third settlement instruction is successfully canceled; The status of the second liquidation instruction and the first liquidation instruction is changed to canceled, indicating that the liquidation instruction is successfully cancelled; When the status of the third liquidation instruction is a pending matching status, a liquidation failure status, a matching success status, a sending success status, or a liquidation success status, sending a cancellation notice of the third liquidation instruction to the downstream system, and when the cancellation notice is sent successfully, setting the status of the third liquidation instruction to being cancelled; After the downstream system returns a receipt of successful cancellation to the business system, the status of the third clearing instruction is set to canceled, and the status of the second clearing instruction and the first clearing instruction are set to canceled, indicating that the clearing instruction is successfully canceled.

13. A transaction clearing device, wherein: The device comprises: Monitoring module, used to monitor clearing instructions; The response module is used to respond to the transaction operation request and process it according to the different states in the settlement instruction.

14. An electronic device comprising: processor; as well as A memory arranged to store computer executable instructions, which when executed cause the processor to perform the method of any one of claims 1 to 12.

15. A computer-readable storage medium storing one or more programs, which, when executed by an electronic device including a plurality of application programs, causes the electronic device to execute any one of the methods of claims 1 to 12.

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