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    • 9. 发明申请
    • 一种当日到账的交易数据处理方法及系统
    • WO2009039768A1
    • 2009-04-02
    • PCT/CN2008/072398
    • 2008-09-18
    • 中国银联股份有限公司李洁
    • 李洁
    • G06Q40/00G06F11/00
    • G06Q40/02
    • A transaction data processing method for accounting received on the same day and a system thereof are disclosed, The said method and system can resolve the problem of receiving time delay in entering an item in an account process. In the said method, a business process of "on-line account verification + depositing by batch" is used, which includes the following steps: A counter service (or a self-service terminal) adds a procedure of account verification before receiving money, and receives the money after the success of the account verification. Deposit transactions are sent to background system in a way of batch file on the same day, in which validity of the batch transaction data is checked by an intermediate system before the data are transmitted to background system. As a result, the receiving time delay caused by communications failure in the on-line environment or by errors of file format, can be avoided. When communications failure occurs, the file can be re-transmitted, and when the file format is wrong, the file can be re-transmitted after modified, so as to guarantee the received money can be deposited to the bank card account on the same day. Moreover, the process of batch transmitting deposits is relatively simple, and it avoids a variety of possible irregularities of the on-line course.