CN106803836A - A kind of multicenter file method for processing forwarding and device - Google Patents

Abstract

The invention discloses a multi-center file forwarding processing method and device, which are used to realize unified sending and receiving of files among regional exchange sub-centers, regional exchange parent centers, and member institutions in the multi-center bank card exchange system architecture. The present invention includes: receiving the liquidation file to be forwarded; obtaining the sender, receiver and file attribute of the liquidation file to be forwarded; when the sender is a regional exchange sub-center, determining whether the file attribute is a local transaction exclusive file, and if so, the file to be forwarded The liquidation file is sent to the recipient; when the sender is the regional exchange parent center, determine whether the file attribute is a cross-region transaction exclusive file, and if so, send the liquidation file to be forwarded to the recipient. On the basis of not modifying member institutions, regional exchange sub-centers and regional exchange parent centers, clearing documents or transaction documents are smoothly forwarded among member institutions, regional exchange sub-centers and regional exchange parent centers.

Description

A multi-center file forwarding processing method and device

technical field

The embodiments of the present invention relate to the field of communication technologies, and in particular to a multi-center file forwarding processing method and device.

Background technique

Existing bank card transfer clearing centers generally have off-site backups or linkages between regional exchange sub-centers, and regional exchange sub-centers generally require centralized clearing within the region for transactions within the region. For example, with the construction and development of the bank card industry and financial system, most countries require local transactions to be transferred and cleared. The regional exchange sub-center is responsible for handling local business within the region and serves as a bridge for cross-regional business.

For example, in the system architecture shown in Figure 1, it includes a parent exchange center and multiple exchange sub-centers. The parent exchange center only handles cross-border transactions, and the exchange sub-center only handles local transactions in the region. For the parent exchange center, the access The clearing system is mainly used for the clearing of cross-border transactions, and for the exchange sub-center, the connected clearing system is mainly used for the clearing of local transactions. Cross-border transactions occur between member institutions directly connected to the parent exchange sub-center.

If there is no regional exchange sub-center in a region, after the new regional exchange sub-center is built, a local clearing system in the region is built, and member institutions in the region are connected uniformly, and local transactions in the region are handled by the regional exchange sub-center Self-clearing, cross-regional transactions are still cleared by the parent center of the regional exchange. When the new member institution is an overseas institution, once connected to the regional exchange sub-center, it is not expected to continue to access the regional exchange parent center. Then the cross-border transactions of overseas institutions need to be migrated to the regional exchange sub-center, but the regional exchange sub-center can only handle local transactions, and cannot cooperate with other regional centers to transfer and clear multi-center clearing documents. On the premise of not changing the sending and receiving of clearing documents of the regional exchange sub-center, how to forward and process the clearing documents of local transactions, cross-regional transactions or mixed transactions of new member institutions in the region has become an urgent problem to be solved.

Ideally, it would be more desirable for member institutions not to need to distinguish between regional exchange child centers and regional exchange parent centers. Therefore, how to make the liquidation documents of the new member institution circulate among the institution, the regional exchange sub-center and the regional exchange parent center has become the key to the problem.

Contents of the invention

The invention provides a multi-center file forwarding processing method and device, which are used to realize the unified sending and receiving of transaction files and liquidation files, so as to be compatible with the multi-center liquidation system.

An embodiment of the present invention provides a multi-center file forwarding processing method, including:

Receive liquidation documents to be forwarded;

Obtain the sender, receiver and file attributes of the liquidation file to be forwarded;

When the sender is a regional exchange sub-center, determine whether the file attribute is a local transaction-specific liquidation file, and if so, send the liquidation file to be forwarded to the receiver;

When the sender is the regional exchange parent center, determine whether the file attribute is a clearing file exclusively for cross-regional transactions, and if so, send the clearing file to be forwarded to the receiver.

Optionally, the file attributes are pre-configured as exclusive settlement files for local transactions, exclusive settlement files for cross-region transactions, and exclusive settlement files for mixed transactions;

Obtain the file attributes of the liquidation file to be forwarded, including:

Obtain the file name of the liquidation file to be forwarded;

According to the file name, the file attribute is determined, wherein the file name is pre-configured as the file name of the liquidation file exclusive to the local transaction, the file name of the liquidation file exclusive to the cross-region transaction, and the file name of the liquidation file exclusive to the mixed transaction. Hybrid transactions refer to transactions where the two parties to the transaction are local institutions and overseas institutions.

Optionally, the method also includes:

When the sender is a regional exchange sub-center, if it is determined that the attribute of the file is a mixed transaction-specific clearing file, then mark the liquidation file to be forwarded as a liquidation file to be merged from the regional exchange sub-center; or,

When the sender is the parent center of the regional exchange, if it is determined that the attribute of the file is a mixed transaction-specific clearing file, then mark the clearing file to be forwarded as a clearing file to be merged from the parent center of the regional exchange.

Further, after marking the liquidation file to be forwarded as the liquidation file to be consolidated from the regional exchange sub-center, or marking the liquidation file to be forwarded as the liquidation file to be consolidated from the parent center of the regional exchange, the method further include:

Find whether there are files to be consolidated and cleared with the same file name from the regional exchange sub-center and from the regional exchange parent center;

If it exists, merge the found liquidation files to be merged, and send the merged liquidation file to the receiver.

Optionally, the method also includes:

Receive transaction files to be forwarded including multiple transaction records;

Obtain and record the bank card identification in each transaction record;

Splitting the transaction file to be forwarded into a local transaction file and a cross-region transaction file according to the bank card identifications respectively recorded in the plurality of transaction records; and

Send the local transaction file to the regional exchange sub-center, and send the cross-regional transaction file to the regional exchange parent center.

Further, according to the bank card identifications respectively recorded in the plurality of transaction records, the transaction file to be forwarded is split into a local transaction file and a cross-region transaction file, including:

For any transaction record, check whether the bank card identification of the transaction record exists in the local bank card identification database;

If it exists, write the transaction record into the local transaction file; if it does not exist, write the transaction record into the cross-region transaction file.

An embodiment of the present invention provides a multi-center file forwarding processing device, including:

a receiving unit, configured to receive the liquidation documents to be forwarded;

A processing unit, configured to obtain the sender, receiver and file attributes of the liquidation file to be forwarded;

When the sender is a regional exchange sub-center, determine whether the file attribute is a local transaction-specific clearing file, and if so, send the clearing file to be forwarded to the receiver through the sending unit;

When the sender is the regional exchange parent center, determine whether the file attribute is a clearing file for cross-regional transactions, and if so, send the clearing file to be forwarded to the receiver through the sending unit.

Optionally, the file attributes are pre-configured as exclusive settlement files for local transactions, exclusive settlement files for cross-region transactions, and exclusive settlement files for mixed transactions;

The processing unit is configured to: obtain the file name of the liquidation file to be forwarded, and determine the file attribute according to the file name;

Wherein, the file name is pre-configured as the file name of the liquidation file exclusive to the local transaction, the file name of the liquidation file exclusive to the cross-region transaction, and the file name of the liquidation file exclusive to the mixed transaction. The mixed transaction means that the two parties to the transaction are the local institution and the Transactions with Overseas Institutions.

Optionally, the processing unit is also used for:

When the sender is a regional exchange sub-center, if it is determined that the attribute of the file is a mixed transaction-specific clearing file, then mark the liquidation file to be forwarded as a liquidation file to be merged from the regional exchange sub-center; or,

When the sender is the parent center of the regional exchange, if it is determined that the attribute of the file is a mixed transaction-specific clearing file, then mark the clearing file to be forwarded as a clearing file to be merged from the parent center of the regional exchange.

Further, after the processing unit marks the liquidation file to be forwarded as the liquidation file to be merged from the regional exchange sub-center, or marks the liquidation file to be forwarded as the liquidation file to be merged from the parent center of the regional exchange, Also used for:

Find whether there are files to be consolidated and cleared with the same file name from the regional exchange sub-center and from the regional exchange parent center;

If it exists, merge the found liquidation files to be merged, and send the merged liquidation file to the receiver through the sending unit.

Optionally, the method also includes:

The receiving unit is further configured to receive a transaction file to be forwarded including multiple transaction records;

The processing unit is also used to obtain the bank card identification recorded in each transaction record; according to the bank card identification recorded respectively in the multiple transaction records, the transaction file to be forwarded is split into a local transaction file and a cross-transaction file. The regional transaction file; and the local transaction file is sent to the regional exchange sub-center through the sending unit, and the cross-regional transaction file is sent to the regional exchange parent center through the sending unit.

Further, the processing unit is specifically used for:

For any transaction record, check whether the bank card identification of the transaction record exists in the local bank card identification database;

If it exists, write the transaction record into the local transaction file; if it does not exist, write the transaction record into the cross-region transaction file.

In the embodiment of the present invention, a unified functional interface can be provided for the multi-centers and member institutions in the system framework, and the multi-center clearing file can be sent and received Unified packaging, so that all transaction documents that occur in the region can be accurately sent to the corresponding regional exchange sub-center or regional exchange parent center, so that the clearing documents issued by the regional exchange sub-center or regional exchange parent center can be forwarded smoothly To the corresponding member institutions (including local institutions and overseas institutions that have access to regional exchange sub-centers), and then accelerate the construction of new regional exchange sub-centers, and speed up the process of business migration of overseas institutions.

Description of drawings

The accompanying drawings are used to provide a further understanding of the present invention, and constitute a part of the description, and are used together with the embodiments of the present invention to explain the present invention, and do not constitute a limitation to the present invention. In the attached picture:

Fig. 1 is a kind of multi-center bank card business exchange system framework provided by the embodiment of the present invention;

FIG. 2 is a schematic flow diagram of a multi-center file forwarding method provided by an embodiment of the present invention;

FIG. 3 is a schematic flowchart of a multi-center file forwarding method provided by an embodiment of the present invention;

FIG. 4 is a schematic flowchart of a multi-center file forwarding method provided by an embodiment of the present invention;

FIG. 5 is a schematic flowchart of a multi-center file forwarding method provided by an embodiment of the present invention;

FIG. 6 is a schematic structural diagram of a multi-center file forwarding device provided by an embodiment of the present invention;

FIG. 7 is a schematic structural diagram of a multi-center file forwarding system provided by an embodiment of the present invention.

detailed description

In order to make the technical problems, technical solutions and effects solved by the present invention clearer, the preferred embodiments of the present invention will be described below in conjunction with the accompanying drawings. It should be understood that the preferred embodiments described here are only used to illustrate and explain the present invention. Invention is not intended to limit the present invention. And in the case of no conflict, the embodiments in the present application and the features in the embodiments can be combined with each other.

The method provided by the present invention is applicable to the multi-center clearing document processing that needs to be settled in a regional center but is linked with other regional centers, such as a cross-border bank card clearing system that requires overseas local transactions to be settled.

The inventors of the present invention found that: in order to speed up the construction of newly added regional exchange sub-centers and the process of business migration of overseas institutions, it is necessary to provide a unified functional interface for the multi-centers and member institutions within the system architecture, which can be used without the need for member institutions, On the basis of the transformation of the regional exchange sub-center and the regional exchange parent center, the transaction files of all local transactions, cross-regional transactions or mixed transactions in the region can be accurately sent to the corresponding regional exchange sub-center or regional exchange parent Center, and the settlement documents issued by the regional exchange sub-center or regional exchange parent center can be accurately forwarded to the corresponding member institutions (including local institutions and overseas institutions of the regional exchange sub-center). Under such application requirements, the present invention provides a file forwarding method to adapt to the application requirements, which can realize the unified encapsulation of multi-center liquidation file sending and receiving, so that the liquidation files or transaction files are distributed among member institutions, regional exchange sub-centers, and regional exchange parent centers. Smooth forwarding between centers.

Among them, providing a unified functional interface for multi-centers and member institutions within the system architecture means that the functional interfaces for sending and receiving files are the same for overseas institutions that access the regional exchange sub-center or local institutions in the region. For all regional exchange sub-centers, the functional interface of sending and receiving files is the same. For the regional exchange parent center, the functional interface of sending and receiving files remains unchanged. For each regional exchange sub-center, there is no need to transform the original local clearing system to meet the business migration needs of new overseas institutions. For the regional exchange parent center, the original cross-region clearing system does not need to be modified.

Based on the inventive concept of the present invention, as shown in FIG. 2, the embodiment of the present invention provides a multi-center file forwarding processing method, which is executed by a multi-center file forwarding system. The method flow mainly includes:

Step 201, receiving the liquidation file to be forwarded;

Step 202, obtaining the sender, receiver and file attributes of the liquidation file to be forwarded;

Step 203, when the sender is a regional exchange sub-center, determine whether the file attribute is a local transaction exclusive file, if so, send the file to be forwarded and cleared to the receiver; when the sender is a regional exchange parent center, determine whether the file attribute is Exclusive documents for cross-regional transactions, if so, send the liquidation documents to be forwarded to the receiver.

In view of the above method and process, the sender and receiver of the liquidation documents to be forwarded shall make the following instructions:

According to various exchange business scenarios, the sender of the clearing file to be forwarded can be the regional exchange sub-center or the regional exchange parent center.

Wherein, the regional switching sub-center is a sub-center deployed in each region to process intra-regional switching services. The regional exchange sub-center is only responsible for the settlement of the local part of the transaction in the region and the issuance of the settlement documents.

Among them, the regional exchange parent center is the general exchange business processing center mainly responsible for coordinating and centrally processing the business among the regional exchange sub-centers. The regional exchange parent center is only responsible for the clearing of cross-regional transactions and the issuance of clearing documents.

Institutions in the region where the regional exchange sub-center is located, including local institutions in the region and overseas institutions in the region.

According to various switching business scenarios, business types are mainly divided into three types. If both parties to a transaction are local institutions in the region, the transaction is called a local transaction (also called an exclusive local transaction). If the two parties to a transaction are a local institution in the region and an overseas institution in the region, the transaction is called a hybrid transaction. If both parties to a transaction are overseas institutions, and at least one of them is an overseas institution within the region, the transaction is called a cross-regional transaction (also known as an exclusive cross-regional transaction).

For overseas institutions in the region, there are two transaction types, exclusive cross-regional transactions and mixed transactions. Overseas institutions may have cross-regional transactions or mixed transactions within the regional exchange sub-center.

For local institutions in the region, there are two types of transaction configurations, exclusive local transactions and mixed transactions. Overseas institutions may have cross-regional transactions or mixed transactions within the regional exchange sub-center.

For the regional exchange sub-center, the local part of the intra-regional transaction refers to the local transaction and the local part of the mixed transaction. The local clearing system of the regional exchange sub-center only handles the settlement of the local part of the intra-regional transaction, that is, the regional exchange sub-center and Exclusive local institutions for local transactions and hybrid transactions for clearing.

For the parent center of the regional exchange, the cross-region clearing system of the parent center of the regional exchange only handles the clearing of overseas institutions, that is, the parent center of the regional exchange conducts clearing with overseas institutions for exclusive cross-regional transactions and mixed transactions.

Therefore, according to various exchange business scenarios, the recipient of the liquidation documents to be forwarded can be a local institution in the region or an overseas institution in the region.

If the liquidation file to be forwarded is issued by the regional exchange sub-center, the recipient of the liquidation file to be forwarded is a local institution in the region or an overseas institution in the region.

If the liquidation file to be forwarded is issued by the regional exchange parent center, the recipient of the liquidation file to be forwarded is the overseas institution in the area.

In order to ensure smooth forwarding of documents to be cleared or transaction documents among the regional exchange parent center, regional exchange sub-center and member institutions (local institutions in the region and overseas institutions in the region), the embodiment of the present invention provides a multi-center file forwarding The system can establish file sending and receiving channels with the regional exchange sub-center, the regional exchange parent center, and member institutions in the region.

For the regional exchange parent center, regional exchange sub-center and member institutions, only need to reconfigure the IP address for file sending and receiving, and then establish a file sending and receiving channel with the multi-center file forwarding system. For the multi-center file forwarding system, it is only necessary to pre-configure the IP addresses of the regional exchange sub-center, regional exchange parent center and member institutions in the region to establish files with the regional exchange sub-center, regional exchange parent center and member institutions in the region. Send and receive channels.

In order to smoothly distribute liquidation documents from different centers to member institutions in the region, the multi-center file forwarding system configures file attributes for the files distributed to member institutions.

Specifically, the file attributes of the files issued to the member institutions are pre-configured into three types: local transaction-specific clearing files, cross-regional transaction-specific liquidation files, and hybrid transaction-specific liquidation files. Among them, these three kinds of files are distinguished by file names.

That is, the file name of the exclusive settlement file for local transactions is pre-configured as the file name of the exclusive settlement file for local transactions, the file name of the exclusive settlement file for cross-region transactions is pre-configured as the file name of the exclusive settlement file for cross-region transactions, and the file name of the exclusive settlement file for mixed transactions The name is pre-configured to the clearing file file name specific to the hybrid transaction. In this way, when the file forwarding system receives the liquidation file issued by the regional exchange parent center or the regional exchange sub-center, it can determine the file name and file attribute of the file issued to the member institution only according to the file name of the received liquidation file .

For example, for the same mixed transaction, the file names of the clearing documents issued by the regional exchange parent center and the regional exchange sub-center are both: IFD******01ACOM. For a local transaction, the file name of the settlement document issued by the regional exchange sub-center is TIFD******01ACOM. For a cross-regional transaction, the file name of the liquidation file issued by the regional exchange parent center is @@@@@@@@.tar.Z. Generally speaking, the file name of the liquidation file for cross-regional transactions is based on the Personalized customization for cross-regional needs. The above file names are simple examples only.

Optionally, in order to avoid business conflicts, the file names of the files issued by the regional exchange sub-center and the regional exchange parent center are the same as the file names of the files issued by the multi-center file forwarding system to member institutions. In order to avoid file replacement, the clearing files received from the regional exchange sub-center and the regional exchange parent center and the clearing files sent to member institutions are stored in different directories.

Optionally, in addition to the above method process, the following steps are also included:

When the sender is a regional exchange sub-center, if it is determined that the file attribute is a mixed transaction-specific clearing file, then mark the liquidation file to be forwarded as a liquidation file to be consolidated from the regional exchange sub-center; The liquidation files to be merged with the same file name from the regional exchange parent center; if they exist, merge the found liquidation files to be merged, and send the merged liquidation file to the receiver.

When the sender is the parent center of the regional exchange, if it is determined that the file attribute is a clearing file exclusive to mixed transactions, the clearing file to be forwarded will be marked as the clearing file to be merged from the parent center of the regional exchange.

Find whether there are files to be consolidated and cleared with the same file name from the regional exchange sub-center and from the regional exchange parent center;

If it exists, merge the found liquidation files to be merged, and send the merged liquidation file to the receiver.

In order to avoid business conflicts, before the liquidation files to be forwarded are merged, the file names of the liquidation files received from the regional exchange sub-center and the regional exchange parent center, and the merged liquidation files issued by the multi-center file forwarding system to member institutions The filenames of the files are the same. In order to avoid file replacement, the liquidation file to be merged and the liquidation file to be merged are stored in different directories respectively.

The following describes the forwarding logic of the multi-center file forwarding system for the liquidation documents issued by the regional exchange sub-center and the regional exchange parent center to the member institutions in the region in combination with the flow chart shown in Figure 3, as follows:

Step 301: Receive a new liquidation file to be forwarded, which carries the identification information of the sender and the identification information of the receiver, such as the IP information of the sender and the IP information of the receiver.

Step 302, according to the identification information of the sender, determine whether the sender of the settlement file to be forwarded is the regional exchange sub-center or the regional exchange parent center.

If the sender of the liquidation file to be forwarded is the regional exchange sub-center, execute step 303,

If the sender of the clearing file to be forwarded is the regional exchange parent center, execute step 304;

Step 303, judging whether the liquidation file to be forwarded is an exclusive liquidation file for local transactions in the region,

If it is the exclusive settlement file for local transactions in the region, go to step 305,

If not, it is the exclusive clearing document for mixed transactions in the region, go to step 306,

Step 305, according to the identification information of the recipient, directly forward the liquidation file to be forwarded to the recipient. At this time, the recipient is a local institution in the area.

Step 306, mark the liquidation file to be forwarded as the liquidation file to be merged from the regional exchange sub-center, and check the file name of each liquidation file to be merged one by one according to the file name of the liquidation file to be forwarded, and enter step 307 ,

Step 307, judge whether there is a file to be merged and cleared with the same file name and from the regional exchange parent center, if it exists, go to step 311, if not, return to step 306, and continue to wait in a loop.

Step 304, judging whether the clearing document to be forwarded is an exclusive clearing document for cross-regional transactions,

If it is the exclusive clearing document for intra-regional cross-regional transactions, go to step 308,

If not, it is the exclusive clearing document for mixed transactions in the region, go to step 309,

Step 308, according to the identification information of the recipient, directly forward the liquidation document to be forwarded to the recipient, and at this time, the recipient is an overseas institution within the region.

Step 309, mark the liquidation file to be forwarded as the liquidation file to be merged from the regional exchange parent center, and check the file name of each liquidation file to be merged one by one according to the file name of the liquidation file to be forwarded, and enter step 310 ;

Step 310, judge whether there is a file to be consolidated and cleared from the regional exchange sub-center with the same file name, if it exists, go to step 311, if not, return to step 309, and continue to wait in a loop.

Step 311, merge the liquidation files to be merged with the same file name, respectively from the regional exchange sub-center and the parent center of the regional exchange, and the file name of the merged liquidation file is the same as the file name before the merger. Then proceed to step 312;

Step 312, according to the identification information of the recipient, forward the merged liquidation document to the recipient. At this time, the recipient is a local institution or an overseas institution in the region.

According to the above method flow, the multi-center file forwarding system of the present invention can smoothly and accurately forward the files issued by the regional exchange parent center or the regional exchange sub-center to the member institutions in the area.

In addition to issuing liquidation documents, the multi-center file forwarding system can also upload transaction documents of member institutions to the regional exchange parent center and regional exchange sub-center based on the file sending and receiving channels with the regional exchange sub-center, regional exchange parent center, and member institutions.

Generally speaking, the documents uploaded by member institutions are mixed documents of local transactions and cross-regional transactions, so as to avoid the problem that it is difficult or even impossible for institutions to distinguish whether a transaction is a local transaction or a cross-regional transaction.

The multi-center file forwarding system uploads the transaction files of member institutions to the regional exchange parent center and the regional exchange sub-center, as shown in Figure 4, including:

Step 401, receiving a transaction file to be forwarded including multiple transaction records;

Step 402, obtaining the bank card identification recorded in each transaction record;

Step 403, splitting the transaction file to be forwarded into a local transaction file and a cross-region transaction file according to the bank card identifications respectively recorded in the multiple transaction records;

Step 404: Send the local transaction file to the regional exchange sub-center, and send the cross-regional transaction file to the regional exchange parent center.

Wherein, step 403 specifically comprises: for any transaction record, find whether there is the bank card identification of this transaction record in the local bank card identification database; If exist, write this transaction record in the local transaction file; If not exist, Write this transaction record into the cross-region transaction file.

Wherein, the bank card ID recorded in the transaction record is the bank card BIN of the card issuer among the transaction parties. Usually the card BIN is the first 6 digits of a bank card number to distinguish different bank cards. For local institutions in the region, when entering the regional exchange sub-center, if the local institution is a card issuer, the card BIN of its bank card will be registered in the regional sub-center, and the card BIN of the card issuer will be stored in the regional exchange sub-center In the local bank card identification database, and the multi-center file forwarding system of the present invention is set under the main system of the regional exchange sub-center, the card BIN data in the local bank card identification database of the regional exchange sub-center can be called at any time, and then the transaction file split.

In order to avoid business conflicts, before the transaction file to be forwarded is split, the file name of the received file sent by the member institution is the same as the file name of the transaction file sent by the multi-center file forwarding system to the regional exchange sub-center and the regional exchange parent center. The file name of the transaction file to be forwarded before the split is the same as the file name of the split local transaction file and cross-region transaction file. In order to avoid file replacement, the transaction file to be forwarded before the split, the local transaction file and the cross-region transaction file after the split are stored in different directories.

The following describes the forwarding logic of the multi-center file forwarding system for the transaction files uploaded by the local institution to the regional exchange sub-center or the regional exchange parent center in conjunction with the flow chart shown in Figure 5, as follows:

Step 501: Receive the transaction file to be forwarded. The transaction file to be forwarded includes multiple transaction records. The transactions in the transaction records can be any two or three of local transactions, cross-region transactions, and mixed transactions. The transaction file to be forwarded carries the identification information of the sender, such as the IP information of the sender, where the sender here is a local institution or an overseas institution in the region.

Step 502, analyze each transaction record of the uploaded transaction file one by one, split them into different files respectively, execute step 503 after each split, wherein, when analyzing each transaction record, execute step 504;

Step 504, obtaining the card BIN in each transaction record, and judging whether there is a card BIN corresponding to the record in the regional exchange sub-center;

If there is a card BIN corresponding to the record in the area exchange sub-center, then perform step 505, if there is no card BIN corresponding to the record in the area exchange sub-center, then perform step 506;

Step 505, write the record into the local transaction file, and turn to step 502;

Step 506, write the record into the cross-region transaction file, and turn to step 502;

Step 503, judge whether the analysis and splitting of all transaction records is completed, if yes, execute step 507, if not, go to step 504.

Step 507: Send the split local transaction file to the regional exchange sub-center, and send the split cross-region transaction file to the regional exchange parent center.

According to the above method flow, it can be seen that the multi-center file forwarding system of the present invention can smoothly and accurately forward the uploaded files from the member institutions in the area to the area exchange parent center or the area exchange child center.

Through the above-mentioned method and process, a unified functional interface can be provided for the multi-centers and member institutions in the system architecture without any transformation of the member institutions, regional exchange sub-centers and regional exchange parent centers, and the multi-center liquidation file can be sent and received. Unified encapsulation, so that all transaction documents that occur in the region can be accurately sent to the corresponding regional exchange sub-center or regional exchange parent center, so that the settlement documents issued by the regional exchange sub-center or regional exchange parent center can be smoothly forwarded to Corresponding member institutions (including local institutions and overseas institutions that have access to regional exchange sub-centers), and then accelerate the construction of new regional exchange sub-centers, and speed up the process of business migration of overseas institutions.

Based on the above method flow, the embodiment of the present invention provides a multi-center file forwarding device, which is applied in the multi-center file forwarding system provided by the present invention.

As shown in FIG. 6, an embodiment of the present invention provides a multi-center file forwarding device 600, including:

A receiving unit 601, configured to receive the liquidation file to be forwarded;

A processing unit 602, configured to obtain the sender, receiver and file attributes of the liquidation file to be forwarded;

When the sender is a regional exchange sub-center, determine whether the file attribute is a local transaction-specific clearing file, and if so, send the clearing file to be forwarded to the receiver through the sending unit 603;

When the sender is the regional exchange parent center, determine whether the file attribute is a clearing file for cross-regional transactions, and if so, send the clearing file to be forwarded to the receiver through the sending unit 603 .

Optionally, the file attributes are pre-configured as exclusive settlement files for local transactions, exclusive settlement files for cross-region transactions, and exclusive settlement files for hybrid transactions;

The processing unit 602 is configured to: obtain the file name of the liquidation file to be forwarded, and determine the file attribute according to the file name;

Among them, the file name is pre-configured as the file name of the liquidation file exclusive to local transactions, the file name of the liquidation file exclusive to cross-region transactions, and the file name of the liquidation file exclusive to mixed transactions. .

Optionally, the processing unit 602 is also used to:

When the sender is a regional exchange sub-center, if it is determined that the file attribute is a mixed transaction-specific clearing file, mark the liquidation file to be forwarded as a liquidation file to be merged from the regional exchange sub-center; or,

When the sender is the parent center of the regional exchange, if it is determined that the file attribute is a clearing file exclusive to mixed transactions, the clearing file to be forwarded will be marked as the clearing file to be merged from the parent center of the regional exchange.

Further, after the processing unit marks the liquidation file to be forwarded as the liquidation file to be merged from the regional exchange sub-center, or marks the liquidation file to be forwarded as the liquidation file to be merged from the parent center of the regional exchange, it is also used to:

Find whether there are files to be consolidated and cleared with the same file name from the regional exchange sub-center and from the regional exchange parent center;

If it exists, merge the found liquidation files to be merged, and send the merged liquidation file to the recipient through the sending unit 603 .

Optionally, the receiving unit 601 is also configured to receive a transaction file to be forwarded including multiple transaction records;

The processing unit 602 is also used to obtain the bank card identification recorded in each transaction record; split the transaction file to be forwarded into a local transaction file and a cross-region transaction file according to the bank card identifications recorded in multiple transaction records; and The local transaction file is sent to the regional exchange sub-center through the sending unit, and the cross-regional transaction file is sent to the regional exchange parent center through the sending unit 603 .

Further, the processing unit 602 is specifically configured to:

For any transaction record, check whether the bank card identification of the transaction record exists in the local bank card identification database;

If it exists, write the transaction record into the local transaction file; if it does not exist, write the transaction record into the cross-region transaction file.

Through the above-mentioned multi-center file forwarding device 600, a unified functional interface can be provided for the multi-center and member institutions in the system architecture without modifying the member institutions, the regional exchange sub-centers and the regional exchange parent centers, and the multi-center can be realized. The unified encapsulation of the sending and receiving of clearing documents enables all transaction documents that occur in the region to be accurately sent to the corresponding regional exchange sub-center or regional exchange parent center, so that the clearing documents issued by the regional exchange sub-center or regional exchange parent center can be Smoothly forward to the corresponding member institutions (including local institutions and overseas institutions that have access to regional exchange sub-centers), thereby speeding up the construction of new regional exchange sub-centers and the process of business migration of overseas institutions.

Based on the above-mentioned multi-center file forwarding device, an embodiment of the present invention provides an optional multi-center file forwarding system, which is set under the system of each regional exchange sub-center of the multi-center bank card exchange system architecture shown in Figure 1, such as As shown in Figure 7, it mainly includes a file receiving function module, a file splitting function module, a file merging function module and a file sending function module. Wherein, the file receiving function module is equivalent to the receiving unit 601 in the above-mentioned embodiment, the file splitting function module and the file merging function module are equivalent to the processing unit 602 in the above-mentioned embodiment, and the file sending function module is equivalent to the sending unit 602 in the above-mentioned embodiment. Unit 603. The functions of these four functional modules in the multi-center file forwarding system are as follows:

The file receiving function module is mainly responsible for receiving file sending requests from regional exchange sub-centers or regional exchange parent centers and local member institutions. And according to the file sender and file attributes, if the file comes from a local institution, the file will be processed by the file splitting module; if the file comes from the regional exchange sub-center or the regional exchange parent center, and the file is a mixed transaction clearing in the region file, the file is handed over to the file merging module for processing, otherwise it is directly handed over to the file sending module for forwarding.

The file splitting function module mainly splits the files from local institutions, and sends the split local transaction files and cross-regional transaction files to the regional exchange sub-center and regional exchange parent center respectively by the file sending module.

The document merging function module is mainly for merging the mixed liquidation documents from the regional exchange sub-center or the regional exchange parent center, and forwarding the merged mixed clearing documents to the member institutions in the area by the file sending module, including local institutions in the area institutions and overseas institutions in the region.

The file sending module mainly sends the file directly to the domain exchange sub-center or the area exchange parent center and member institutions in the area according to the file forwarding request from the file receiving function module, the file splitting function module, and the file merging function module.

Through the above-mentioned multi-center file forwarding system, a unified functional interface can be provided for multi-centers and member institutions within the system architecture without any transformation of member institutions, regional exchange sub-centers and regional exchange parent centers, and multi-center liquidation can be realized The unified encapsulation of file sending and receiving enables all transaction documents that occur in the region to be accurately sent to the corresponding regional exchange sub-center or regional exchange parent center, so that the settlement documents issued by the regional exchange sub-center or regional exchange parent center can be smoothly The information is forwarded to the corresponding member institutions (including local institutions and overseas institutions that have access to regional exchange sub-centers), thereby speeding up the construction of new regional exchange sub-centers and the process of business migration of overseas institutions.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It should be understood that each procedure and/or block in the flowchart and/or block diagram, and a combination of procedures and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions may be provided to a general purpose computer, special purpose computer, embedded processor, or processor of other programmable data processing equipment to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing equipment produce a An apparatus for realizing the functions specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.

These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing apparatus to operate in a specific manner, such that the instructions stored in the computer-readable memory produce an article of manufacture comprising instruction means, the instructions The device realizes the function specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.

These computer program instructions can also be loaded onto a computer or other programmable data processing device, causing a series of operational steps to be performed on the computer or other programmable device to produce a computer-implemented process, thereby The instructions provide steps for implementing the functions specified in the flow chart or blocks of the flowchart and/or the block or blocks of the block diagrams.

While preferred embodiments of the invention have been described, additional changes and modifications to these embodiments can be made by those skilled in the art once the basic inventive concept is appreciated. Therefore, it is intended that the appended claims be construed to cover the preferred embodiment as well as all changes and modifications which fall within the scope of the invention.

Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalent technologies, the present invention also intends to include these modifications and variations.

Claims (12)

1. A multi-center file forwarding processing method, characterized in that, comprising: Receive liquidation documents to be forwarded; Obtain the sender, receiver and file attributes of the liquidation file to be forwarded; When the sender is a regional exchange sub-center, determine whether the file attribute is a local transaction-specific liquidation file, and if so, send the liquidation file to be forwarded to the receiver; When the sender is the regional exchange parent center, determine whether the file attribute is a clearing file exclusively for cross-regional transactions, and if so, send the clearing file to be forwarded to the receiver. 2. The method according to claim 1, wherein the file attributes are pre-configured as exclusive settlement files for local transactions, exclusive settlement files for cross-region transactions, and exclusive settlement files for hybrid transactions; Obtain the file attributes of the liquidation file to be forwarded, including: Obtain the file name of the liquidation file to be forwarded; According to the file name, the file attribute is determined, wherein the file name is pre-configured as the file name of the liquidation file exclusive to the local transaction, the file name of the liquidation file exclusive to the cross-region transaction, and the file name of the liquidation file exclusive to the mixed transaction. Hybrid transactions refer to transactions where the two parties to the transaction are local institutions and overseas institutions. 3. The method of claim 2, further comprising: When the sender is a regional exchange sub-center, if it is determined that the attribute of the file is a mixed transaction-specific clearing file, then mark the liquidation file to be forwarded as a liquidation file to be merged from the regional exchange sub-center; or, When the sender is the parent center of the regional exchange, if it is determined that the attribute of the file is a mixed transaction-specific clearing file, then mark the clearing file to be forwarded as a clearing file to be merged from the parent center of the regional exchange. 4. The method according to claim 3, wherein the liquidation file to be forwarded is marked as the liquidation file to be merged from the regional exchange sub-center, or the liquidation file to be forwarded is marked as from the regional exchange parent After the Center's liquidation documents to be consolidated, the method further includes: Find whether there are files to be consolidated and cleared with the same file name from the regional exchange sub-center and from the regional exchange parent center; If it exists, merge the found liquidation files to be merged, and send the merged liquidation file to the recipient. 5. The method according to any one of claims 1 to 4, further comprising: Receive transaction files to be forwarded including multiple transaction records; Obtain and record the bank card identification in each transaction record; Splitting the transaction file to be forwarded into a local transaction file and a cross-region transaction file according to the bank card identifications respectively recorded in the plurality of transaction records; and Send the local transaction file to the regional exchange sub-center, and send the cross-regional transaction file to the regional exchange parent center. 6. The method according to claim 5, wherein, according to the bank card identifications recorded respectively in the multiple transaction records, the transaction file to be forwarded is split into a local transaction file and a cross-region transaction file, comprising: For any transaction record, check whether the bank card identification of the transaction record exists in the local bank card identification database; If it exists, write the transaction record into the local transaction file; if it does not exist, write the transaction record into the cross-region transaction file. 7. A multi-center file forwarding processing device, characterized in that it comprises: a receiving unit, configured to receive the liquidation documents to be forwarded; A processing unit, configured to obtain the sender, receiver and file attributes of the liquidation file to be forwarded; When the sender is a regional exchange sub-center, determine whether the file attribute is a local transaction-specific clearing file, and if so, send the clearing file to be forwarded to the receiver through the sending unit; When the sender is the regional exchange parent center, determine whether the file attribute is a clearing file for cross-regional transactions, and if so, send the clearing file to be forwarded to the receiver through the sending unit. 8. The device according to claim 7, wherein the file attributes are pre-configured as exclusive settlement files for local transactions, exclusive settlement files for cross-region transactions, and exclusive settlement files for hybrid transactions; The processing unit is configured to: obtain the file name of the liquidation file to be forwarded, and determine the file attribute according to the file name; Wherein, the file name is pre-configured as the file name of the liquidation file exclusive to the local transaction, the file name of the liquidation file exclusive to the cross-region transaction, and the file name of the liquidation file exclusive to the mixed transaction. The mixed transaction means that the two parties to the transaction are the local institution and the Transactions with Overseas Institutions. 9. The device according to claim 8, wherein the processing unit is further configured to: When the sender is a regional exchange sub-center, if it is determined that the attribute of the file is a mixed transaction-specific clearing file, then mark the liquidation file to be forwarded as a liquidation file to be merged from the regional exchange sub-center; or, When the sender is the parent center of the regional exchange, if it is determined that the attribute of the file is a mixed transaction-specific clearing file, then mark the clearing file to be forwarded as a clearing file to be merged from the parent center of the regional exchange. 10. The device according to claim 9, wherein the processing unit marks the liquidation file to be forwarded as a liquidation file to be merged from the regional exchange sub-center, or marks the liquidation file to be forwarded as After the pending merge clearing file from the zone exchange parent center, also used to: Find whether there are files to be consolidated and cleared with the same file name from the regional exchange sub-center and from the regional exchange parent center; If it exists, merge the found liquidation files to be merged, and send the merged liquidation file to the receiver through the sending unit. 11. The device according to any one of claims 7 to 10, wherein the method further comprises: The receiving unit is further configured to receive a transaction file to be forwarded including multiple transaction records; The processing unit is also used to obtain the bank card identification recorded in each transaction record; according to the bank card identification recorded respectively in the multiple transaction records, the transaction file to be forwarded is split into a local transaction file and a cross-transaction file. The regional transaction file; and the local transaction file is sent to the regional exchange sub-center through the sending unit, and the cross-regional transaction file is sent to the regional exchange parent center through the sending unit. 12. The device according to claim 11, wherein the processing unit is specifically configured to: For any transaction record, check whether the bank card identification of the transaction record exists in the local bank card identification database; If it exists, write the transaction record into the local transaction file; if it does not exist, write the transaction record into the cross-region transaction file.