CN114581072A - Processing method and system for bank-certificate transfer - Google Patents
Processing method and system for bank-certificate transfer Download PDFInfo
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Abstract
The invention discloses a method and a system for processing a bank-certificate transfer, wherein the method comprises the following steps: by obtaining a first transfer transaction requirement; judging whether the dealer supports the first transfer rule; when the transaction securities dealer supports the first transfer rule, obtaining the state of the transfer transaction date; when the account transfer transaction date state meets a first preset state, recording a next clearing date; verifying whether a signing switch and a transfer switch are opened or not is carried out on a securities dealer; obtaining a second checking result based on the date and time and the checking of the white list; verifying whether a dealer date switch is opened or not; and when the verification is passed, the transfer transaction is completed, the transaction date is adjusted to the transaction initiation date of the transaction securities dealer, and clearing and supervision submission processing are carried out. The method solves the technical problems that in the prior art, the trading time is short, the fund of the client securities is difficult to return, the trading requirement on non-working days cannot be met, the experience feeling is poor, and the three-party stock and management signing rate is influenced finally.
Description
Technical Field
The invention relates to the technical field of computer application, in particular to a method and a system for processing bank-certificate transfer.
Background
The transfer transaction time between the bank and the security company has important significance on the operation convenience and the use experience of the customer. In the existing technical scheme of the third party deposit and management project silver certificate transfer, the customer silver certificate transfer operation is concentrated on the window period supporting the silver certificate transfer, and fund transfer operation is carried out or transfer operation is carried out, so that the operation time is concentrated on the time of opening a market, the time window is tight, and the backflow of the customer security fund is difficult. Therefore, a method or a rule for carrying out transfer transaction on non-working days is provided for clients with demands, so that securities dealers and the like can complete the bank and certificate transfer transaction through clients or bank channels and the like, and only the work of internal account checking, supervision and delivery and the like is arranged on the working days, so that the concentration of working day business is avoided. Based on the practical background condition, the research has important significance for supporting the dealer to trade on non-working days and further widening the customer banker money transfer transaction time by carrying out innovative design on the business processing flow.
However, in the prior art, the bank-certificate customer can only carry out transfer transaction on working days, and the technical problems that the transaction time is short, the fund return of the customer security is difficult, the demand of non-working day transaction cannot be met, the experience feeling is poor, and the three-party deposit and management contract rate is finally influenced exist.
Disclosure of Invention
The invention aims to provide a method and a system for processing bank-certificate account transfer, which are used for solving the technical problems that bank-certificate customers can only perform account transfer transaction on working days, the transaction time is short, the fund of the customers is difficult to return, the requirements of non-working day transaction cannot be met, the experience feeling is poor, and the three-party deposit and management contract signing rate is finally influenced in the prior art.
In view of the above problems, the present invention provides a method and a system for processing a bank-certificate transfer.
In a first aspect, the present invention provides a method for processing a silver certificate transfer, where the method is implemented by a system for processing a silver certificate transfer, and the method includes: by obtaining a first transfer transaction requirement; judging whether a trader supports a first transfer rule, wherein the trader is an initiating user of the first transfer trading requirement; when the dealer supports the first transfer rule, obtaining a transfer transaction date state according to the first transfer transaction requirement; when the transfer transaction date state meets a first preset state, recording a next clearing date in the transaction date of the flow meter; verifying whether the register switch and the transfer switch are opened or not to the dealer to obtain a first verification result; when the first check result is that the check is passed, checking date, time and a white list to obtain a second check result; when the second checking result is that the checking is passed, checking whether a dealer date switch is opened or not is carried out; and when the verification is passed, completing the transfer transaction according to the first transfer transaction requirement, adjusting the transaction date to the transaction initiation date of the transaction dealer, and performing clearing and supervision submission processing according to the transaction date and the clearing date.
In another aspect, the present invention further provides a system for processing a silver certificate transfer, configured to execute the method for processing a silver certificate transfer according to the first aspect, where the system includes: a first obtaining unit: the first obtaining unit is used for obtaining a first transfer transaction requirement; a first judgment unit: the first judging unit is used for judging whether a transaction dealer supports a first transferring rule, wherein the transaction dealer is an initiating user of the first transferring transaction requirement; a second obtaining unit: the second obtaining unit is used for obtaining a transfer transaction date state according to the first transfer transaction requirement when the transaction dealer supports the first transfer rule; a first execution unit: the first execution unit is used for recording a next clearing date in the transaction date of the flow meter when the transfer transaction date state meets a first preset state; a third obtaining unit: the third obtaining unit is used for verifying whether the signing switch and the transfer switch are opened or not to the dealer to obtain a first verification result; a fourth obtaining unit: the fourth obtaining unit is used for verifying date, time and a white list when the first verification result is that verification is passed, and obtaining a second verification result; a second execution unit: the second execution unit is used for verifying whether a dealer date switch is opened or not when the second verification result is that the verification is passed; a third execution unit: and the third execution unit is used for finishing the transfer transaction according to the first transfer transaction requirement when the verification is passed, adjusting the transaction date to the transaction initiation date of the transaction dealer, and performing clearing and supervision submission processing according to the transaction date and the clearing date.
In a third aspect, the present invention further provides a system for processing a money transfer, including a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the method according to the first aspect when executing the program.
In a fourth aspect, an electronic device, comprising a processor and a memory;
the memory is used for storing;
the processor is configured to execute the method according to any one of the first aspect above by calling.
In a fifth aspect, a computer program product comprises a computer program and/or instructions which, when executed by a processor, performs the steps of the method of any of the first aspect described above.
One or more technical schemes provided by the invention at least have the following technical effects or advantages:
1. through obtaining customer account transfer transaction demand, and then judge whether the dealer that the demand corresponds permits the bank-certificate account transfer transaction of non-workday, whether accord with first transfer rule promptly, when the dealer permits the transaction of non-workday, and when the demand that this transaction demand was indeed for the demand that the non-workday was mentioned, the system was automatic to the switch of registering of this dealer, the check-up is carried out to the account transfer switch state. When the signing switch and the transfer switch of the corresponding security dealer are both opened, the date and time and the white list information of the security dealer are further verified. Further, if the time and the demand are lifted according to the demand, the customer passes the date and time and the white list verification, the date switch of a security dealer is verified, after the date switch verification is passed, the system automatically completes the demand of the customer transfer transaction, the date of the transaction is adjusted to the transaction initiation date of the security dealer, and finally the bank certificate transfer transaction is cleared and reported under supervision based on the transaction date and the clearing date. The system automatically checks all aspects of corresponding securities traders according to the bank-certificate transfer transaction requirements initiated by the client, and executes the transaction requirements of the client after all checks are met. The technical aim of carrying out bank-certificate transfer transaction processing on non-working days is achieved, the transaction time is widened for the customer transfer transaction, and the technical effect of improving the user experience is further achieved.
2. By carrying out service processing flow optimization and innovation design on the dealer supporting the non-workday account transfer transaction, the dealer can carry out the non-workday transaction, the client-side bank-certificate account transfer transaction time is widened, and the technical effects of meeting the client non-workday bank-certificate account transfer transaction requirements are achieved. Meanwhile, based on the optimized business processing rule, the technical effect of intelligently carrying out ordered clearing and supervision reporting on the non-working-day transfer transaction is achieved.
3. Through the adjustment transformation on the code layer, the demand target of carrying out transfer transaction on the non-working days of the securities dealer is realized, in addition, only transformation is carried out in the system, and the securities dealer end and the bank core end are not transformed, so that simple, convenient, efficient and reasonable non-working day transfer transaction processing is realized.
4. Through setting for first reconversion rule, will support the dealer of non-working day transfer to cut apart into two different code logics with other dealers, realized promptly that the non-working day transfer of money is reformed transform for keeping apart the risk, guarantee this transformation can not influence other dealer's normal transactions, reached the technological effect who improves system security, reliability, practicality.
The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.
Drawings
In order to more clearly illustrate the present invention or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only exemplary, and for those skilled in the art, other drawings can be obtained according to the provided drawings without inventive effort.
FIG. 1 is a schematic flow chart of a processing method of the bank-certificate transfer of the invention;
fig. 2 is a schematic flow chart illustrating that transaction processing is not allowed when the third verification result is that the verification fails in the processing method of the bank-certificate transfer according to the present invention;
FIG. 3 is a schematic flow chart of clearing with a reconciliation FILE according to the CLS _ BANK _ FILE table in the processing method of the cash-and-credit transfer according to the present invention;
fig. 4 is a schematic flow chart illustrating that when the inquiry main body finishes checking in, the inquiry main body is permitted to perform inquiry of the first inquiry information according to the processing method of money transfer in the present invention;
FIG. 5 is a schematic diagram of a system for processing a money transfer according to the present invention;
fig. 6 is a schematic structural diagram of an exemplary electronic device of the present invention.
Description of reference numerals:
a first obtaining unit 11, a first judging unit 12, a second obtaining unit 13, a first executing unit 14, a third obtaining unit 15, a fourth obtaining unit 16, a second executing unit 17, a third executing unit 18, a bus 300, a receiver 301, a processor 302, a transmitter 303, a memory 304, and a bus interface 305.
Detailed Description
The invention provides a processing method and a system for bank-certificate account transfer, and solves the technical problems that in the prior art, bank-certificate customers can only perform account transfer transaction on working days, the transaction time is short, the fund of the customers is difficult to return, the demand of non-working day transaction cannot be met, the experience feeling is poor, and the three-party deposit and management contract signing rate is influenced finally. The system automatically checks all aspects of corresponding securities traders according to the bank-certificate transfer transaction requirements initiated by the client, and executes the transaction requirements of the client after all checks are met. The technical aim of carrying out bank-certificate transfer transaction processing on non-working days is achieved, the transaction time is widened for the customer transfer transaction, and the technical effect of improving the user experience is further achieved.
In the technical scheme of the invention, the acquisition, storage, use, processing and the like of the data all accord with relevant regulations of national laws and regulations.
In the following, the technical solutions in the present invention will be clearly and completely described with reference to the accompanying drawings, and it should be understood that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments of the present invention, and it should be understood that the present invention is not limited by the example embodiments described herein. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention. It should be further noted that, for the convenience of description, only some but not all of the elements associated with the present invention are shown in the drawings.
The invention provides a processing method of bank-certificate transfer, which is applied to a processing system of bank-certificate transfer, wherein the method comprises the following steps: by obtaining a first transfer transaction requirement; judging whether a trader supports a first transfer rule, wherein the trader is an initiating user of the first transfer trading requirement; when the dealer supports the first transfer rule, obtaining a transfer transaction date state according to the first transfer transaction requirement; when the transfer transaction date state meets a first preset state, recording a next clearing date in the transaction date of the flow meter; verifying whether the register switch and the transfer switch are opened or not to the dealer to obtain a first verification result; when the first check result is that the check is passed, checking date, time and a white list to obtain a second check result; when the second checking result is that the checking is passed, checking whether a dealer date switch is opened or not is carried out; and when the verification is passed, completing the transfer transaction according to the first transfer transaction requirement, adjusting the transaction date to the transaction initiating date of a transaction dealer, and clearing and supervising submission processing according to the transaction date and the clearing date.
Having described the general principles of the invention, reference will now be made in detail to various non-limiting embodiments of the invention, examples of which are illustrated in the accompanying drawings.
Example one
Referring to fig. 1, the present invention provides a processing method of a bank-certificate transfer, wherein the method is applied to a processing system of the bank-certificate transfer, and the method specifically includes the following steps:
step S100: obtaining a first transfer transaction requirement;
particularly, the processing method of the bank-certificate transfer is applied to the processing system of the bank-certificate transfer, the checking processing of all aspects of corresponding dealer can be automatically carried out on the bank-certificate transfer transaction requirement initiated by the customer through the system, and the transaction requirement of the customer is executed after all checking is met. The first transfer transaction requirement refers to a transaction request of a cash transfer transaction initiated by any client of the securities company. By acquiring the first transfer transaction requirement, the technical effect of providing a foundation for the processing system of the bank-certificate transfer to process the request based on the relevant rules is achieved.
Step S200: judging whether a trader supports a first transfer rule, wherein the trader is an initiating user of the first transfer trading requirement;
specifically, the dealer is a banker transaction facilitator of the user corresponding to the first transfer transaction requirement. After the user initiates the first transfer transaction requirement, the processing system of the cash-certificate transfer firstly identifies and judges the authority of the dealer to which the user initiating the requirement belongs. That is, it is first determined whether the dealer to which the corresponding client belongs supports the first reconveying rule. The first transfer rule refers to a rule and a method for correspondingly processing transaction requirements when a corresponding transaction dealer has the processing right of the money transfer transaction on a non-working day. Whether the corresponding trader supports the first transfer rule or not is automatically judged through the system, and the technical effect that whether the corresponding trader can carry out the money transfer on a non-working day or not is intelligently judged.
Step S300: when the dealer supports the first transfer rule, obtaining a transfer transaction date state according to the first transfer transaction requirement;
step S400: when the transfer transaction date state meets a first preset state, recording a next clearing date in the transaction date of the flow meter;
specifically, whether processing system based on cash-certificate transfer judges automatically that corresponds transaction dealer supports first reconversion rule, works as transaction dealer supports during the rule of first reconversion, the system is automatic right first reconversion transaction demand is handled, promptly according to first reconversion rule is handled first reconversion transaction demand. The date and time of the transaction initiation request are processed, and whether the corresponding time and date are working days or non-working days is judged based on the transaction initiation date and time information. And when the transfer transaction date state meets a first preset state, the processing system for the bank-certificate transfer records the next clearing date in the transaction date of the flow meter. The first preset state refers to a non-working day state. And when the transfer transaction date corresponding to the first transfer transaction requirement is a non-working day date, the system automatically calculates to obtain a first working day date after the corresponding working day, and takes the corresponding first working day date as a first clearing date after the non-working day. Further, the system automatically records the clearing date corresponding to the transfer transaction in the bank-certificate transfer transaction flow meter.
And automatically calculating to obtain a clearing date corresponding to the transfer transaction in the non-working day through automatic judgment of the system, and recording the calculated clearing date in the transaction flow meter after the transfer transaction. The technical effect of efficiently managing the transfer transaction in the non-working days is achieved.
Step S500: verifying whether the register switch and the transfer switch are opened or not to the dealer to obtain a first verification result;
step S600: when the first check result is that the check is passed, checking date, time and a white list to obtain a second check result;
step S700: when the second checking result is that the checking is passed, checking whether a dealer date switch is opened or not is carried out;
specifically, based on the first transfer transaction demand that the customer mentioned, the system obtains the dealer of the trade that the user corresponds automatically, when this dealer of the trade possesses the right of non-working day-banking certificate transfer transaction, further carries out many rounds of check-ups to this dealer of the trade. Whether the switch of registering and the account transfer switch of at first automatic judgement and check-up corresponding transaction dealer are in the open mode, all open the switch of registering and account transfer switch when the check-up certificate corresponds transaction dealer, and then carry out date time and white list check-up, and the system automatic judgement is launched this moment whether the customer of first transaction demand of transferring is in the white list of corresponding transaction dealer, and correspond whether the date time of first transaction demand of transferring is in the processing time scope of corresponding transaction dealer, all pass through the back when all checks-up, carry out the check-up to the date switch of this transaction dealer at last.
By the system, the intelligent degree of transaction processing condition judgment is improved by automatically and intelligently checking and judging the conditions of a transaction dealer, transaction time, a transaction corresponding user and the like, so that the technical effect of ensuring safe, reasonable and effective transaction is achieved.
Step S800: and when the verification is passed, completing the transfer transaction according to the first transfer transaction requirement, adjusting the transaction date to the transaction initiation date of the transaction dealer, and performing clearing and supervision submission processing according to the transaction date and the clearing date.
Specifically, the processing system based on the cash transfer intelligently checks the transaction time, the transaction user, the dealer and the like corresponding to the first transfer transaction requirement, so that the first transfer transaction requirement is formally processed, and finally the first transfer transaction requirement corresponding to the user is completed. In addition, after the transaction is completed, the system automatically adjusts the date of the transaction to the date and time of initiation of the transaction by the corresponding trader, thereby providing reasonable transaction and clearing dates for subsequent clearing and supervisory submission processing. The technical effect of improving the rationality and the tightness of the system for processing the transfer transaction is achieved. The system automatically checks all aspects of corresponding securities traders according to the bank-certificate transfer transaction requirements initiated by the client, and executes the transaction requirements of the client after all checks are met. The technical aim of carrying out bank-certificate transfer transaction processing on non-working days is achieved, the transaction time is widened for the customer transfer transaction, and the technical effect of improving the user experience is further achieved.
Further, step S500 of the present invention further includes:
step S510 a: when the first verification result is that the verification is passed, obtaining a first check-in time of the dealer of the transaction securities;
step S520 a: judging whether the first check-in time is a working day or not, and checking in according to a working day check-in rule when the first check-in time is the working day and is not the first day of the working day;
step S530 a: when the first check-in time is a non-working day and is not the first day of the non-working day, checking-in can be carried out all day;
step S540 a: and when the first check-in time is a non-working day and is the first day of the non-working day, checking in according to the check-in permission time.
Specifically, based on the requirement of the user for carrying out the transfer transaction on the non-workday, all transaction time of the corresponding transaction dealer is divided into four states: namely, the first day of non-workday, other non-workdays, the first day of workday, and other workdays. The transfer transaction of the user of the trader is established on the basis of signing by the trader, so that signing rules are set for the trader. When the first verification result corresponding to the trader passes, the system automatically obtains the first sign-in time of the trader. If the sign-in time corresponding to the dealer is other workdays, namely the first sign-in time is a workday and is not the first day of the workday, sign-in is carried out according to the working day sign-in rule, such as tuesday, wednesday, thursday, friday, the second day of the holiday in national celebration, and the like; if the check-in time corresponding to the dealer is other non-weekdays, namely the first check-in time is the non-weekday and is not the first day of the non-weekday, the dealer can check in all the days, such as sundays; if the check-in time corresponding to the dealer is the other non-weekdays and is the first day of the non-weekdays, the check-in is performed according to the check-in permission time, such as Saturday.
By setting different sign-in rules based on different dates and time states, the system enables the sign-in time of the dealer to be no longer the past, only support the sign-in of working days and working times, and therefore the goal of widening the user transfer transaction time is achieved.
Further, step S500 of the present invention further includes:
step S510 b: when the first verification result is that the verification is not passed, acquiring a transaction initiation date of the transaction dealer;
step S520 b: and returning a transaction failure result, and taking the transaction initiation date as the date of the transaction failure result.
Specifically, after the system automatically checks the related sign-in and transfer switch conditions of the trader to which the first transfer transaction requirement belongs, once the check fails, the system automatically returns the information of transaction failure, and the transaction initiation date of the trader corresponding to the first transfer transaction requirement is used as the date of the transaction failure result. The technical effects that the transaction which does not conform to the first transfer rule is intelligently finished, meanwhile, relevant effective and accurate transaction failure records are intelligently generated, and visual and effective data information is provided for tracing the follow-up transaction situation are achieved.
Further, as shown in fig. 2, step S500 of the present invention further includes:
step S510: obtaining a first flow switch check instruction, and checking whether the flow switch is started or not according to the first flow switch check instruction to obtain a third check result;
step S520: and when the third verification result is that the verification is not passed, the transaction processing is not allowed to be carried out.
Specifically, after a processing system for bank-certificate transfer receives a first transfer transaction requirement of a user, a first flow switch check instruction is directly sent out, and the state of a first flow switch is automatically checked based on the first flow switch check instruction. When the flow switch is turned on, the transfer transaction is proved to be allowed currently; otherwise, it turns out that transaction processing is not currently allowed. The technical effect of automatically judging and processing the transaction is achieved.
Further, as shown in fig. 3, the present invention further includes step S900:
step S910: clearing a CLS _ BANK _ FILE table according to the service type;
step S920: adding the clearing date to the CLS _ BANK _ FILE table;
step S930: adding consecutive non-workdays prior to the clearing date to the CLS _ BANK _ FILE table;
step S940: inserting a flow meter, a pre-system date, a service type and a FILE downloading state into the CLS _ BANK _ FILE table;
step S950: and clearing the account checking FILE according to the CLS _ BANK _ FILE table.
Specifically, the CLS _ BANK _ FILE table refers to a core transfer reconciliation FILE record table corresponding to the three-party deposit management. When the transfer transaction is cleared, the CLS _ BANK _ FILE table is cleared according to the service type, and then the clearing date is added to the corresponding position of the CLS _ BANK _ FILE table. Further, the system automatically fills all times and dates to be cleared into the CLS _ BANK _ FILE table, including transfer transactions on the day of clearing and transfer transactions on consecutive non-weekdays prior to the current clearing date. That is, the clearing date of the transfer transaction on the non-workday is recorded as the date of the next transaction day, along with the reconciliation and administration reports of the transfer transaction occurring on the next transaction day. In addition, based on the relevant condition of each transfer transaction, a flow meter, a pre-system date, a service type and a FILE downloading state are correspondingly inserted into the CLS _ BANK _ FILE table, and finally, based on the complete CLS _ BANK _ FILE table, the accounting FILE is cleared.
By carrying out service processing flow optimization and innovation design on the dealer supporting the non-workday account transfer transaction, the dealer can carry out the non-workday transaction, the client-side bank-certificate account transfer transaction time is widened, and the technical effects of meeting the client non-workday bank-certificate account transfer transaction requirements are achieved. Meanwhile, based on the optimized business processing rule, the technical effect of intelligently carrying out ordered clearing and supervision reporting on the non-working-day transfer transaction is achieved.
Further, as shown in fig. 4, the present invention further includes a step S1000:
step S1010: obtaining first query information;
step S1020: determining whether a query subject of the first query information signs in or not according to the first query information;
step S1030: and when the query main body finishes checking in, allowing the query main body to query the first query information.
Specifically, after the requirement processing of the transfer transaction performed by the dealer on the non-working day is completed, the processing rule of inquiring the transaction requirement by the dealer is further improved. Aiming at the securities traders supporting the non-workday transfer transaction, the system is changed into the method of checking whether the securities traders sign or not only through the limitation of open and closed market time, so that a query main body corresponding to first query information is intelligently determined based on query information sent by a user, and when the corresponding main body finishes signing, the query function is opened through intelligent judgment. That is, as long as the dealer signs in, the corresponding user can perform the inquiry of the related transaction regardless of the working day or the non-working day. The method and the device have the advantages that convenience is provided for further inquiring the transaction state after the user conducts account transfer transaction in non-working days, and accordingly the technical effect of improving the experience of the user is achieved.
Further, step S700 of the present invention further includes:
step S610: when the second check result is that the check is not passed, acquiring a transaction initiation date of the transaction dealer;
step S620: and returning a transaction failure result, and taking the transaction initiation date as the date of the transaction failure result.
Particularly, with the automatic principle that sign in switch, transfer switch check-up are the same to transaction dealer of system, again to transaction dealer's date time and white list carry out the check-up, work as the initiator that first transfer transaction demand corresponds passes through the second round check-up, promptly the second check-up result is when the check-up fails, and the system is automatic to obtain corresponding transaction dealer's transaction initiation date, later date when the transaction that first transfer transaction demand corresponds fails, will automatically the transaction initiation date is as the date of transaction failure result. The system automatically acquires the detailed time of the transaction initiated by the dealer of the transaction securities and takes the detailed time as the time of the transaction failure when the transaction fails, thereby achieving the technical effect of providing accurate and effective time information for subsequently tracing each transaction and checking the actual processing time of the transaction.
In summary, the processing method of the silver certificate transfer provided by the invention has the following technical effects:
1. through obtaining customer account transfer transaction demand, and then judge whether the dealer that the demand corresponds permits the bank-certificate account transfer transaction of non-workday, accord with first account transfer rule promptly, when corresponding dealer permits the transaction of non-workday, and during the demand that this transaction demand was indeed for non-workday mentioning, the system was automatic to the switch of registering of this dealer, account transfer on-off state and carry out the verification. When the signing switch and the transfer switch of the corresponding security dealer are both opened, the date and time and the white list information of the security dealer are further verified. Further, if time and demand are lifted to this demand and the corresponding customer all passes through date time and white list check, and then the date switch of check securities trader, the check-up of date switch passes the back, and the system is automatic to accomplish the demand of this customer's transfer transaction to the date adjustment of this transaction is the transaction of this securities trader and initiates the date, finally based on transaction date and settlement date, clears the settlement and supervise the transfer transaction of this bank certificate and reports. The system automatically checks all aspects of corresponding securities traders according to the bank-certificate transfer transaction requirements initiated by the client, and executes the transaction requirements of the client after all checks are met. The technical aim of carrying out bank-certificate transfer transaction processing on non-working days is achieved, the transaction time is widened for the customer transfer transaction, and the technical effect of improving the user experience is further achieved.
2. By carrying out service processing flow optimization and innovation design on the dealer supporting the non-workday account transfer transaction, the dealer can carry out the non-workday transaction, the client-side bank-certificate account transfer transaction time is widened, and the technical effects of meeting the client non-workday bank-certificate account transfer transaction requirements are achieved. Meanwhile, based on the optimized business processing rule, the technical effect of intelligently carrying out ordered clearing and supervision reporting on the non-working-day transfer transaction is achieved.
3. Through the adjustment transformation on the code layer, the demand target of carrying out transfer transaction on the non-working days of the securities dealer is realized, in addition, only transformation is carried out in the system, and the securities dealer end and the bank core end are not transformed, so that simple, convenient, efficient and reasonable non-working day transfer transaction processing is realized.
4. Through setting for first reconversion rule, will support the dealer of non-working day transfer to cut apart into two different code logics with other dealers, realized promptly that the non-working day transfer of money is reformed transform for keeping apart the risk, guarantee this transformation can not influence other dealer's normal transactions, reached the technological effect who improves system security, reliability, practicality.
Example two
Based on the same inventive concept as the processing method of the bank-certificate transfer in the foregoing embodiment, the present invention further provides a processing system of the bank-certificate transfer, referring to fig. 5, where the system includes:
a first obtaining unit 11, wherein the first obtaining unit 11 is used for obtaining a first transfer transaction requirement;
the first judging unit 12 is configured to judge whether a dealer supports a first reconveying rule, where the dealer is an initiating user of the first reconveying transaction requirement;
a second obtaining unit 13, where the second obtaining unit 13 is configured to obtain a transfer transaction date status according to the first transfer transaction requirement when the dealer of the transaction securities supports the first transfer rule;
the first execution unit 14 is used for recording a next clearing date in the transaction date of the flow meter when the transfer transaction date state meets a first preset state;
the third obtaining unit 15 is configured to verify whether the sign-in switch and the transfer switch are turned on for the dealer, and obtain a first verification result;
a fourth obtaining unit 16, where the fourth obtaining unit 16 is configured to, when the first verification result is that verification is passed, perform verification of the date and time and the white list to obtain a second verification result;
a second execution unit 17, where the second execution unit 17 is configured to perform a check on whether a dealer date switch is turned on when the second check result is that the check is passed;
and the third execution unit 18, the third execution unit 18 is configured to, when the verification passes, complete the transfer transaction according to the first transfer transaction requirement, adjust the transaction date to the transaction initiation date of the securities dealer, and perform clearing and supervision submission processing according to the transaction date and the clearing date.
Further, the system further comprises:
a fifth obtaining unit, configured to obtain a first check-in time of the dealer when the first verification result is that the verification passes;
the fourth execution unit is used for judging whether the first check-in time is a working day or not, and when the first check-in time is the working day and is not the first day of the working day, checking in according to a working day check-in rule;
a fifth execution unit, configured to check in all the days when the first check-in time is a non-workday and is not a first day of the non-workday;
a sixth execution unit, configured to check in according to a check-in permission time when the first check-in time is a non-workday and is a first day of the non-workday.
Further, the system further comprises:
a sixth obtaining unit, configured to obtain a transaction initiation date of the dealer when the first verification result is that the verification fails;
the first setting unit is used for returning a transaction failure result and taking the transaction initiation date as the date of the transaction failure result.
Further, the system further comprises:
a seventh obtaining unit, configured to obtain a first flow switch verification instruction, perform verification on whether a flow switch is turned on according to the first flow switch verification instruction, and obtain a third verification result;
a seventh execution unit, configured to disallow transaction processing when the third verification result is that the verification fails.
Further, the system further comprises:
an eighth execution unit, configured to clear the CLS _ BANK _ FILE table according to a service type;
a ninth execution unit to add the clearing date to the CLS _ BANK _ FILE table;
a tenth execution unit to add consecutive non-workdays before the clearing date to the CLS _ BANK _ FILE table;
an eleventh execution unit, configured to insert a flow meter, a pre-system date, a service type, and a FILE download state into the CLS _ BANK _ FILE table;
a twelfth execution unit, configured to perform clearing with a reconciliation FILE according to the CLS _ BANK _ FILE table.
Further, the system further comprises:
an eighth obtaining unit, configured to obtain the first query information;
a first determination unit, configured to determine whether a query subject of the first query information performs check-in according to the first query information;
a thirteenth execution unit, configured to permit the query subject to perform the query on the first query information when the query subject completes check-in.
Further, the system further comprises:
a ninth obtaining unit, configured to obtain a transaction initiation date of the transaction dealer when the second checking result is that the checking fails;
and the second setting unit is used for returning a transaction failure result and taking the transaction initiation date as the date of the transaction failure result.
The embodiments in the present specification are described in a progressive manner, and each embodiment focuses on differences from other embodiments, the method for processing a silver certificate transfer in the first embodiment of fig. 1 and the specific example are also applicable to the system for processing a silver certificate transfer in the present embodiment, and a person skilled in the art can clearly know the system for processing a silver certificate transfer in the present embodiment through the foregoing detailed description of the method for processing a silver certificate transfer, so that details are not described here for the sake of brevity of the description. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Exemplary electronic device
The electronic device of the present invention is described below with reference to fig. 6.
Fig. 6 illustrates a schematic structural diagram of an electronic device according to the present invention.
Based on the inventive concept of a method for processing the bank-note transfer in the foregoing embodiment, the present invention further provides a system for processing the bank-note transfer, wherein a computer program is stored thereon, and when the program is executed by a processor, the program realizes the steps of any one of the methods for processing the bank-note transfer.
Wherein in fig. 6 a bus architecture (represented by bus 300), bus 300 may include any number of interconnected buses and bridges, bus 300 linking together various circuits including one or more processors, represented by processor 302, and memory, represented by memory 304. The bus 300 may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. A bus interface 305 provides an interface between the bus 300 and the receiver 301 and transmitter 303. The receiver 301 and the transmitter 303 may be the same element, i.e., a transceiver, providing a means for communicating with various other apparatus over a transmission medium.
The processor 302 is responsible for managing the bus 300 and general processing, and the memory 304 may be used for storing data used by the processor 302 in performing operations.
The invention provides a processing method of bank-certificate transfer, which is applied to a processing system of bank-certificate transfer, wherein the method comprises the following steps: by obtaining a first transfer transaction requirement; judging whether a trader supports a first transfer rule, wherein the trader is an initiating user of the first transfer trading requirement; when the dealer supports the first transfer rule, obtaining a transfer transaction date state according to the first transfer transaction requirement; when the transfer transaction date state meets a first preset state, recording a next clearing date in the transaction date of the flow meter; verifying whether the register switch and the transfer switch are opened or not to the dealer to obtain a first verification result; when the first check result is that the check is passed, checking date, time and a white list to obtain a second check result; when the second checking result is that the checking is passed, checking whether a dealer date switch is opened or not is carried out; and when the verification is passed, completing the transfer transaction according to the first transfer transaction requirement, adjusting the transaction date to the transaction initiation date of the transaction dealer, and performing clearing and supervision submission processing according to the transaction date and the clearing date. The method solves the technical problems that in the prior art, a bank-certificate client can only perform account transfer transaction on a working day, the transaction time is short, the fund of the client security is difficult to return, the demand of non-working day transaction cannot be met, the experience feeling is poor, and the three-party deposit and management contract rate is finally influenced. The system automatically checks all aspects of corresponding security traders according to the bank-certificate transfer transaction requirements initiated by the client, and executes the transaction requirements of the client after all checks are met. The technical goal of carrying out bank-certificate transfer transaction processing on non-working days is achieved, the transaction time is widened for the customer transfer transaction, and the technical effect of improving the user experience is further achieved.
The invention also provides an electronic device, which comprises a processor and a memory;
the memory is used for storing;
the processor is configured to execute the method according to any one of the first embodiment through calling.
The invention also provides a computer program product comprising a computer program and/or instructions which, when executed by a processor, performs the steps of the method of any of the above embodiments.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely software embodiment, an entirely hardware embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention is in the form of a computer program product that may be embodied on one or more computer-usable storage media having computer-usable program code embodied therewith. And such computer-usable storage media include, but are not limited to: various media capable of storing program codes, such as a usb disk, a portable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk Memory, a Compact Disc Read-Only Memory (CD-ROM), and an optical Memory.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a system for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction system which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks. While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the present invention and its equivalent technology, it is intended that the present invention also include such modifications and variations.
Claims (10)
1. A method for processing a bank account transfer, the method comprising:
obtaining a first transfer transaction requirement;
judging whether a trader supports a first transfer rule, wherein the trader is an initiating user of the first transfer trading requirement;
when the dealer supports the first transfer rule, obtaining a transfer transaction date state according to the first transfer transaction requirement;
when the transfer transaction date state meets a first preset state, recording a next clearing date in the transaction date of the flow meter;
verifying whether the register switch and the transfer switch are opened or not is carried out on the transaction dealer, and a first verification result is obtained;
when the first check result is that the check is passed, checking date, time and a white list to obtain a second check result;
when the second checking result is that the checking is passed, checking whether a dealer date switch is opened or not is carried out;
and when the verification is passed, completing the transfer transaction according to the first transfer transaction requirement, adjusting the transaction date to the transaction initiation date of the transaction dealer, and performing clearing and supervision submission processing according to the transaction date and the clearing date.
2. The method of claim 1, wherein the method further comprises:
when the first verification result is that the verification is passed, obtaining a first check-in time of the dealer of the transaction securities;
judging whether the first check-in time is a working day or not, and checking in according to a working day check-in rule when the first check-in time is the working day and is not the first day of the working day;
when the first check-in time is a non-working day and is not the first day of the non-working day, checking-in can be carried out all day;
and when the first check-in time is a non-working day and is the first day of the non-working day, checking in according to the check-in permission time.
3. The method of claim 1, wherein the method further comprises:
when the first verification result is that the verification is not passed, acquiring a transaction initiation date of the transaction dealer;
and returning a transaction failure result, and taking the transaction initiation date as the date of the transaction failure result.
4. The method of claim 1, wherein said verifying said dealer sign-in switch and said transfer switch are open further comprises, prior to said verifying said dealer sign-in switch and said transfer switch being open:
obtaining a first flow switch check instruction, and checking whether the flow switch is started or not according to the first flow switch check instruction to obtain a third check result;
and when the third verification result is that the verification is not passed, the transaction processing is not allowed to be carried out.
5. The method of claim 1, wherein the method further comprises:
clearing a CLS _ BANK _ FILE table according to the service type;
adding the clearing date to the CLS _ BANK _ FILE table;
adding consecutive non-workdays prior to the clearing date to the CLS _ BANK _ FILE table;
inserting a flow water meter, a pre-system date, a service type and a FILE downloading state into the CLS _ BANK _ FILE table;
and clearing the account checking FILE according to the CLS _ BANK _ FILE table.
6. The method of claim 1, wherein the method further comprises:
obtaining first query information;
determining whether a query subject of the first query information signs in or not according to the first query information;
and when the inquiry main body finishes checking in, permitting the inquiry main body to inquire the first inquiry information.
7. The method of claim 1, wherein the method further comprises:
when the second check result is that the check is not passed, acquiring a transaction initiation date of the transaction dealer;
and returning a transaction failure result, and taking the transaction initiation date as the date of the transaction failure result.
8. A system for processing a money transfer, the system comprising:
a first obtaining unit: the first obtaining unit is used for obtaining a first transfer transaction requirement;
a first judgment unit: the first judging unit is used for judging whether a trader supports a first transfer rule, wherein the trader is an initiating user of the first transfer trading requirement;
a second obtaining unit: the second obtaining unit is used for obtaining a transfer transaction date state according to the first transfer transaction requirement when the dealer supports the first transfer rule;
a first execution unit: the first execution unit is used for recording a next clearing date in the transaction date of the flow meter when the transfer transaction date state meets a first preset state;
a third obtaining unit: the third obtaining unit is used for verifying whether the signing switch and the transfer switch are opened or not to the dealer to obtain a first verification result;
a fourth obtaining unit: the fourth obtaining unit is used for verifying the date, the time and the white list when the first verification result is that the verification is passed, and obtaining a second verification result;
a second execution unit: the second execution unit is used for verifying whether a dealer date switch is opened or not when the second verification result is that the verification is passed;
a third execution unit: and the third execution unit is used for finishing the transfer transaction according to the first transfer transaction requirement when the verification is passed, adjusting the transaction date to the transaction initiation date of the transaction dealer, and performing clearing and supervision submission processing according to the transaction date and the clearing date.
9. An electronic device comprising a processor and a memory;
the memory is used for storing;
the processor is used for executing the method of any one of claims 1-7 through calling.
10. A computer program product comprising a computer program and/or instructions, characterized in that the computer program and/or instructions, when executed by a processor, implement the steps of the method according to any one of claims 1 to 7.
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