CN106803836B - Multi-center file forwarding processing method and device - Google Patents

Abstract

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

Description

A kind of multi-center file forwarding processing method and device

technical field

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

Background technique

Existing bank card transfer clearing centers generally have off-site backup or linkage between regional exchange sub-centers, and regional exchange sub-centers generally require intra-regional centralized clearing 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 on the ground, and the regional exchange sub-center is responsible for handling local business of intra-regional business and acts as a bridge for cross-regional business.

For example, the system architecture shown in Figure 1 includes a parent exchange center and multiple exchange child centers. The parent exchange center only handles cross-border transactions, and the exchange child center only handles local transactions within the region. For the parent exchange center, the The clearing system is mainly used for the clearing of cross-border transactions. 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 that are directly connected to the parent exchange child 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 the member institutions in the region are uniformly connected, and the local transactions in the region are handled by the regional exchange sub-center. Clearing is done by itself, and cross-regional transactions are still cleared by the regional exchange parent center. When a new member institution is an overseas institution, once it has connected to the regional exchange child 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 process local transactions, and cannot link 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 regional exchange sub-centers, how to forward and process 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 is more desirable that member institutions do not need to distinguish between regional exchange child centers and regional exchange parent centers. Therefore, how to make the clearing documents of the new member institutions circulate among the institutions, the regional exchange sub-center and the regional exchange parent center becomes the key of the problem.

SUMMARY 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 clearing files, so as to be compatible with multi-center clearing systems.

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

Receive clearing documents to be forwarded;

obtaining the sender, receiver and file attributes of the clearing document to be forwarded;

When the sender is a regional exchange sub-center, determine whether the file attribute is an exclusive clearing file for local transactions, and if so, send the to-be-forwarded clearing file to the receiver;

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

Optionally, the file attributes are pre-configured as an exclusive clearing file for local transactions, an exclusive clearing file for cross-regional transactions, and an exclusive clearing file for mixed transactions;

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

obtaining the file name of the clearing document to be forwarded;

The file attribute is determined according to the file name, wherein the file name is preconfigured as a clearing file file name exclusive to local transactions, a clearing file file name exclusive to cross-regional transactions and a clearing file file name exclusive to mixed transactions, the A hybrid transaction refers to a transaction in which the two parties to the transaction are a local institution and an overseas institution.

Optionally, the method further includes:

When the sender is a regional exchange sub-center, if it is determined that the file attribute is an exclusive clearing file for mixed transactions, the to-be-forwarded clearing file is marked as a to-be-merged clearing file from the regional exchange sub-center; or,

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

Further, after the clearing document to be forwarded is marked as the clearing document to be merged from the regional exchange sub-center, or the clearing document to be forwarded is marked as the clearing document to be merged from the regional exchange parent center, the method further: include:

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

If it exists, merge the found settlement documents to be merged, and send the merged settlement documents to the receiver.

Optionally, the method further 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-regional transaction file according to the bank card identifiers recorded respectively in the plurality of transaction records; and

The local transaction file is sent to the regional exchange sub-center, and the cross-regional transaction file is sent to the regional exchange parent center.

Further, according to the bank card identifiers recorded respectively in the multiple transaction records, the to-be-forwarded transaction file is split into a local transaction file and a cross-regional transaction file, including:

For any transaction record, find out whether the bank card identifier of the transaction record exists in the local bank card identifier 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 clearing document to be forwarded;

a processing unit, configured to acquire the sender, receiver and file attributes of the clearing document to be forwarded;

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

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

Optionally, the file attributes are pre-configured as an exclusive clearing file for local transactions, an exclusive clearing file for cross-regional transactions, and an exclusive clearing file for mixed transactions;

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

Wherein, the file name is preconfigured as a clearing file file name exclusive to local transactions, a clearing file file name exclusive to cross-regional transactions, and a clearing file file name exclusive to mixed transactions, where 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 file attribute is an exclusive clearing file for mixed transactions, the to-be-forwarded clearing file is marked as a to-be-merged clearing file from the regional exchange sub-center; or,

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

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

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

If it exists, merge the found settlement documents to be merged, and send the merged settlement documents to the receiver through the sending unit.

Optionally, the method further includes:

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

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

Further, the processing unit is specifically used for:

For any transaction record, find out whether the bank card identifier of the transaction record exists in the local bank card identifier 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-center and member institutions in the system architecture without the modification of the member institutions, the regional exchange sub-center and the regional exchange parent center, and the multi-center clearing file can be sent and received. unified encapsulation, so that all transaction files occurring in the region can be accurately sent to the corresponding regional exchange sub-center or regional exchange parent center, so that the settlement files issued by the regional exchange sub-center or regional exchange parent center can be smoothly forwarded To the corresponding member institutions (including the local institutions and overseas institutions of the regional exchange sub-centers in the network), to speed up the construction of new regional exchange sub-centers, and to 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 specification, and are used to explain the present invention together with the embodiments of the present invention, and do not constitute a limitation to the present invention. In the attached image:

1 is a multi-center bank card business exchange system architecture provided by an embodiment of the present invention;

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

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

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

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

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

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

Detailed ways

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 with reference to the accompanying drawings. It should be understood that the preferred embodiments described herein are only used to illustrate and explain the present invention. The invention is not intended to limit the present invention. And the embodiments in this application and the features in the embodiments may be combined with each other without conflict.

The method provided by the present invention is suitable for the processing of multi-center clearing documents that require landing in a regional center but is linked with other regional centers, such as a cross-border bank card clearing system that requires overseas local transaction landing.

The inventor of the present invention found that: in order to speed up the construction of new regional exchange sub-centers, and to speed up the process of business migration of overseas institutions, it is necessary to provide a unified functional interface for the multi-center and member institutions in the system architecture, and it is necessary to provide a unified functional interface to the 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 occurring in the region can be accurately sent to the corresponding regional exchange sub-center or regional exchange parent. The settlement documents issued by the center, as well as the regional exchange sub-center or the regional exchange parent center can be accurately forwarded to the corresponding member institutions (including the local institutions and overseas institutions of the network-connected regional exchange sub-center). Under such application requirements, the present invention provides a file forwarding method to meet the application requirements, which can realize the unified encapsulation of multi-center clearing file sending and receiving, so that clearing files or transaction files can be stored in member institutions, regional exchange sub-centers and regional exchange parent Smooth forwarding between centers.

Among them, providing a unified functional interface for the multi-center and member institutions in the system architecture means that the functional interfaces for sending and receiving files are the same for the overseas institutions of the regional exchange sub-center or the local institutions in the region. For all regional exchange sub-centers, the functional interface of file sending and receiving is the same. For the regional exchange parent center, the functional interface of file sending and receiving 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 the newly-connected overseas institutions. For the regional exchange parent center, the original cross-regional clearing system does not need to be transformed.

Based on the inventive concept of the present invention, as shown in FIG. 2, an 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 clearing document to be forwarded;

Step 202, acquiring the sender, receiver and file attributes of the clearing file to be forwarded;

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

For the above method and process, the sender and receiver of the documents to be forwarded for clearing shall make the following explanations:

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

The regional switching sub-center is a sub-center that is deployed in each region and processes intra-regional switching services. The regional exchange sub-center is only responsible for the clearing of the local part of the intra-regional transactions and the issuance of clearing documents.

Among them, the regional switching parent center is the general switching service processing center mainly responsible for coordinating and centrally processing the services between the regional switching 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 exchange business scenarios, the business types are mainly divided into three types. A transaction is called a local transaction (also called an exclusive local transaction) if both parties to the transaction are local institutions in the region. 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 in the region, the transaction is called a cross-regional transaction (also called an exclusive cross-regional transaction).

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

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

For the regional exchange sub-center, the local part of the intra-regional transaction refers to the local part of the local transaction and the mixed transaction. Dedicated local institutions for local and hybrid transactions for clearing.

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

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

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

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

In order to ensure the smooth forwarding of documents to be cleared or transaction documents between the parent regional exchange center, the 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 the member institutions in the region respectively.

For the regional exchange parent center, regional exchange sub-center and member institutions, it is only necessary to reconfigure the IP addresses for file sending and receiving to establish a file sending and receiving channel with the multi-center file forwarding system. For a multi-center file forwarding system, it is only necessary to pre-configure the IP addresses of the regional exchange sub-center, the regional exchange parent center and the member institutions in the region, and then the files for the regional exchange sub-center, the regional exchange parent center and the member institutions in the region can be established respectively. Transceiver channel.

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

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

That is, the file name of the exclusive clearing file for local transactions is pre-configured as the file name of the clearing file exclusive to local transactions, the file name of the exclusive clearing file for cross-regional transactions is pre-configured as the file name of the exclusive clearing file for cross-region transactions, and the file name of the exclusive clearing file for mixed transactions is pre-configured. The name is preconfigured to be the clearing file filename specific to the mixed transaction. In this way, when the file forwarding system receives the clearing file issued by the regional exchange parent center or 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 clearing file. .

For example, for the same mixed transaction, the file names of the settlement files issued by the regional exchange parent center and the regional exchange sub-center are: IFD******01ACOM. For a local transaction, the file name of the settlement file issued by the regional exchange sub-center is TIFD******01ACOM. For a cross-regional transaction, the file name of the clearing file issued by the regional exchange parent center is @@@@@@@@.tar.Z. Generally speaking, the file name of the clearing file dedicated to cross-regional transactions is based on the overseas institution. Customized for cross-regional needs. The above file names are just simple examples.

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 issued to the member institutions are stored in different directories.

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

When the sender is a regional exchange sub-center, if it is determined that the file attribute is an exclusive clearing file for mixed transactions, the to-be-forwarded clearing file is marked as a to-be-merged clearing file from the regional exchange sub-center; The file to be merged and cleared with the same file name from the parent center of the regional exchange; if it exists, the found files to be merged and cleared will be merged, and the merged clearing file will be sent to the receiver.

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

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

If it exists, merge the found clearing documents to be merged, and send the merged clearing documents to the receiver.

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

The following describes the forwarding logic of the multi-center file forwarding system to the clearing files issued by the regional exchange sub-center and the regional exchange parent center to the member institutions in the region in conjunction with the flowchart shown in FIG. 3, as follows:

Step 301: Receive a new clearing file to be forwarded, and the clearing file to be forwarded 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 clearing file to be forwarded is the regional exchange sub-center or the regional exchange parent center.

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

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

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

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

If not, it is an exclusive settlement file for mixed transactions within the region, and step 306 is executed.

Step 305, according to the identification information of the receiver, directly forward the to-be-forwarded clearing document to the receiver, in this case, the receiver is a local institution in the area.

Step 306: Mark the clearing document to be forwarded as the clearing document to be merged from the regional exchange sub-center, and check the file name of each clearing document to be merged one by one according to the file name of the clearing document to be forwarded, and go to step 307 ,

In step 307, it is judged whether there is a file to be merged and cleared from the regional exchange parent center with the same file name. If it exists, go to step 311.

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

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

If not, it is an exclusive settlement file for mixed transactions within the region, and step 309 is executed.

Step 308, according to the identification information of the receiver, directly forward the to-be-forwarded clearing document to the receiver, in this case, the receiver is an overseas institution in the region.

Step 309: Mark the clearing document to be forwarded as the clearing document to be merged from the regional exchange parent center, and check the file name of each clearing document to be merged one by one according to the file name of the clearing document to be forwarded, and go to step 310 ;

In step 310, it is judged whether there is a file to be merged and cleared from the regional exchange sub-center with the same file name. If it exists, go to step 311.

Step 311 , merge the files to be merged and cleared from the regional exchange sub-center with the same file names and the files to be merged and cleared from the regional exchange parent center, and the file names of the merged clearing files are the same as the file names before the merger. Then go to step 312;

Step 312 , according to the identification information of the receiver, forward the merged clearing document to the receiver, at this time, the receiver 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 from the regional exchange parent center or the regional exchange sub-center to the member institutions in the region.

In addition to issuing clearing documents, the multi-center file forwarding system can also upload transaction files 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 difficulty or even inability of institutions to distinguish whether the 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 regional exchange sub-center, as shown in Figure 4, including:

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

Step 402, obtain and record the bank card identifier in each transaction record;

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

In step 404, the local transaction file is sent to the regional exchange sub-center, and the cross-regional transaction file is sent to the regional exchange parent center.

Wherein, step 403 specifically includes: for any transaction record, finding out whether the bank card identifier of the transaction record exists in the local bank card identifier database; if so, writing the transaction record into the local transaction file; if not, writing the transaction record into the local transaction file; Write the transaction record into the cross-region transaction file.

Wherein, the bank card identifier recorded in the transaction record is the bank card BIN of the card issuer in both parties to the transaction. 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 accessing 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 regional exchange sub-center and the regional exchange parent center by the multi-center file forwarding system. 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 the cross-regional transaction file. In order to avoid file replacement, the transaction files to be forwarded before the split, the local transaction files and the cross-region transaction files after the split are stored in different directories respectively.

The following describes the forwarding logic of the multi-center file forwarding system to the transaction files uploaded by the local organization to the regional exchange sub-center or the regional exchange parent center in conjunction with the flowchart shown in FIG. 5 , as follows:

Step 501: Receive a transaction file to be forwarded, the transaction file to be forwarded includes multiple transaction records, and the transactions in the transaction records can be any two or three of local transactions, cross-region transactions, and hybrid transactions. The transaction file to be forwarded carries the identification information of the sender, such as the sender's IP information, 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, and perform step 503 after each split, wherein, when analyzing each transaction record, perform 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 regional exchange sub-center, then go to step 505; if there is no card BIN corresponding to the record in the regional exchange sub-center, go to step 506;

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

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

In step 503, it is judged whether the analysis and splitting of all transaction records are completed, if yes, go to 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-regional transaction file to the regional exchange parent center.

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

Through the above method and process, a unified functional interface can be provided for the multi-center and member institutions in the system architecture without modification of the member institutions, the regional exchange sub-center and the regional exchange parent center, and the multi-center clearing documents can be sent and received. Unified encapsulation, so that all transaction files 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 files 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 of the regional exchange sub-centers in the network), thereby speeding up the construction of new regional exchange sub-centers and speeding up the process of business migration of overseas institutions.

Based on the above method flow, an embodiment of the present invention provides a multi-center file forwarding apparatus, 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 apparatus 600, including:

A receiving unit 601, configured to receive a clearing document to be forwarded;

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

When the sender is a regional exchange sub-center, determine whether the file attribute is an exclusive clearing file for local transactions, 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, it is determined whether the file attribute is an exclusive clearing file for cross-regional transactions, and if so, the sending unit 603 sends the clearing file to be forwarded to the receiver.

Optionally, the file attributes are pre-configured as an exclusive clearing file for local transactions, an exclusive clearing file for cross-regional transactions, and an exclusive clearing file for mixed transactions;

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

Among them, the file names are pre-configured as the clearing file file name for local transactions, the clearing file file name for cross-regional transactions, and the clearing file file name for hybrid transactions. .

Optionally, the processing unit 602 is further configured to:

When the sender is a regional exchange sub-center, if it is determined that the file attribute is an exclusive clearing file for mixed transactions, the to-be-forwarded clearing file is marked as a to-be-merged clearing file from the regional exchange sub-center; or,

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

Further, after marking the clearing document to be forwarded as the clearing document to be merged from the regional exchange sub-center, or marking the clearing document to be forwarded as the clearing document to be merged from the regional exchange parent center, the processing unit is further used for:

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

If it exists, the found clearing files to be combined are combined, and the combined clearing files are sent to the receiver through the sending unit 603 .

Optionally, the receiving unit 601 is further configured to receive transaction files to be forwarded including multiple transaction records;

The processing unit 602 is also used to obtain the bank card identifier recorded in each transaction record; split the transaction file to be forwarded into a local transaction file and a cross-regional transaction file according to the bank card identifiers recorded respectively in the 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 used for:

For any transaction record, find out whether the bank card identifier of the transaction record exists in the local bank card identifier 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.

The above-mentioned multi-center file forwarding device 600 can provide a unified functional interface for the multi-center and member organizations in the system architecture without modifying the member institutions, the regional exchange sub-center and the regional exchange parent center, and can realize the multi-center The unified encapsulation of clearing file sending and receiving, so that all transaction files occurring in the region can be accurately sent to the corresponding regional exchange sub-center or regional exchange parent center, so that the settlement files issued by the regional exchange sub-center or regional exchange parent center can be It is smoothly forwarded to the corresponding member institutions (including local institutions and overseas institutions in the regional exchange sub-centers in the network), thereby accelerating the construction of new regional exchange sub-centers and accelerating the process of business migration of overseas institutions.

Based on the above multi-center file forwarding device, the 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 FIG. As shown in FIG. 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. The file receiving function module is equivalent to the receiving unit 601 in the above embodiment, the file splitting function module and the file merging function module are equivalent to the processing unit 602 in the above embodiment, and the file sending function module is equivalent to the sending unit in the above embodiment. unit 603. The functions of the 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 handed over to the file splitting module for processing; 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 forwarded to the file sending module.

The file splitting function module mainly splits the files from local institutions, and forwards 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 file merging function module mainly merges the mixed clearing files from the regional exchange sub-center or the regional exchange parent center, and forwards the combined mixed clearing file to the file sending module to the member institutions in the region, including local local institutions in the region. Institutions and overseas institutions in the region.

The file sending module mainly sends the file directly to the domain exchange sub-center or the regional exchange parent center and member institutions in the region 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 the multi-center and member institutions in the system architecture without the need to transform the member institutions, regional exchange sub-centers and regional exchange parent centers, and multi-center clearing can be realized. The unified encapsulation of file sending and receiving enables all transaction files in the region to be accurately sent to the corresponding regional exchange sub-center or regional exchange parent center, so that the clearing files issued by the regional exchange sub-center or regional exchange parent center can be smoothly forwarded to the corresponding member institutions (including local institutions and overseas institutions of the regional exchange sub-centers in the network), thereby speeding up the construction of new regional exchange sub-centers and accelerating 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 will be understood that each flow and/or block in the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to the processor of a general purpose computer, special purpose computer, embedded processor or other programmable data processing device to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing device produce Means for implementing the functions specified in a flow or flow of a flowchart and/or a block or blocks of a 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 function in a particular manner, such that the instructions stored in the computer-readable memory result in an article of manufacture comprising instruction means, the instructions The apparatus implements the functions specified in the flow or flow of the flowcharts and/or the block or blocks of the block diagrams.

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

Although preferred embodiments of the present invention have been described, additional changes and modifications to these embodiments may occur to those skilled in the art once the basic inventive concepts are known. Therefore, the appended claims are intended to be construed to include the preferred embodiment and all changes and modifications that fall within the scope of the present invention.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit and scope of the invention. Thus, provided that these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include these modifications and variations.

Claims (8)

1. a multi-center file forwarding processing method, is characterized in that, is applicable to the system that comprises multi-center file forwarding system, sender, receiver; Described method is carried out by described multi-center file forwarding system; Described method comprises: Receive clearing documents to be forwarded; obtaining the sender, receiver and file attributes of the clearing document to be forwarded; When the sender is a regional exchange sub-center, determine whether the file attribute is an exclusive clearing file for local transactions, and if so, send the to-be-forwarded clearing file to the receiver; the receiver is a local local transaction in the region Institutions or overseas institutions in the region; When the sender is the regional exchange parent center, determine whether the file attribute is an exclusive clearing file for cross-regional transactions, and if so, send the to-be-forwarded clearing file to the receiver; overseas institutions; When the sender is a regional exchange sub-center, if it is determined that the file attribute is an exclusive clearing file for mixed transactions, the to-be-forwarded clearing file is marked as a to-be-merged clearing file from the regional exchange sub-center; When the sender is the regional exchange parent center, if it is determined that the file attribute is an exclusive clearing file for mixed transactions, the clearing file to be forwarded is marked as the clearing file to be merged from the regional exchange parent center; Exchange the files to be merged and cleared with the same file name from the regional exchange parent center; if there is, merge the found files to be merged and cleared, and send the merged clearing file to the receiver. 2. The method according to claim 1, wherein the file attributes are preconfigured as an exclusive clearing file for local transactions, an exclusive clearing file for cross-regional transactions, and an exclusive clearing file for mixed transactions; Obtain the file attributes of the clearing file to be forwarded, including: obtaining the file name of the clearing document to be forwarded; The file attribute is determined according to the file name, wherein the file name is preconfigured as a clearing file file name exclusive to local transactions, a clearing file file name exclusive to cross-regional transactions and a clearing file file name exclusive to mixed transactions, the A hybrid transaction refers to a transaction in which the two parties to the transaction are a local institution and an overseas institution. 3. The method of claim 1 or 2, wherein the method further comprises: 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-regional transaction file according to the bank card identifiers recorded respectively in the plurality of transaction records; and The local transaction file is sent to the regional exchange sub-center, and the cross-regional transaction file is sent to the regional exchange parent center. 4. The method of claim 3, wherein, according to the bank card identifiers recorded respectively in the multiple transaction records, the transaction file to be forwarded is split into a local transaction file and a cross-regional transaction file, comprising: For any transaction record, find out whether the bank card identifier of the transaction record exists in the local bank card identifier 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. 5. A multi-center file forwarding processing device, characterized in that it is applicable to a system comprising a multi-center file forwarding system, a sender, and a receiver; the device is the multi-center file forwarding system; the device comprises: a receiving unit, configured to receive the clearing document to be forwarded; a processing unit, configured to acquire the sender, receiver and file attributes of the clearing document to be forwarded; When the sender is a regional exchange sub-center, determine whether the file attribute is an exclusive clearing file for local transactions, and if so, send the to-be-forwarded clearing file to the receiver through the sending unit; the receiver is a regional local institutions in the region or overseas institutions in the region; When the sender is the regional exchange parent center, determine whether the file attribute is an exclusive clearing file for cross-regional transactions, and if so, send the to-be-forwarded clearing file to the receiver through the sending unit; the receiver is overseas institutions in the region; The processing unit is further configured to: when the sender is a regional exchange sub-center, if it is determined that the file attribute is an exclusive clearing file for mixed transactions, mark the clearing file to be forwarded as a pending clearing file from the regional exchange sub-center. Merge clearing documents; or, when the sender is the regional exchange parent center, if it is determined that the file attribute is an exclusive clearing file for mixed transactions, the to-be-forwarded clearing file is marked as the to-be-merged clearing document from the regional exchange parent center document; The processing unit is also used to: find out whether there are files to be merged and cleared with the same file name from the regional exchange sub-center and from the regional exchange parent center; The sending unit sends the merged clearing document to the receiver. 6. The apparatus according to claim 5, wherein the file attributes are preconfigured as an exclusive clearing file for local transactions, an exclusive clearing file for cross-regional transactions, and an exclusive clearing file for mixed transactions; The processing unit is configured to: obtain the file name of the clearing file to be forwarded, and determine the file attribute according to the file name; Wherein, the file name is preconfigured as a clearing file file name exclusive to local transactions, a clearing file file name exclusive to cross-regional transactions, and a clearing file file name exclusive to mixed transactions, where the mixed transaction means that the two parties to the transaction are the local institution and the Transactions with overseas institutions. 7. The apparatus of claim 5 or 6, wherein the apparatus further comprises: The receiving unit is further configured to receive a transaction file to be forwarded including a plurality of transaction records; The processing unit is also used to obtain the bank card identifier recorded in each transaction record; according to the bank card identifiers recorded respectively in the multiple transaction records, the transaction file to be forwarded is split into a local transaction file and a cross-border transaction file. and send the local transaction file to the regional exchange sub-center through the sending unit, and send the cross-regional transaction file to the regional exchange parent center through the sending unit. 8. The apparatus according to claim 7, wherein the processing unit is specifically configured to: For any transaction record, find out whether the bank card identifier of the transaction record exists in the local bank card identifier 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.

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