CN107067323A - Finance data processing system and batch credit transaction dissemination system and its method - Google Patents

Abstract

The invention relates to a financial data processing system and a batch credit transaction distribution system and method thereof. The financial data processing method of the present invention includes the following steps: a data receiving step, receiving financial data; a data pre-processing step, for pre-processing the received financial data and distinguishing the first type of data from the second type data; the first data processing step is to perform data processing on the first type of data and output after format conversion; and the second data processing step is to perform data processing on the second type of data and perform format conversion to output. According to the present invention, batch files can be automatically identified and processed separately, which helps to expand various payment services, effectively improves customer stickiness, and can improve the processing effect of financial data and reduce transaction costs.

Description

Financial data processing system and batch credit transaction distribution system and method thereof

technical field

The present invention relates to a system and method for processing financial data, more particularly to a batch credit transaction distribution and quota control method and system capable of automatically distinguishing card-based accounts and non-card-based accounts.

Background technique

With the substantial increase in the number of domestic small and medium-sized financial (commercial, village) banks and non-bank payment institutions, and the rapid development of the financial payment market, payment-related fund credits such as merchant fund entry, agriculture-related purchases, and salary payment Activities are becoming more and more frequent and the market is vast. In addition to the card-based accounts such as bank card accounts mainly based on card bins, the current bank accounts also have a large number of non-card-based accounts such as corporate accounts and passbook accounts. Credit transaction processing.

Among them, the card base can be understood as the bank card account identified or associated with the card bin account number of UnionPay, Visa, Master, etc. based on the ISO standard card bin. For example, the current UnionPay card number starting with 62 in China is 16-19 digits in length, then the card organization can judge which bank it is and what kind of card (debit or credit card) it is by identifying the first 6 digits of the card bin number, etc. , and then forward it to the corresponding card issuing bank, which will perform password verification and return authorization information to complete the transaction.

In contrast, non-card-based accounts can be understood as, for example, current passbook accounts and corporate accounts are all accounts defined by each bank (there may be certain historical development factors in this), and there are no clear standards and rules. Organizations cannot identify which accounts belong to which bank based on these account information, nor can they identify the nature of these accounts, and there is no way to forward transaction information flow through message information.

Small and medium-sized financial banks and non-bank payment institutions, as members of UnionPay, need to split credit transactions by themselves, and entrust qualified commercial banks with non-card-based transactions to process them through the People's Bank of China's small-amount payment system and super online banking. Card-based transactions Initiate credit transaction processing through UnionPay. There are a series of problems such as internal system transformation, slow processing of non-card-based business, high fees, and poor reconciliation experience. The majority of member institutions expect to be able to unify batch processing entrances, reduce credit costs, and improve user experience.

Contents of the invention

In view of the above problems, the present invention aims to provide a financial data processing system for processing different types of financial data.

More specifically, the present invention aims to provide a batch credit transaction distribution system that can provide a unified batch processing interface and can automatically distinguish between card-based accounts and non-card-based accounts.

On this basis, the present invention aims to provide a batch credit transaction distribution and limit control method and system capable of automatically distinguishing card-based accounts and non-card-based accounts and capable of controlling the limit.

The financial data processing system of the present invention is characterized in that it has:

The data dialing device is used to submit the financial data to the following data pre-processing device;

A data pre-processing device, used to pre-process the financial data from the data transfer device and distinguish the first type of data from the second type of data, and send the first type of data to the following first type of data The processing device sends the second type of data to the second type of data processing device described below;

The first type of data processing device is used to perform data processing on the first type of data and send the processed data to the following first switching system;

The second type of data processing device is used to perform data processing on the second type of data and send the processed data to the following second switching system;

The first switching system is used to convert the format of the data output by the first type of data processing device and then send it to the following data access device;

The second switching system is used to convert the format of the data output by the second type data processing device to the following data access device; and

A data access device, configured to receive processing results from the first switching system and the second switching system.

Preferably, further possess:

A data addition control management system, configured to implement additional control management on the first type of data to be processed by the first type of data processing device and the second type of data to be processed by the second type of data processing device,

The first-type data processing device performs data processing on the first-type data, and the second-type data processing device performs data processing on the second-type data after passing the additional control management.

Preferably, the first-type data processing device and the second-type data processing device feed back data processing results to the data dial-out device through the data pre-processing device.

Preferably, the data pre-processing means pre-processes the financial data based on a 10-tree method to distinguish the input financial data into first type data and second type data.

Preferably, the 10-fork tree processing is to read the card bin information table first, establish a 10-fork tree, store it according to the way that the child node of each node is one bit more than the parent node, and use the pre-order recursive algorithm to retrieve, for The financial data whose card bin is found on the dectree is judged as the first type of data, and the financial data whose card bin is not found on the 10-ary tree is judged as the second type of data.

The batch credit transaction distribution system of the present invention is characterized in that it has: a payment mechanism, a batch file distribution front-end system, a transaction processing front-end system, a large and small amount front-end system, a pedestrian payment system, a transfer system, and a collection mechanism ,

Wherein, the payment institution is used to submit batch files to the front-end system,

The batch file distribution front-end system distributes the card-based accounts of the cards in the batch file to the front-end system for processing, and distributes the non-card-based accounts to the large and small amount front-end system,

The large and small amount front-end system processes the received batch files of non-card-based accounts, returns the processing results to the batch file distribution system and sends the processing results to the PBOC payment system,

The PBOC payment system transfers the processing results from the large and small amount front-end system and sends them to the collection agency,

The transaction processing front-end system processes the batch files from the card-based account of the batch file distribution front-end system and sends the processed message to the transfer system,

The transfer system transfers the message from the transaction processing front-end system and then sends it to the collection institution.

Preferably, further possess:

The quota control management system is used to perform quota control processing before the transfer system sends the obtained message to the collection institution, and the transfer system sends the message to the collection institution according to the quota control processing result, and uses Before the large and small amount front-end system sends the instruction to the collection institution, the amount control process is performed first, and the large and small amount front-end system sends a message to the payment collection institution according to the amount control processing result.

Preferably, the transaction processing front-end system and the large and small amount front-end system feed back the processing results to the payment institution through the batch file distribution front-end system.

Preferably, the bulk file distribution front-end system performs card-based account number identification processing on the batch files, distributes to the front-end system for processing for card-based accounts, and distributes to the large and small amount front-end system for non-card-based accounts.

Preferably, the batch file distribution front-end system pre-processes the financial data based on a 10-tree method to distinguish the input financial data into card-based accounts and non-card-based accounts.

Preferably, the 10-fork tree processing is to read the card bin information table first, establish a 10-fork tree, store it according to the way that the child node of each node is one bit more than the parent node, and use the pre-order recursive algorithm to retrieve, for The file that finds the card bin on the 10-fork tree is judged as a card-based account, and the file that does not find a card bin on the 10-fork tree is judged as a non-card-based account.

The financial data processing method of the present invention is characterized in that it comprises the following steps:

Data receiving step, receiving from financial data;

The data pre-processing step is used to pre-process the received financial data and distinguish the first type of data from the second type of data;

The first data processing step is to perform data processing on the first type of data and perform format conversion before outputting; and

The second data processing step is to perform data processing on the second type of data and perform format conversion before outputting.

Preferably, further possess:

A first data addition control management step, implementing additional control management on the first type of data to be subjected to first data processing, and implementing the first data processing step after passing the additional control management; and

The second data addition control management step is to implement additional control management on the second type of data to be subjected to the second data processing, and implement the second data processing step after passing the additional control management.

Preferably, in the data pre-processing step, the financial data is pre-processed based on a 10-tree method to distinguish the input financial data into first type data and second type data.

Preferably, the 10-fork tree processing is to read the card bin information table first, establish a 10-fork tree, store it according to the way that the child node of each node is one bit more than the parent node, and use the pre-order recursive algorithm to retrieve, for The financial data whose card bin is found on the dectree is judged as the first type of data, and the financial data whose card bin is not found on the 10-ary tree is judged as the second type of data.

The batch credit transaction distribution method of the present invention is characterized in that it comprises the following steps:

Data receiving step, receiving batch files;

The data pre-processing step is used to pre-process the received batch files and distinguish card-based accounts from non-card-based accounts;

The first data processing step is to perform data processing on the batch files of card-based accounts and output after format conversion; and

The second data processing step is to perform data processing on the batch files of non-card-based accounts and output them after format conversion.

Preferably, further possess:

The first data additional control management step is to implement additional control management on the data of the card-based account, and implement the first data processing step after passing the additional control management; and

The second data addition control management step is to implement additional control management on the data of the non-card-based account, and implement the second data processing step after passing the additional control management.

Preferably, in the data pre-processing step, the batch files are pre-processed based on a 10-tree method to distinguish between card-based account data and non-card-based account data.

Preferably, the 10-fork tree processing is to read the card bin information table first, establish a 10-fork tree, store it according to the way that the child node of each node is one bit more than the parent node, and use the pre-order recursive algorithm to retrieve, for The data of the card bin found on the dectree is judged as the data of the card-based account, and the data of the card bin not found on the 10-branch tree is judged as the data of the non-card-based account.

As mentioned above, according to the financial data processing system and batch credit transaction distribution system and method thereof of the present invention, batch files can be automatically identified and processed separately, which helps to expand various payment services and effectively enhance customer stickiness. Moreover, It can improve the processing effect of financial data and reduce transaction costs.

Description of drawings

Fig. 1 is a block diagram showing the structure of a financial data processing system of the present invention.

Fig. 2 is a block diagram showing the structure of the batch credit transaction distribution system of the present invention.

FIG. 3 shows the specific process of identifying card-based accounts and non-card-based accounts by the batch file distribution front-end system 200 of the present invention.

FIG. 4 shows the specific flow of quota control by the quota control management system 500 in the present invention.

detailed description

Introduced below are some of the various embodiments of the invention, intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of protection.

Fig. 1 is a block diagram showing the structure of a financial data processing system of the present invention.

As shown in Figure 1, the financial data processing system of the present invention has:

The data dialing device 10 is used to submit the financial data to the following data pre-processing device 20;

The data pre-processing device 20 is used for pre-processing the financial data received from the data transfer device 10, sending the first type data to the first type data processing device 30 described below, and sending the second type data The data is sent to the second type of data processing means 40 described below;

The first-type data processing device 30 is configured to perform data processing on the first-type data and send the processed data to the first switching system 60;

The second-type data processing device 40 is configured to perform data processing on the second-type data and send the processed data to the first switching system 70;

The first switching system 60 is used for converting the format of the data output by the first type data processing device 30 and then sending it to the following data access device 80;

The second switching system 70 is used to convert the format of the data output by the second type data processing device 40 to the following data access device 80; and

The data access device 80 is configured to receive the processing results from the first switching system 60 and the second switching system 70 .

Preferably, the financial data processing system of the present invention further possesses:

The data addition control management system 50 is configured to implement additional control management on the first type of data to be processed by the first type of data processing 30 and the data to be processed by the second type of data processing device 40, and through the additional control After the management, the first-type data processing device 30 performs data processing on the first-type data, and the second-type data processing device 40 performs data processing on the second-type data.

Preferably, the first type data processing device 30 and the second type data processing device 40 feed back the data processing result to the data dialing device 10 through the data preprocessing device 20 .

Wherein, the data pre-processing device performs pre-processing on the financial data based on the 10-tree method to divide the input financial data into first type data and second type data. Among them, the 10-fork tree processing refers to reading the card bin information table first, building a 10-fork tree, storing it according to the way that the child node of each node is one bit more than the parent node, and using the pre-order recursive algorithm for retrieval. The financial data whose card bin is found on the tree is judged as the first type of data, and the financial data whose card bin is not found on the deca tree is judged as the second type of data.

Next, the specific situation of applying the financial data processing system of the present invention to batch credit transaction distribution will be described.

Fig. 2 is a block diagram showing the structure of the batch credit transaction distribution system of the present invention.

As shown in Figure 2, the batch credit transaction distribution system of the present invention includes: a payment institution 100, a batch file distribution front-end system 200, a transaction processing front-end system 300, a large and small amount front-end system 400, a quota control management system 500, Transfer system 600 , PBC payment system 700 and collection institution 800 .

Wherein, the payment institution 100 submits batch payment request files in a unified format to the batch file distribution front-end system 200, and the batch file distribution front-end system 200 loads them. The front-end system for batch file distribution 200 not only provides a system docking method, but also provides a service interface for member institutions to submit request files on the interface for loading. If the loading fails, the loading status recovery file will be issued immediately, and the loading status and failure reason will be displayed on the service interface.

The batch file distribution front-end system 200 performs card-based account identification processing on the transaction records successfully loaded into the database, and distributes the credit transaction records that meet the bank card card-based standard to the transaction processing front-end system 300 for processing. Card-based accounts are distributed to the front-end system 400 for large and small amounts.

The main functions of the batch file distribution front-end system 200: 1) Load the batch files submitted by the payment institution 100 received, and form a return file for the records that do not meet the file format requirements to feed back to the payment institution 100; 2) After loading, carry out card base identification processing, form batch payment documents based on card base credit transactions, and send them to the transaction processing pre-processing device 300; 3) For non-card base transaction records, send them to the large and small amount front System 400; 4) Provide the transaction processing success/failure transactions returned by the transaction processing front-end system 300 and the large and small amount front-end system 400 to the payment institution 100 in the form of feedback files and inquiries.

After the large and small amount front-end system 400 receives the batch credit transaction records, it packs and summarizes the total amount of credit funds that need to be frozen. Among them, the priority is to apply to the quota control management system 500 to freeze the capital quota and return it successfully, and then to the PBC payment system 700 Send credit instructions, and receive remittance refund transaction instructions that fail to enter the account. If the application for freezing the credit amount fails, all batch credit transactions initiated by the large and small amount front-end system 400 will fail.

The main functions of the large and small amount front-end system 400 are as follows: 1) Convert the received batch credit transactions through the pre-processed records into the message format sent to the PBC payment system 700, and based on the transaction and fund information, etc. , apply for freezing funds, package the transaction, and send a transaction message to the PBC payment system 70; 2) receive the transaction information returned by the PBC payment system 70, as well as the freezing and release of the fund application, and return the transaction processing result to the front of the batch file distribution Set up the system 200.

After the transaction processing front-end system 300 receives batch credit transactions, it performs batch transfer processing (that is, the batch transactions are combined into messages one by one and sent), and initiates payment transaction messages to the transfer system 600 one by one, and collects The transaction returns success/failure message information. The main functions of the transaction processing front-end system 600 are as follows: perform forwarding processing on received batch credit transactions (that is, batch transactions are combined into messages one by one for sending), and receive information returned by the transfer system 600 .

The transfer system 600 sends credit transactions one by one, and applies to the quota control management system 500 one by one and freezes the transaction capital quota before sending. If the quota control management transaction quota is used up, the transaction will fail to send. If the transfer system 600 receives a feedback message from the collection agency 800 that the credit transaction fails, it will feedback and apply for releasing the frozen funds of the transaction.

Among them, the main functions of the quota control system 500 are as follows: receiving the transfer system 600 and the large and small amount front-end system 400 related to the freeze and release application and feedback of the fund quota of a certain institution. According to the credit transaction funds, there is a certain basic amount for an institution and the principle of receiving first and paying later, setting up an institutional account, freezing and releasing a certain amount of funds in the institutional account in real time, and handling the freezing failure and returning a notification message when the amount is not enough.

The transaction processing front-end system 300 and the large and small amount front-end system 400 feed back the successful or failed transaction records returned to the batch file distribution front-end system 200, and notify the payment institution 100 of the transaction success/failure record details in the form of a feedback file, and also Provide a service interface to query transaction status.

Next, the batch file distribution front-end system 200 as one of the inventive points of the present invention will be described.

The batch file distribution front-end system 200 performs card-based account identification processing on the transaction records successfully loaded into the database, and distributes the credit transaction records that meet the bank card card-based standard to the transaction processing front-end system 300 for processing. Card-based accounts are distributed to the front-end system 400 for large and small amounts. Here, in order to solve the identification problem of card-based and non-card-based accounts, and considering the rapid growth of the card bin order of magnitude and the number of credit transactions in the millions, the present invention focuses on solving the identification and distribution efficiency of transactions, and proposes The solution is as follows: by loading the card bin information into the shared memory to exist in the form of a 10-fork tree, so as to realize the shortest path in the simultaneous search and card bin matching process of transaction accounts in multiple process files.

FIG. 3 shows the specific process of identifying card-based accounts and non-card-based accounts by the batch file distribution front-end system 200 of the present invention.

As shown in Figure 3, in step S100, a 10-fork tree is established according to the card bin information, specifically, according to the characteristics of the card bin table length being the shortest 6 digits and the longest 12 digits, and the numbers are 10 from 0-9 digits, read the card bin information table, build a 10-fork tree, and store all the card bin numbers in the card bin in the form of a 10-fork tree in the memory according to the way that the child nodes of each layer of nodes are one bit longer than the parent node. And stored in a chained manner, the data field stores the card bin and the tag value (0 or 1) in a structure. In order to ensure that each card bin can be included in the 10-fork tree, a complete binary tree needs to be established. For non-actual card bins, other The data field tag value is 0.

In step S200, a credit transaction is read from the batch file distribution front-end system 200, its account information is obtained, and the length of the account is determined.

In step S300, it is judged whether the account number is between 16 and 19 digits, if the account number length is between 16 and 19 digits, then enter step S500 to continue to judge the card-based account number, if the account number length is not between 16 and 19 digits If it is between 19 digits, it is directly judged as a non-card-based transaction and proceeds to step S400. In step S400, the non-card-based transaction is stored.

In step S500, the account number entering this step is retrieved according to the preorder recursive algorithm, and the combination of digits from the first digit to the next digit is searched in turn until the corresponding node data field value in the decile tree is found to be consistent, marked When the value is 1, the next digit combination of the account has a value of 0 in the data field mark in the 10-fork tree. Above, it is considered that the card bin number corresponding to the account has been retrieved, that is, in step S600, if the corresponding card bin number is retrieved, it is considered to be a card-based transaction and enter step S700, and the card-based transaction is stored in step S700 , if the corresponding card bin number cannot be retrieved, it is considered as a non-card-based transaction and enters step S800, where the non-card-based transaction is stored.

By repeating the above steps, the batch file distribution front-end system 200 processes each credit transaction sequentially.

In the present invention, as mentioned above, by using the 10-fork tree to quickly and effectively identify card-based transactions and non-card-based transactions, the efficiency of distinguishing card-based account numbers and non-card-based account numbers can be greatly improved, thereby effectively Increase the speed of transactions.

Next, the quota control management system 500 as another inventive point of the present invention will be described.

FIG. 4 shows the specific flow of quota control by the quota control management system 500 in the present invention.

In step S900, the quota control management system 500 receives the quota freeze/release application. In step S901, the quota control management system 500 checks the corresponding account status, including account validity, balance and operation authority, according to the submitted institutional information. etc. If the check fails, return the processing result directly; if the check account status is normal, enter step S902; otherwise, enter step S904 and return failure.

In step S902, for the checked account status is normal, the account fund status processing is performed. In step S903, the account funds are frozen according to the application amount, and the usable funds after freezing are the remaining balance; if it is a release application, the release fund amount is added to the usable balance, and the account fund amount remains unchanged. Regardless of whether the freeze or release succeeds or fails, enter step S904 and feed back the processing result to the applicant through the original route.

The financial data processing system and batch credit transaction distribution system of the present invention have been described above, and the financial data processing method and batch credit transaction distribution method of the present invention will be briefly described below.

The financial data processing method of the present invention is characterized in that it comprises the following steps:

Data receiving step, receiving from financial data;

The data pre-processing step is used to pre-process the received financial data and distinguish the first type of data from the second type of data;

The first data processing step is to perform data processing on the first type of data and perform format conversion before outputting; and

The second data processing step is to perform data processing on the second type of data and perform format conversion before outputting.

Preferably, further possess:

A first data addition control management step, implementing additional control management on the first type of data to be subjected to first data processing, and implementing the first data processing step after passing the additional control management; and

The second data addition control management step is to implement additional control management on the second type of data to be subjected to the second data processing, and implement the second data processing step after passing the additional control management.

Preferably, in the data pre-processing step, the financial data is pre-processed based on a 10-tree method to distinguish the input financial data into first type data and second type data.

Preferably, the 10-fork tree processing is to read the card bin information table first, establish a 10-fork tree, store it according to the way that the child node of each node is one bit more than the parent node, and use the pre-order recursive algorithm to retrieve, for The financial data whose card bin is found on the dectree is judged as the first type of data, and the financial data whose card bin is not found on the 10-ary tree is judged as the second type of data.

The batch credit transaction distribution method of the present invention is characterized in that it comprises the following steps:

Data receiving step, receiving batch files;

The data pre-processing step is used to pre-process the received batch files and distinguish card-based accounts from non-card-based accounts;

The first data processing step is to perform data processing on the batch files of card-based accounts and output after format conversion; and

The second data processing step is to perform data processing on the batch files of non-card-based accounts and output them after format conversion.

Preferably, further possess:

The first data additional control management step is to implement additional control management on the data of the card-based account, and implement the first data processing step after passing the additional control management; and

The second data addition control management step is to implement additional control management on the data of the non-card-based account, and implement the second data processing step after passing the additional control management.

Preferably, in the data pre-processing step, the batch files are pre-processed based on a 10-tree method to distinguish between card-based account data and non-card-based account data.

Preferably, the 10-fork tree processing is to read the card bin information table first, establish a 10-fork tree, store it according to the way that the child node of each node is one bit more than the parent node, and use the pre-order recursive algorithm to retrieve, for The data of the card bin found on the dectree is judged as the data of the card-based account, and the data of the card bin not found on the 10-branch tree is judged as the data of the non-card-based account.

The invention proposes a financial data processing system and a batch credit transaction distribution system. The financial data processing system of the present invention can automatically identify and classify financial data and implement additional control and management on the processed financial data. The batch credit transaction distribution system of the present invention can automatically identify and distribute transactions and control quotas for batch bank card-based and non-card-based account fund credit business. In the batch credit transaction distribution system of the present invention, the payment institution sends a batch file to the card organization, and the card organization automatically recognizes the card-based and non-card-based account numbers in the file, and initiates the credit through the card organization after distribution. Debit message transaction (that is, initiate a credit message transaction through the transaction processing front-end system and transfer system) or send it to the payment system of the People's Bank of China for fund credit, and share the amount of funds for risk control for the two fund credit channels In this way, the ability to enter funds into accounts for all accounts including card-based and non-card-based accounts has been realized. Compared with the original card organization, the present invention can only deal with card-based business restrictions based on the ISO standard card bin corresponding to the bank card number. Member institutions need to solve the difficulty of crediting funds into accounts through various ways. The file upload method is automatically analyzed and identified by the batch file distribution front-end system, which helps to expand various payment businesses, effectively improves customer stickiness, and can improve the processing effect of financial data and reduce transaction costs.

The above examples mainly illustrate the financial data processing system and the batch credit transaction distribution and limit control method and system capable of automatically distinguishing card-based accounts and non-card-based accounts of the present invention. Although only some specific embodiments of the present invention have been described, those skilled in the art should understand that the present invention can be implemented in many other forms without departing from the spirit and scope thereof. The examples and embodiments shown are therefore to be regarded as illustrative and not restrictive, and the invention may cover various modifications without departing from the spirit and scope of the invention as defined in the appended claims with replace.

Claims (19)

1. A financial data processing system, characterized in that it possesses: The data dialing device is used to submit the financial data to the following data pre-processing device; A data pre-processing device, used to pre-process the financial data from the data transfer device and distinguish the first type of data from the second type of data, and send the first type of data to the following first type of data The processing device sends the second type of data to the second type of data processing device described below; The first type of data processing device is used to perform data processing on the first type of data and send the processed data to the following first switching system; The second type of data processing device is used to perform data processing on the second type of data and send the processed data to the following second switching system; The first switching system is used to convert the format of the data output by the first type of data processing device and then send it to the following data access device; The second switching system is used to convert the format of the data output by the second type data processing device to the following data access device; and A data access device, configured to receive processing results from the first switching system and the second switching system. 2. The financial data processing system according to claim 1, further comprising: A data addition control management system, configured to implement additional control management on the first type of data to be processed by the first type of data processing device and the second type of data to be processed by the second type of data processing device, The first-type data processing device performs data processing on the first-type data, and the second-type data processing device performs data processing on the second-type data after passing the additional control management. 3. The financial data processing system as claimed in claim 1 or 2, characterized in that, The first-type data processing device and the second-type data processing device feed back data processing results to the data dialing device through the data pre-processing device. 4. The financial data processing system as claimed in claim 1 or 2, characterized in that, The data pre-processing device pre-processes the financial data based on a 10-tree method to distinguish the input financial data into first type data and second type data. 5. The financial data processing system as claimed in claim 4, wherein: The 10-fork tree processing is to first read the card bin information table, set up a 10-fork tree, store it according to the way that the child node of each node is one bit more than the parent node, and use the pre-order recursive algorithm to retrieve, for the 10-fork The financial data whose card bin is found on the tree is judged as the first type of data, and the financial data whose card bin is not found on the deca tree is judged as the second type of data. 6. A batch credit transaction distribution system, characterized in that it has: a payment institution, a batch file distribution front-end system, a transaction processing front-end system, a large and small amount front-end system, a PBOC payment system, a transfer system, and a collection mechanism, Wherein, the payment institution is used to submit batch files to the front-end system, The batch file distribution front-end system distributes the card-based accounts of the cards in the batch file to the front-end system for processing, and distributes the non-card-based accounts to the large and small amount front-end system, The large and small amount front-end system processes the received batch files of non-card-based accounts, returns the processing results to the batch file distribution system and sends the processing results to the PBOC payment system, The PBOC payment system transfers the processing results from the large and small amount front-end system and sends them to the collection agency, The transaction processing front-end system processes the batch files from the card-based account of the batch file distribution front-end system and sends the processed message to the transfer system, The transfer system transfers the message from the transaction processing front-end system and then sends it to the collection agency. 7. The batch credit transaction distribution system as claimed in claim 6, further comprising: The quota control management system is used to perform quota control processing before the transfer system sends the obtained message to the collection institution, and the transfer system sends the message to the collection institution according to the quota control processing result, and uses Before the large and small amount front-end system sends the instruction to the collection institution, the amount control process is performed first, and the large and small amount front-end system sends a message to the payment collection institution according to the amount control processing result. 8. The batch credit transaction distribution system as claimed in claim 6 or 7, wherein: The transaction processing front-end system and the large and small amount front-end system feed back the processing results to the payment institution through the batch file distribution front-end system. 9. The batch credit transaction distribution system as claimed in claim 6 or 7, characterized in that, The batch file distribution front-end system performs card-based account identification processing on the batch files, distributes the card-based accounts to the processing front-end system, and distributes non-card-based accounts to the large and small amount front-end system. 10. The batch credit transaction distribution system as claimed in claim 9, wherein: The batch file distribution front-end system performs pre-processing on financial data based on a 10-tree method to distinguish the input financial data into card-based accounts and non-card-based accounts. 11. The batch credit transaction distribution system as claimed in claim 10, characterized in that, The 10-fork tree processing is to first read the card bin information table, set up a 10-fork tree, store it according to the way that the child node of each node is one bit more than the parent node, and use the pre-order recursive algorithm to retrieve, for the 10-fork The file with the card bin found on the tree is judged as a card-based account, and the file with no card bin found on the 10-fork tree is judged as a non-card-based account. 12. A financial data processing method, characterized in that, comprising the following steps: Data receiving step, receiving from financial data; The data pre-processing step is used to pre-process the received financial data and distinguish the first type of data from the second type of data; The first data processing step is to perform data processing on the first type of data and perform format conversion before outputting; and The second data processing step is to perform data processing on the second type of data and perform format conversion before outputting. 13. The financial data processing method as claimed in claim 12, further comprising: A first data addition control management step, implementing additional control management on the first type of data to be subjected to first data processing, and implementing the first data processing step after passing the additional control management; and The second data addition control management step is to implement additional control management on the second type of data to be subjected to the second data processing, and implement the second data processing step after passing the additional control management. 14. The financial data processing method as claimed in claim 12 or 13, characterized in that, In the data pre-processing step, the financial data is pre-processed based on a 10-tree method to distinguish the input financial data into first type data and second type data. 15. The financial data processing method as claimed in claim 14, characterized in that, The 10-fork tree processing is to first read the card bin information table, set up a 10-fork tree, store it according to the way that the child node of each node is one bit more than the parent node, and use the pre-order recursive algorithm to retrieve, for the 10-fork The financial data whose card bin is found on the tree is judged as the first type of data, and the financial data whose card bin is not found on the deca tree is judged as the second type of data. 16. A batch credit transaction distribution method, characterized in that, comprising the following steps: Data receiving step, receiving batch files; The data pre-processing step is used to pre-process the received batch files and distinguish card-based accounts from non-card-based accounts; The first data processing step is to perform data processing on the batch files of card-based accounts and output after format conversion; and The second data processing step is to perform data processing on the batch files of non-card-based accounts and output them after format conversion. 17. The batch credit transaction distribution method as claimed in claim 16, further comprising: The first data additional control management step is to implement additional control management on the data of the card-based account, and implement the first data processing step after passing the additional control management; and The second data addition control management step is to implement additional control management on the data of the non-card-based account, and implement the second data processing step after passing the additional control management. 18. The batch credit transaction distribution method as claimed in claim 16 or 17, characterized in that, In the data pre-processing step, the batch files are pre-processed based on the dectree method to distinguish between card-based account data and non-card-based account data. 19. The batch credit transaction distribution method as claimed in claim 18, wherein: The 10-fork tree processing is to first read the card bin information table, set up a 10-fork tree, store it according to the way that the child node of each node is one bit more than the parent node, and use the pre-order recursive algorithm to retrieve, for the 10-fork The data of the card bin found on the tree is judged as the data of the card-based account, and the data of the card bin not found on the 10-fork tree is judged as the data of the non-card-based account.