Note: Descriptions are shown in the official language in which they were submitted.
INTERBANK CLEARING METHOD AND SYSTEM
[1] [Technical Field]
[2] The present invention relates to the field of computer technology, and
in particular, to an
inter-bank settlement method and system.
[3] [Background Technology]
[4] With the development of E-commerce, many emerging internet payment
methods have
also appeared and provide the convenience and security of online payment.
Payment
through an electronic certificate is one of the ways of effecting internet
payment
methods. The bank that usually pays the bank and the recipient of the
electronic
certificate is not necessarily the same bank as the bank that issued the
electronic
certificate. When different banks directly pay for a single electronic
certificate in real
time, they will incur handling charges. If they pay in real time for a large
number of
electronic certificates, they will incur huge fees. The question of how to
overcome the
foregoing payment problem in the context of paying a large number of
electronic
certificates on an interbank basis has become a technical problem which
urgently needs
to be solved.
[5] [Summary of the Invention]
[6] Based on this, it is necessary to provide a cross-bank clearing method
and system that
can effectively save resources in cross-bank payment in respect of electronic
certificates.
[7] An inter-bank settlement method, the method including the below steps:
[8] Acquiring data of a plurality of electronic certificates to be cleared
within a first preset
time, the data including first data and second data, the first data
corresponding to a first
bank server, and the second data corresponding to second bank server.
[9] A clearing server using the first data and the second data to generate
a reconciliation
document, the reconciliation document including a total amount of settlement.
[10] The reconciliation document is delivered to the first bank server and
the second bank
server, so that the first bank server and the second bank server respectively
confirm the
reconciliation document and return the confirmation information.
[11] After receiving the confirmation information, the clearing server
generating a clearing
message to inform the first bank server of the clearing by using the
reconciliation
1
Date Recue/Date Received 2021-06-07
document.
[12] The clearing message is delivered to the first bank server, so that
the first bank server
transfers the total settlement amount to the second bank server according to
the
settlement message.
[13] An inter-bank settlement method applied to a first bank server, the
method including:
[14] The first data of the first electronic certificate is delivered in
real time to the clearing
server, so that after receiving the second data of the second electronic
certificate
delivered by the second bank server, according to the first data of the first
preset time,
the first data of the first certificate to be cleared and the second data of
the second
electronic certificate to be cleared to generate the reconciliation documents;
[15] Receiving the reconciliation document delivered by the clearing
server, including the
total amount of settlement in the account statement;
[16] Judging whether the reconciliation document is consistent with the pre-
stored second
data of the second electronic certificate to be cleared within the first
preset time and the
first data of the first electronic certificate to be cleared;
[17] If yes, return confirmation information to the clearing server, so
that the clearing server
generates clearing information by using the reconciliation document after
receiving the
confirmation information;
[18] Receive the clearing information delivered by the clearing server;
[19] The total settlement amount is transferred to the second bank server
according to the
settlement information.
[20] The present disclosure includes an inter-bank settlement method
applied to a second
bank server, the method including the below steps.
[21] Delivering the second data of the second electronic certificate to the
clearing server in
real time, so that after receiving the first data of the first electronic
certificate delivered
by the first bank server, the clearing server determines, according to the
first data of the
first preset time, the first data of the first certificate to be cleared and
the second data of
the second electronic certificate to be cleared to generate the reconciliation
documents.
[22] Receiving the reconciliation document delivered by the clearing
server, including the
total amount of settlement in the account statement.
[23] Judging whether the reconciliation document is consistent with the pre-
stored first data
2
Date Recue/Date Received 2021-06-07
of the first electronic certificate to be cleared within the first preset time
and the second
data of the second electronic certificate to be cleared.
[24] If yes, return confirmation information to the clearing server, so
that the clearing server
generates clearing information by using the reconciliation document after
receiving the
confirmation information.
[25] Receive the clearing information delivered by the clearing server.
[26] Receive the total settlement amount transferred by the first bank
server according to the
settlement message.
[27] The received total amount of the clearing is transferred to a second
business clearing
account, and the second business clearing account is utilized to separately
transfer the
amounts corresponding to the plurality of first electronic certificates to the
corresponding business documents according to the reconciliation documents in
the
account.
[28] The present disclosure includes an inter-bank clearing system, the
system including a
first bank server, a second bank server, and a settlement server.
[29] The first bank server is used to deliver the first data of the first
electronic certificate to
the clearing server in real time.
[30] The second bank server is used to deliver the second data of the
second electronic
certificate to the clearing server in real time.
[31] The settlement server is used to receive the first data and the second
data, and according
to the first data of the first preset time, the first data of the first
certificate and the second
data of the second electronic certificate to be cleared to generate the
reconciliation
document, where the reconciliation document includes a total settlement
amount, and
separately delivers the reconciliation document to the first bank server and
the second
bank server.
[32] The first bank server is also used to confirm the reconciliation
document and return first
confirmation information to the settlement server.
[33] The second bank server is also used to confirm the reconciliation
document and return
second confirmation information to the settlement server.
[34] The settlement server is also used to: after receiving the first
confirmation information
and the second confirmation information, generate a settlement message by
using the
3
Date Recue/Date Received 2021-06-07
reconciliation document, and deliver the settlement message to a first bank
server and a
second bank server.
[35] The first bank server is also used to transfer the total settlement
amount to the second
bank server according to the clearing information.
[36] The present disclosure includes an inter-bank clearing server, the
server including a
processor and a non-volatile storage medium, where instructions are stored
therein, and
when executed by the processor, the non-volatile storage medium may enable the
processor to perform the steps described below.
[37] Acquiring data of multiple clearing electronic certificate in the
first preset time, the data
including first data and second data, the first data corresponding to a first
bank server,
and the second data corresponding to a second bank server.
[38] Using the first data and the second data to generate a reconciliation
document, the
reconciliation document including a total amount of settlement;
[39] The reconciliation document is delivered to the first bank server and
the second bank
server, so that the first bank server and the second bank server respectively
confirm the
reconciliation document and return confirmation information.
[40] After receiving the confirmation information, generating a clearing
message by using
the reconciliation document.
[41] The clearing information is delivered to the first bank server, so
that the first bank server
transfers the total settlement amount to the second bank server according to
the clearing
message.
[42] A non-transitory computer storage medium including computer-executable
instructions
for performing an inter-bank settlement method, the method comprising the
below steps.
[43] Acquiring data of multiple clearing electronic certificates in the
first preset time, the
data including first data and second data, the first data corresponding to a
first bank
server, and the second data corresponding to second bank server.
[44] Using the first data and the second data to generate the
reconciliation document, the
reconciliation document including a total amount of settlement.
[45] The reconciliation document is delivered to the first bank server and
the second bank
server, so that the first bank server and the second bank server respectively
confirm the
reconciliation document and return confirmation information.
4
Date Recue/Date Received 2021-06-07
[46] After receiving the confirmation information, generating a clearing
message by using
the reconciliation document.
[47] The clearing information is delivered to the first bank server, so
that the first bank server
transfers the total settlement amount to the second bank server according to
the
settlement message.
[48] In the above-mentioned inter-bank settlement method, system, server
and medium, since
the electronic certificate is to be cleared within the first preset time, the
first data of the
electronic certificate of the first bank server is used to communicate with
the second
bank server's electronic certificate. The second data generates a
reconciliation
document, and the reconciliation document includes the total clearing amount
of the
electronic certificate that the first bank server needs to transfer to the
second bank
server. After the first bank server and the second bank server respectively
return
confirmation information according to the reconciliation document, clearing
information
is generated according to the reconciliation document, so that after receiving
the
clearing information, the first bank server can, according to the total
settlement amount,
pay to the second bank server. As a result, it is possible to carry out inter-
bank clearing
of batch electronic certificates in the first preset time, effectively saving
the inter-bank
payment fee, and overcoming the problem that a large number of single
electronic
certificates require a high commission in real-time interbank payment.
[49] [Brief Description of the Drawings]
[50] In order to specifically illustrate the examples of the invention or
the technical solutions
in the current technology, the following drawings, which are to be used in the
description of the examples of the current technology, will be briefly
described, and it
will be apparent that the following accompanying drawings are merely exemplary
of the
invention, which may be made by those of ordinary skill in the art in view of
the
accompanying drawings, and that drawings of other examples may be obtained
without
departing from the inventive work as herein disclosed.
[51] Figure 1 is a flowchart of an inter-bank settlement method in one
example.
[52] Figure 2 is a flowchart of an inter-bank settlement method in another
example.
[53] Figure 3 is a flowchart of an inter-bank settlement method in a third
example.
[54] Figure 4 is a structural diagram of an inter-bank clearing system in
an example.
Date Recue/Date Received 2021-06-07
[55] Figure 5 is a schematic structural diagram of an inter-bank clearing
server in another
example.
[56] [Description of the Preferred Examples]
[57] In one example, as shown in Figure 1, an inter-bank settlement method
is provided. It
should be understood that although the steps in the flowchart of Figure 1 are
sequentially displayed as indicated by the arrows, these steps are not
necessarily
sequentially performed in the order indicated by the arrows. Unless clearly
stated herein,
the execution of these steps is not strictly restrictive and may be performed
in another
order. Moreover, at least a portion of the steps in Figure 1 may include a
plurality of
sub-steps or stages that are not necessarily executed at the same time, but
may be
executed at different times, and the order of execution is not necessarily in
turn, but may
be carried out alternately or alternately with at least a portion of the steps
or stages of
the other steps or other steps. Taking the method applied to a clearing server
as an
example, the method specifically includes:
[58] Step 102: In the clearing server, acquiring data of multiple clearing
electronic
certificates in the first preset time, the data including first data and
second data, the first
data corresponding to a first bank server, and the second data corresponding
to second
bank server.
[59] The electronic certificate can be used for making payments as well as
receiving
payments. The frozen funds of the electronic certificate are unfrozen to make
a payment
when the settlement conditions are met. The status of the electronic
certificate includes
to-be-received, to-be-fulfilled, to-be-applied-to-release, to-be-released, to-
be-cleared, to-
be-credited, completed, and so on. Wherein, the to-be-cleared refers to the
issuance of
an electronic certificate by a bank (referred to as the issuing bank) that
transfers the
funds from the electronic certificate to a specific clearing account of the
issuing bank for
the electronic certificate business. The data of the electronic certificate
(i.e., the first
data and the second data) that the clearing server needs to call includes the
status of the
electronic certificate, the amount of funds, and the electronic certificate
number. In this
example, the electronic certificate whose status is to-be-cleared needs to be
sorted
according to the data of the electronic certificate.
6
Date Recue/Date Received 2021-06-07
[60] The first electronic certificate represents a type of electronic
certificates which is issued
by the first bank as a payment bank and received by the second bank as a
receiving
bank. The second electronic certificate represents a type of electronic
certificate which
is issued by the second bank as a payment bank and received by the first bank
as a
receiving bank. The first bank corresponds to the first bank server, and the
second bank
corresponds to the second bank server. The first data refers to the data of
the first
electronic certificate processed by the first bank server. The second data
refers to the
data of the second electronic certificate processed by the second bank server.
When the
first bank server actively updates the first data corresponding to the first
electronic
certificate, the first bank server also delivers the updated first data to the
clearing server
and the second bank server in real time, to enable the first data of the first
electronic
certificate to be stored at the same time on the first bank server and the
second bank
server. When the second bank server actively updates the second data
corresponding to
the second electronic certificate, the second bank server also delivers the
updated
second data to the clearing server and the first bank server in real time, to
enable the
second data of the second electronic certificate to be stored on the first
bank server and
the second bank server at the same time.
[61] Step 104: Use the first data and the second data to generate a
reconciliation document,
including the total amount of the settlement and the number of the clearing
electronic
certificate.
[62] The first bank server transmits the first data of the plurality of
first electronic certificates
to the clearing server in real time. The second bank server transmits the
second data of
the second electronic certificates to the clearing server in real time. The
clearing server
collects the first data and the second data in the first preset time and
generates the
reconciliation document between the first bank server and the second bank
server
according to the processed result, including the settlement total amount, the
number of
electronic certificate to be cleared and so on.
[63] The first preset time may be one processing cycle of the bank
reconciliation clearing
process. For example, the bank conducts reconciliation and clearing in the day
of T (i.e.
the trading day). The day cut point is the last time on the T day and the next
T+1 day. If
the daily cut point is 16:00 each day, the electronic certificate settled
after 16:00 will be
7
Date Recue/Date Received 2021-06-07
processed in the next processing cycle. On June 30 16:00 will be on June 29
16:00 to
June 30 before 16:00 to be cleared of electronic certificate for centralized
clearing.
[64] A rolling difference refers to the transaction information of the
electronic certificate on
the day after the daily business terminates, according to the received
electronic
certificate transaction information, within a predefined number of days after
the end of
daily business. The amount of funds required to be cleared by each bank is
obtained,
adopting a clearing way of net rolling for the electronic certificate. That
is, in the
settlement of the electronic certificate, only the net amount of the accounts
receivable
and the accounts payable should be calculated after the clearing of each bank.
In other
words, each bank may have tens of thousands of electronic certificate
transactions to
pay and receive funds to and from, but the bank does not need to be paid
immediately
with respect to each electronic certificate. It is only necessary to calculate
the total
difference between the cleared electronic certificate in the first preset
period and the
sum of the total balance of the payment by the paying bank. For example, the
total
amount of the first bank server to be transferred to the second bank server is
8 million
Yuan, the total amount of the second bank server to be transferred to the
first bank
server is 5 million Yuan, the first bank server transfers 3 million RMB to the
second
bank server by the way of net clearing. By net clearing, this method
effectively reduces
the transmission of data, and improves the speed of interbank clearing.
[65] Further, in addition to the net clearing of the bilateral (First Bank
Server and Second
Bank Server) clearing, a multilateral netting gap clearing can also be
conducted. That is,
a net balance between multiple bank servers clearing clearance. For example,
the total
amount of the first bank server to be transferred to the second bank server is
10 million
Yuan, the total amount of the third bank server to be transferred to the first
bank server
is 5 million Yuan, and the second bank server needs to be transferred to the
first bank,
and the total amount of the server is 8 million Yuan. Through multilateral
netting
clearing, only the first bank server transfer 5 million Yuan to the second
bank server, and
the second bank server transfer 3 million Yuan to the third bank server.
[66] Step 106: the reconciliation document is delivered to the first bank
server and the
second bank server, so that the first bank server and the second bank server
respectively
confirm the reconciliation document and return confirmation information.
8
Date Recue/Date Received 2021-06-07
[67] The clearing server delivers the reconciliation document to the first
bank server and the
second bank server. The first bank server and the second bank server
respectively
confirm the reconciliation document, the first bank server returns the first
confirmation
information to the clearing server after confirming the reconciliation
document, and the
second bank server returns the second confirmation information to the clearing
server
after confirming the reconciliation document.
[68] Step 108: After receiving the confirmation information, generating
clearing information
by using the reconciliation document.
[69] The first bank server may return the first confirmation information to
the clearing server
in the form of a confirmation receipt. The second bank server may return the
second
confirmation information to the clearing server in the form of a confirmation
receipt.
After the clearing server receives the first confirmation information and the
second
confirmation information, it indicates that the reconciliation document
between the first
bank server and the second bank server is accurate. The reconciliation
document is used
to generate clearing information according to a preset packet exchange
standard. The
clearing information includes the total amount of clearing, the number of the
electronic
certificate to be cleared, and so on.
[70] Step 110: Deliver clearing information to the first bank server, so
that the first bank
server transfers the total settlement amount to the second bank server
according to the
clearing information.
[71] The clearing server delivers the clearing information to the first
bank server and the
second bank server, respectively, due to the net settlement difference between
the first
bank server and the second bank server. After receiving the clearing
information, the
first bank server transfers the total settlement amount in the reconciliation
document to
the second bank server according to the clearing information. This completed
the inter-
bank clearing of volume electronic certificate. The first bank server and the
second bank
server are relative, and it may be the case that the first bank server
transfers the total
amount of the clearing to the second bank server, or may be that the second
bank server
transfers the total amount of the clearing to the first bank server.
[72] Further, the reconciliation document also includes the number of the
electronic
certificate to be cleared. After the first bank server transfers the total
amount of the
9
Date Recue/Date Received 2021-06-07
clearing to the second bank server according to the clearing information, the
second
bank server first transfers the received total amount of the clearing into the
second bank
for clearing services on the second bank server. And then according to the
reconciliation
document, the amount corresponding to each first electronic certificate is
respectively
transferred to the receiving account of each first electronic certificate.
Since the first
bank server and the second bank server implement the inter-bank clearing
through the
net rolling difference, therefore, the total amount of clearing of the first
bank server
transferred to the second bank server is likely to be less than that of the
second bank.
The total amount of the first electronic certificate of the second bank
servers should be
allocated the total amount. The difference between the total clearing amount
and the
total amount to be allocated by the second bank will be supplemented by the
amount in
the second business clearing account, using the reconciliation document to
assign the
amount corresponding to each first electronic certificate to the corresponding
receiving
account. This further improves the accuracy of interbank settlement.
[73] In this example, since the electronic certificate is to be cleared
within a first preset time,
the first data of the electronic certificate of the first bank server are used
to generate the
reconciliation document with the second data of the electronic certificate of
the second
bank server. The reconciliation document includes the total clearing amount of
the
electronic certificate that the first bank server needs to transfer to the
second bank
server. After the first bank server and the second bank server respectively
return
confirmation information according to the reconciliation document, the
clearing
information is generated according to the reconciliation document, which
enables the
first bank server to pay the second bank server in accordance with the total
amount of
clearing in the reconciliation documents after receiving the clearing
information. As a
result, it is possible to carry out inter-bank clearing of batch electronic
certificates in the
first preset time, effectively saving the inter-bank payment fee, and
overcoming the
problem that a large number of single electronic certificates require a high
commission
in real-time interbank payment.
[74] In an example, before the step of obtaining the data of the plurality
of electronic
certificates to be cleared in the first preset time period, the method further
includes:
receiving the data of multiple electronic certificate issued by the first bank
server and
Date Recue/Date Received 2021-06-07
the second bank server in real time; parsing the data to obtain the parsed
data, the parsed
data including the state of the electronic certificate, the state of the
electronic certificate
including to be cleared; the state of screening is the electronic certificate
to be cleared,
and the electronic certificate to be cleared is obtained.
[75] In this example, the first bank server delivers the first data of the
plurality of first
electronic certificates to the clearing server in real time, and the second
bank server
delivers the second data of the plurality of second electronic certificates to
the clearing
server in real time. The first and second data are respectively encrypted.
Specifically,
RSA (an encryption algorithm) can be used for encryption. After receiving the
first data
and the second data, the clearing server correspondingly decrypts the first
data and the
second data by using the RSA algorithm. The parsed data includes the state of
the
electronic certificate, including to-be-received, to-be-fulfilled, to-be-
applied-to-release,
to-be-released, to-be-cleared, and so on. To-be-cleared is set as a keyword to
sort all
electronic certificates whose status is to-be-cleared. As a result, these to-
be-cleared
electronic certificates are ready to be processed by the clearing servers for
interbank
liquidation.
[76] Further, the reconciliation documents and clearing information
generated by the clearing
server are also encrypted. The first bank server and the second bank server
need to
decrypt the reconciliation document after receiving the reconciliation
document for
confirmation. After receiving the clearing information, the first bank server
and the
second bank server need to decrypt the clearing information to perform the
inter-bank
settlement according to the total clearing amount in the reconciliation
document.
Through the first and second data, check the document and clearing of
information in
clearing between the server and the first bank, the second bank server to
interact to
encrypt the data and document, thereby improving the security of the interbank
clearing.
[77] In an example, after the step of delivering the reconciliation
document to the first bank
server and the second bank server, the method further includes: if the
electronic
certificate to be cleared in the first preset time of the first bank server is
not consistent
with the reconciliation document, receive first error information delivered by
the first
bank server; and / or if the number of electronic certificate of the first
bank server to be
cleared in the first preset period on the second bank server is not consistent
with the
11
Date Recue/Date Received 2021-06-07
reconciliation document, the second error information delivered by the second
bank
server is received; the first error information and / or the second error
information is
adjusted, and the process of delivering the reconciliation document to the
first bank
server and the second bank server is performed again; enable the first bank
server and
the second bank server to confirm the reconciliation document and return the
confirmation information.
[78] In this example, when the first bank server actively updates the first
data corresponding
to the first electronic certificate, the first bank server also delivers the
first data to the
clearing server and the second bank server in real time. The first data of the
first
electronic certificate can be stored at the same time in the first bank server
and the
second bank server. When the second bank server actively updates the second
data
corresponding to the second electronic certificate, the second bank server
also delivers
the second data to the clearing server and the first bank server in real time
So that the
second data of the second electronic certificate may be stored in the first
bank server
and the second bank server at the same time. After receiving the
reconciliation
document, comparing the account document with the first data and the second
data in
the first preset period on the first bank server, that is, compare the
reconciliation
document with the data of the clearing electronic certificate (first and
second data) in the
first preset time, and if the comparison is consistent, the first bank server
confirms the
reconciliation document and delivers the first confirmation information to the
clearing
server. If the comparison is inconsistent, the first bank server delivers the
first error
information to the clearing server. After receiving the reconciliation
document, the
second bank server compares the reconciliation document with the first data
and the
second data in the first preset time stored in the second bank server, and if
the alignment
matches, the second bank server delivers a second confirmation to the clearing
server
through confirmation of the reconciliation document. If the comparison is
inconsistent,
the second bank server delivers the second error information to the clearing
server.
[79] After receiving the first error information and / or the second error
information, the
clearing server will retrieve the details corresponding to the first data and
second data to
determine where the error is from and make adjustments by using a balancing
method
for the errors to ensure that the reconciliation data of the clearing server
is consistent
12
Date Recue/Date Received 2021-06-07
between the first bank server and the second bank server. The clearing server
generates
the adjusted reconciliation document to ensure that the data of interbank
settlement is
accurate.
[80] In an example, after the step of separately delivering the clearing
information to the first
bank server so that the first bank server transfers the total settlement
amount to the
second bank server according to the clearing information, the method further
including:
determining whether a notification of the total amount of the clearing that
has been
transferred by the first bank server is received within a second preset time
period; and if
not, delivering a reminder of the total amount of the transfer and settlement
to the first
bank server.
[81] In this example, after the first bank server transfers the total
amount of clearing to the
second bank server according to the clearing information, and the first bank
server
delivers the notification to the clearing server to complete the transfer of
the total
amount of clearing. After the clearing server receives the notification within
a second
preset time, the clearing server records the notification. If the clearing
server does not
receive the notification within the second preset time period, deliver the
reminder of the
total amount of transfer and settlement to the first bank server to ensure the
clearing of
electronic certificate on the first bank server and the second bank server,
and complete
interbank clearing in a timely manner.
[82] In one example, an inter-bank settlement method is provided as shown
in Figure 2, and
the method is applied to a first bank server as an example for description.
The method
specifically includes:
[83] Step 202: deliver the first data of the first electronic certificate
to the clearing server in
real time, so that the clearing server receives the second electronic data of
the second
electronic certificate delivered by the second bank server, according to the
first preset
time, the first data of the first electronic certificate and the second data
of the second
electronic certificate to be cleared to generate the reconciliation documents.
[84] Step 204: Receive a reconciliation document delivered by a clearing
server, where the
reconciliation document includes a total settlement amount.
[85] Step 206: Determine the second data of the second electronic
certificate to be cleared in
the account document and the first preset time of the pre storage, and whether
the first
13
Date Recue/Date Received 2021-06-07
data of the first electronic certificate to be cleared is consistent; if yes,
enter Step 208:
otherwise, deliver the first error information to the clearing server.
[86] Step 208: The confirmation information is returned to the clearing
server so that the
clearing server uses the reconciliation document to generate the clearing
information
after receiving the confirmation information.
[87] Step 210: Receive a clearing information delivered by the clearing
server.
[88] Step 212: Transfer the total settlement amount to the second bank
server according to
the clearing information.
[89] In this example, the first bank server delivers the first data of the
first electronic
certificate to the clearing server in real time. The second bank server also
delivers the
second data of the second electronic certificate to the clearing server in
real time. The
first data and the second data are both encrypted data. After receiving the
first data and
the second data, the clearing server decrypts the first data and the second
data
respectively. Specifically, both the first data and the second data can be
encrypted by
using an RSA algorithm. After receiving the first data and the second data,
the clearing
server uses the RSA algorithm to decrypt the data. By analysing the first data
and the
second data for encryption and decryption, the security of interbank
settlement is
improved. The parsed data includes the state of the electronic certificate,
including to-
be-received, to-be-fulfilled, to-be-applied-to-release, to-be-released, to-be-
cleared and
so on. The to-be-cleared is set as a keyword to sort all electronic
certificates whose
status is to-be-cleared. As a result, these to-be-cleared electronic
certificates are ready to
be processed by the clearing servers for interbank liquidation. The clearing
server
separately calls the first data corresponding to the to-be-cleared first
electronic
certificate within a first preset time period and the second data
corresponding to the to-
be-cleared second electronic certificate within the first preset time period,
to summarize
the first data and the second data respectively and process settlement
netting. The
clearing server generates the reconciliation document between the first and
second bank
servers according to the results of the settlement netting. [90]Adopt a
clearing way of
net rolling of electronic certificate. That is, in the settlement of
electronic certificate,
only the net amount of the accounts receivable and the accounts payable should
be
calculated after the clearing of each bank. In other words, each bank may have
tens of
14
Date Recue/Date Received 2021-06-07
thousands of electronic certificate transactions that it needs to pay and for
which it
should receive funds, but the bank does not need to be paid immediately with
respect to
each electronic certificate. It is only necessary to calculate the total
difference between
the cleared electronic certificate in the first preset period and the sum of
the total
balance of the payment by the difference bank. Inter-bank clearing between two
banks
can be realized through the net clearing between the first bank server and the
second
bank server, that is, bilateral net gap clearing. Inter-bank clearing between
multiple
banks can be achieved by clearing the net of the difference between multiple
bank
servers. By netting clearing, effectively reduce the transmission of data,
improve the
speed of interbank clearing.
[91] The clearing server delivers the reconciliation documents to the first
bank server and the
second bank server. The first bank server and the second bank server
respectively
confirm the reconciliation document, the first bank server returns the first
confirmation
information after passing the confirmation, and the second bank server returns
the
second confirmation information after passing the confirmation. Specifically,
the first
bank server compares the reconciliation document with the pre-stored second
data of the
second electronic certificate to be cleared within the first preset time and
the first data of
the first electronic certificate to be cleared, and determines whether the
data are
consistent. If they are consistent, the first bank server returns the first
confirmation
information to the clearing server. Otherwise, the first bank server delivers
the first error
information to the clearing server. The second bank server compares the
reconciliation
document with the pre-stored first data of the first electronic certificate to
be cleared by
the first bank server in the first preset time to determine whether the data
of the two
accounts match each other. If consistent, the second bank server returns the
second
confirmation information to the clearing server. Otherwise, the second bank
server
delivers the second error information to the clearing server.
[92] In one of the examples, after the step of determining whether the
reconciliation
document is consistent with both the pre-stored second data of the to-be-
cleared second
electronic certificate and the pre-stored first data of the to-be-cleared
first electronic
certificate within the first preset time, the method also includes: if not
consistent,
delivering the first error information to the clearing server, to enable the
clearing server
Date Recue/Date Received 2021-06-07
to make adjustments according to the first error information and generate an
adjusted
reconciliation document; executing the step of receiving the clearing message
delivered
by the clearing server again.
[93] After receiving the first error information and / or the second error
information, the
clearing server will retrieve the details corresponding to the first data and
second data to
figure out where the error is from and make adjustments by using a balancing
method
for the errors to ensure that the reconciliation data of the clearing server
is consistent
between the first bank server and the second bank server. The clearing server
generates
the adjusted reconciliation document to ensure that the data of interbank
settlement is
accurate.
[94] After receiving the first confirmation information and the second
confirmation
information, the clearing server generates clearing information by using the
reconciliation document. After receiving the clearing information, the first
bank server
transfers the total settlement amount in the reconciliation document to the
second bank
server according to the clearing information. Therefore, the inter-bank
liquidation in
batches for electronic certificates can be completed.
[95] In this example, since the electronic certificate is to be cleared
within the first preset
time, the clearing server generates a reconciliation document using the first
data of the
first electronic certificate of the first bank server and the second data of
the second
electronic certificate of the second bank server, the reconciliation document
includes the
total clearing amount of the electronic certificate that the first bank server
needs to
transfer to the second bank server. After the first bank server and the second
bank server
respectively return confirmation information according to the reconciliation
document,
the clearing information is generated according to the reconciliation
document, which
enables the first bank server to pay the second bank server in accordance with
the total
amount of clearing in the reconciliation documents after receiving the
clearing
information. As a result, it is possible to carry out inter-bank clearing of
batch electronic
certificates in the first preset time, effectively saving the inter-bank
payment fee, and
overcoming the problem that a large number of single electronic certificates
require a
high commission in real-time interbank payment.
[96] In an example, the first bank server has preset the first service
clearing account, and
16
Date Recue/Date Received 2021-06-07
after the step of transferring the total amount of the clearing to the second
bank server
according to the clearing information, the method also includes: use the first
business
settlement account to transfer the amount of the second electronic certificate
to the
corresponding receiving account.
[97] In this example, the reconciliation document further includes the
serial number of the
electronic certificate to be cleared. Due to the adoption of a netting gap
settlement
method, the transfer between the first bank server and the second bank server
is only the
total amount of clearing. The first bank also needs to charge the received
funds into the
receiving account of the electronic certificate (i.e., the second electronic
certificate)
received by the bank according to the reconciliation documents. The first bank
server
pre-set the first business clearing accounts. Since the first bank pays the
difference, the
corresponding amount can be directly transferred to the corresponding
receiving account
according to the reconciliation document and the serial number of the second
electronic
certificate to be cleared from the first bank for special account settlement.
If there is no
second data of the second electronic certificate in the first preset time,
this step is
unnecessary. After the first bank server transfers the total amount of the
clearing to the
second bank server according to the clearing information, the second bank
server first
transfers the received total amount of the clearing into the second bank for
clearing
services on the second bank server. According to the reconciliation document
for
clearing the first electronic certificate number, the amount corresponding to
the first
electronic certificate to be cleared is respectively transferred to the
receiving account of
each first electronic certificate. Since the first bank server and the second
bank server
implement the inter-bank clearance through the net rolling difference, the
total amount
of the clearing of the first bank server transferred to the second bank server
is likely to
be less than that of the second bank server. The total amount of the first
electronic
certificate of the second bank servers should be allocated the total amount.
The
difference between the total clearing amount and the total amount to be
allocated by the
second bank server will be supplemented by the amount in the second business
clearing
account and then use the reconciliation document to assign the amount
corresponding to
each first electronic certificate to the corresponding receiving account. This
further
improves the accuracy of interbank settlement.
17
Date Recue/Date Received 2021-06-07
[98] In an example, as shown in Figure 3, an inter-bank settlement method
is provided,
which is applied to a second bank server as an example for description. The
method
specifically includes:
[99] Step 302: the clearing server delivers second data of a second
electronic certificate in
real time, so that after receiving first data of a first electronic
certificate delivered by the
first bank server, the clearing server determines, according to the first
preset time a
plurality of first data of first certificates to be cleared and second data of
second
electronic certificates to be cleared to generate a reconciliation document.
[100] Step 304: Receive the reconciliation document delivered by a clearing
server, where the
reconciliation document includes a total settlement amount.
[101] Step 306: Determine whether the reconciliation document is consistent
with the pre-
stored first data of the first electronic certificate to be cleared within a
first preset time
period and the second data of the second electronic certificate to be cleared;
if yes, enter
step 308, otherwise, deliver second error information.
[102] Step 308: The confirmation information is returned to the clearing
server so that the
clearing server uses the reconciliation document to generate the clearing
information
after receiving the confirmation information.
[103] Step 310: Receive the clearing information delivered by the clearing
server.
[104] Step 312: Receive the total settlement amount transferred by the first
bank server
according to the clearing information.
[105] Step 314: transfer the received total amount of liquidation to the
second specific
clearing account, and according to the reconciliation document, transfer
amounts of
funds of a plurality of first electronic certificates to the corresponding a
plurality of
receiving accounts respectively by using the second specific clearing account.
[106] In this example, the second bank server delivers the second data of the
second electronic
certificate to the clearing server in real time. The first bank server also
delivers the first
data of the first electronic certificate to the clearing server in real time.
The first data and
the second data are both encrypted data. After receiving the first data and
the second
data, the clearing server decrypts the first data and the second data
respectively.
Specifically, both the first data and the second data can be encrypted by
using an RSA
algorithm. After receiving the first data and the second data, the clearing
server uses the
18
Date Recue/Date Received 2021-06-07
RSA algorithm to decrypt the data. The first data and the second data are thus
parsed.
The parsed data includes the state of the electronic certificate, including to-
be-received,
to-be-fulfilled, to-be-applied-to-release, to-be-released, to-be-cleared and
so on. The to-
be-cleared is set as a keyword to sort all electronic certificates whose
status is to-be-
cleared. As a result, these to-be-cleared electronic certificates are ready to
be processed
by the clearing servers for interbank liquidation. The clearing server
separately calls the
first data corresponding to the to-be-cleared first electronic certificate
within a first
preset time period and the second data corresponding to the to-be-cleared
second
electronic certificate within the first preset time period, to summarize the
first data and
the second data respectively and process settlement netting. The clearing
server
generates the reconciliation document between the first and second bank
servers
according to the results of the settlement netting.
[107] Adopt a clearing way of net rolling of electronic certificate. That is,
in the settlement of
electronic certificate, only the net amount of the accounts receivable and the
accounts
payable should be calculated after the clearing of each bank. In other words,
each bank
may have tens of thousands of electronic certificate transactions that it
needs to pay and
from which it needs to receive funds and needs to be paid immediately with
respect to
each electronic certificate. It is only necessary to calculate the total
difference between
the cleared electronic certificate in the first preset period and the sum of
the total
balance of the payment by the difference bank. Inter-bank clearing between two
banks
can be realized through the net clearing between the first bank server and the
second
bank server, that is, bilateral net gap clearing. Inter-bank clearing between
multiple
banks can be achieved by clearing the net of the difference between multiple
bank
servers. By netting clearing, effectively reduce the transmission of data,
improve the
speed of interbank clearing.
[108] The clearing server delivers the reconciliation documents to the first
bank server and the
second bank server. The first bank server and the second bank service
respectively
confirm the reconciliation document, the first bank service returns the first
confirmation
information after passing the confirmation, and the second bank server returns
the
second confirmation information after passing the confirmation. The first bank
server
compares the reconciliation document with the pre-stored second data of the
second
19
Date Recue/Date Received 2021-06-07
electronic certificate to be cleared by the second bank server in the second
preset time to
determine whether the data of the two accounts match each other. If they are
consistent,
the first bank server returns the first confirmation information to the
clearing server.
Otherwise, the first bank server delivers first error information to the
clearing server.
The second bank server compares the reconciliation document with the pre-
stored first
data of the first electronic certificate to be cleared within the first preset
time and the
second data of the second electronic certificate to be cleared, and determines
whether
the data are consistent. If consistent, the second bank server returns the
second
confirmation information to the clearing server. Otherwise, the second bank
server
delivers second error information to the clearing server.
[109] In one of the examples, after the step of determining whether the
reconciliation
document is consistent with both the pre-stored second data of the to-be-
cleared second
electronic certificate and the pre-stored first data of the to-be-cleared
first electronic
certificate within the first preset time, the method also includes: if not
consistent,
delivering the second error information to the clearing server, to enable the
clearing
server to make adjustments according to the second error information and
generate an
adjusted reconciliation document; executing the step of receiving the clearing
message
delivered by the clearing server again.
[110] After receiving the first error information and / or the second error
information, the
clearing server will retrieve the service details for comparison and make
adjustments by
using the error flat accounting method to ensure that the clearing server, the
first bank
server, and the second bank server are consistent. After the reconciliation
data between
the bank servers are consistent, the clearing server generates the
reconciliation
document again to ensure that the data of interbank settlement is accurate.
[111] After receiving the first confirmation information and the second
confirmation
information, the clearing server generates a clearing information by using the
reconciliation document. After receiving the clearing information, the first
bank server
transfers the total settlement amount in the reconciliation document to the
second bank
server according to the clearing information. Therefore, the inter-bank
liquidation in
batches for electronic certificates can be completed. The second bank server
allocates
the total settlement amount to the second specific clearing account on the
second bank
Date Recue/Date Received 2021-06-07
server. According to the reconciliation document, the second bank server
transfers
amounts of funds of a plurality of first electronic certificates to a
corresponding plurality
of receiving accounts respectively by using the second specific clearing
account. Since
the first bank server and the second bank server implement the inter-bank
liquidation
through the net rolling difference, the total amount of the liquidation
transferred from
the first bank server to the second bank server is likely to be less than the
total amounts
of funds of the plurality of first electronic certificates allocated by the
second bank
server. The differences between the total amount of the liquidation and the
total amounts
of funds of the plurality of first electronic certificates allocated by the
second bank
server is supplemented by the amount in the second specific clearing account.
According to the reconciliation document, the amount corresponding to each
electronic
certificate is transferred to the corresponding receiving account. This
further improves
the accuracy of interbank settlement. [112] In this example, since the
electronic
certificates are to be cleared within the first preset time, the clearing
server generates a
reconciliation document using the first data of the first electronic
certificate of the first
bank server and the second data of the second electronic certificate of the
second bank
server. The reconciliation document includes the total clearing amount of the
electronic
certificate that the first bank server needs to transfer to the second bank
server. After the
first bank server and the second bank server respectively return confirmation
information according to the reconciliation document, the clearing information
is
generated according to the reconciliation document, which enables the first
bank server
to pay the second bank server in accordance with the total amount of clearing
in the
reconciliation documents after receiving the clearing information. As a
result, it is
possible to carry out inter-bank clearing of batch electronic certificates in
the first preset
time, effectively saving the inter-bank payment fee, and overcoming the
problem that a
large number of single electronic certificates require a high commission in
real-time
interbank payment.
[113] In one example, as shown in Figure 4, an inter-bank clearing system is
provided, and the
system includes a first bank server 402, a second bank server 404, and a
clearing server
406, wherein:
[114]
The first bank server 402 is used to deliver first data of a first electronic
certificate to the
21
Date Recue/Date Received 2021-06-07
clearing server 406 in real time.
[115] The second bank server 404 is used to deliver second data of a second
electronic
certificate to the settlement server 406 in real time.
[116] The settlement server 406 is used to receive the first data and the
second data, and
according to a first preset time, the first data of multiple first electronic
certificates and
the second data of the second electronic certificate of clearing will generate
the
reconciliation document, and the reconciliation document includes the total
settlement
amount, and the settlement server 406 delivers the reconciliation document to
the first
bank server 402 and the second bank server 404 respectively.
[117] The first bank server 402 is also used to confirm the reconciliation
document and return
first confirmation information to the settlement server.
[118] The second bank server 404 is also used to confirm the reconciliation
document and
return second confirmation information to the settlement server.
[119] The clearing server 406 is also used to receive the first confirmation
information and the
second information and use the reconciliation document to generate clearing
information, and the clearing information will be delivered to the first bank
server 402
and the second bank server 404 respectively.
[120] The first bank server 402 is also used to transfer the total settlement
amount to the
second bank server 404 according to the clearing information.
[121] In this example, the first bank server 402 delivers the first data of
the first electronic
certificate to the clearing server 406 in real time. The second bank server
404 also
delivers the second data of the second electronic certificate to the clearing
server 406 in
real time. The first data and the second data are both encrypted data. After
receiving the
first data and the second data, the clearing server 406 decrypts the first
data and the
second data respectively. Specifically, both the first data and the second
data can be
encrypted by using an RSA algorithm. After receiving the first data and the
second data,
the clearing server uses the RSA algorithm to decrypt the data. By analysing
the first
data and the second data for encryption and decryption, the security of
interbank
settlement is improved. The parsed data includes the state of the electronic
certificate,
including to-be-received, to-be-fulfilled, to-be-applied-to-release, to-be-
released, to-be-
cleared and so on. The to-be-cleared is set as a keyword to sort all
electronic certificates
22
Date Recue/Date Received 2021-06-07
whose status is to-be-cleared. As a result, these to-be-cleared electronic
certificates are
ready to be processed by the clearing servers for interbank liquidation. The
clearing
server separately calls the first data corresponding to the to-be-cleared
first electronic
certificate within a first preset time period and the second data
corresponding to the to-
be-cleared second electronic certificate within the first preset time period,
to summarize
the first data and the second data respectively and process settlement
netting. The
clearing server generates the reconciliation document between the first and
second bank
servers according to the results of the settlement netting. [122] Adopt a
clearing way
of net rolling of electronic certificate. That is, in the settlement of
electronic certificate,
only the net amount of the accounts receivable and the accounts payable should
be
calculated after the clearing of each bank. In other words, each bank may have
tens of
thousands of electronic certificate transactions it needs to pay and from
which it needs
to receive funds and needs to be paid immediately with respect to each
electronic
certificate. It is only necessary to calculate the total difference between
the cleared
electronic certificate in the first preset period and the sum of the total
balance of the
payment by the difference bank. Inter-bank clearing between two banks can be
realized
through the net clearing between the first bank server and the second bank
server, that
is, bilateral net gap clearing. Inter-bank clearing between multiple banks can
be
achieved by clearing the net of the difference between multiple bank servers.
By netting
clearing, effectively reduce the transmission of data, improve the speed of
interbank
clearing.
[123] In one of the examples, the first bank server is also used to determine
the second data of
the second electronic certificate, which is to be cleared in the first preset
time of the
account and pre-storage. If, for the first electronic device to be cleared,
the first data of
the certificate is consistent, then the first confirmation information is
returned to the
clearing server. In one of the examples, the first bank server is also used to
determine
the second data of the second electronic certificate, which is to be cleared
in the first
preset time of the account and pre-storage. If, for the first electronic
device to be
cleared, the first data of the certificate is not consistent, then the first
error information
is generated and delivered to the clearing server.
[124] In one of the examples, the second bank server is also used to:
determine whether the
23
Date Recue/Date Received 2021-06-07
reconciliation document is consistent with both the pre-stored first data of
the to-be-
cleared first electronic certificate and the pre-stored second data of the to-
be-cleared
second electronic certificate within the first preset time; if yes, then the
second
confirmation information is generated and delivered to the clearing server. In
one of the
examples, the second bank server is further also used to: determine whether
the
reconciliation document is consistent with both the pre-stored first data of
the to-be-
cleared first electronic certificate and the pre-stored second data of the to-
be-cleared
second electronic certificate within the first preset time; if not consistent,
then the
second error information is generated and delivered to the clearing server. In
one of the
examples, the clearing server is also used to generate the adjusted
reconciliation
document once the adjustments are made according to the first error
information and/or
second error information. After receiving the first error information and / or
the second
error information, the clearing server will retrieve the details corresponding
to the first
data and second data to figure out where the error is from and make
adjustments by
using a balancing method for the errors to ensure that the reconciliation data
of the
clearing server is consistent with the first bank server and the second bank
server. The
clearing server generates the adjusted reconciliation document to ensure that
the data of
interbank settlement is accurate.
[125] In this example, after the first bank server and the second bank server
respectively
return confirmation information according to the reconciliation document, the
clearing
information is generated according to the reconciliation document, which
enables the
first bank server to pay the second bank server in accordance with the total
amount of
clearing in the reconciliation documents after receiving the clearing
information. As a
result, it is possible to carry out inter-bank clearing of batch electronic
certificates in the
first preset time, effectively saving the inter-bank payment fee, and
overcoming the
problem that a large number of single electronic certificates require a high
commission
in real-time interbank payment.
[126] In an example, the first bank server is also used to transfer amounts of
funds of a
plurality of second electronic certificates to a corresponding plurality of
receiving
accounts respectively by using the first specific clearing account. The second
bank
server is configured to transfer the received total amount of liquidation to
the second
24
Date Recue/Date Received 2021-06-07
specific clearing account, and according to the reconciliation document,
transfer
amounts of funds of a plurality of first electronic certificates to a
corresponding plurality
of receiving accounts respectively by using the second specific clearing
account.
[127] In this example, the first bank server transfers amounts of funds of a
plurality of second
electronic certificates to a corresponding plurality of receiving accounts
respectively by
using the first specific clearing account according to the reconciliation
document and the
serial number of the to-be-cleared second electronic certificates. After the
first bank
server transfers the total amount of the liquidation to the second bank
according to the
clearing information, the second bank server first transfers the received
total amount of
the liquidation into the second bank for clearing services on the second bank
server.
According to the reconciliation document for clearing the first electronic
certificate
number, the amount corresponding to the first electronic certificate to be
liquidated is
respectively transferred to the receiving account of each first electronic
certificate. Since
the first bank server and the second bank server implement the inter-bank
liquidation
through the net rolling difference, the total amount of the liquidation of the
first bank
server transferred to the second bank server is likely to be less than that of
the second
bank server. The second bank server allocates the total settlement amount to
the second
specific clearing account on the second bank server. According to the
reconciliation
document and the serial number of the to-be-cleared first electronic
certificate, the
second bank server transfers amounts of funds of a plurality of first
electronic
certificates to a corresponding plurality of receiving accounts respectively
by using the
second specific clearing account. Since the first bank server and the second
bank server
implement the inter-bank liquidation through the net rolling difference, the
total amount
of the liquidation transferred from the first bank server to the second bank
server is
likely to be less than the total amounts of funds of the plurality of first
electronic
certificates allocated by the second bank server. The differences between the
total
amount of the liquidation and the total amounts of funds of the plurality of
first
electronic certificates allocated by the second bank server is supplemented by
the
amount in the second specific clearing account. According to the
reconciliation
document, the amount corresponding to each electronic certificate is
transferred to the
corresponding receiving account. This further improves the accuracy of
interbank
Date Recue/Date Received 2021-06-07
settlement.
[128] In an example, the first bank server is also used to deliver a
notification of the total
amount of the transfer and settlement to the settlement server after the total
amount of
the settlement is transferred to the second bank server.
[129] In this example, after the first bank server transfers a total
settlement amount of clearing
to the second bank according to the clearing information, the first bank
server delivers
the notification to the clearing server to complete the transfer of the total
amount of
clearing. After receiving the notification, the clearing server records the
notification. If
the clearing server does not receive the notification within a second preset
time period,
deliver the reminder of the total amount of transfer and settlement to the
first bank
server to ensure the clearing of electronic certificate on the first bank
server and the
second bank server, and complete interbank clearing in a timely manner.
[130] In one example, an inter-bank clearing server is provided. The server
includes a
processor and a non-volatile storage medium. When instructions are executed by
the
processor, the non-volatile storage medium may store the processor, which
performs the
below steps.
[131] Acquiring data of multiple clearing electronic certificate in the first
preset time, the data
including first data and second data, the first data corresponding to a first
bank server,
and the second data corresponding to a second bank server.
[132] Using the first data and the second data to generate a reconciliation
document, the
reconciliation document including the total amount of settlement.
[133] The reconciliation document is delivered to the first bank server and
the second bank
server, so that the first bank server and the second bank server respectively
confirm the
reconciliation document and return confirmation information.
[134] After receiving the confirmation information, generating clearing
information by using
the reconciliation document.
[135] The clearing information is delivered to the first bank server, so that
the first bank server
transfers the total settlement amount to the second bank server according to
the
settlement message.
[136] In this example, a schematic structural diagram of an inter-bank
clearing server is shown
in Figure 5, and the server includes a processor, a non-volatile storage
medium, a
26
Date Recue/Date Received 2021-06-07
memory, and a network interface which are connected through a system bus.
Wherein,
the sever includes a non-volatile storage medium with an operating system, a
database,
and an inter-bank settlement processing component for implementing an inter-
bank
settlement method. The processor of the server is used to provide calculation
and control
capabilities to support the operation of the entire server. The server's
memory provides
an environment for the operation of an inter-bank clearing information
processor in a
non-volatile storage medium. The network interface of the server is used to
communicate with an external terminal according to a network connection, for
example,
receive first data of a first electronic certificate delivered by a first bank
server, and so
on. The server can be implemented by a separate server or multiple servers;
for
example, the server can include an inter-bank settlement processing server and
a storage
server.
[137] In addition, a non-transitory computer storage medium is also provided.
[138] The non-transitory computer-implemented storage medium contains computer-
executable instructions for performing an inter-bank settlement method, the
method
including the below steps.
[139] Acquiring data of multiple clearing electronic certificates in the first
preset time, the
data including first data and second data, the first data corresponding to a
first bank
server, and the second data corresponding to a second bank server.
[140] Using the first data and the second data to generate a reconciliation
document, the
reconciliation document including a total amount of settlement.
[141] The reconciliation document is delivered to the first bank server and
the second bank
server, so that the first bank server and the second bank server respectively
confirm the
reconciliation document and return confirmation information.
[142] After receiving the confirmation information, generating clearing
information by using
the reconciliation document.
[143] The clearing information is delivered to the first bank server, so that
the first bank server
transfers the total settlement amount to the second bank server according to
the
settlement message.
[144] A person of skill in the art considers the problems disclosed herein and
sought to be
solved by the present disclosure to be exclusively computer problems and
contemplates
27
Date Recue/Date Received 2021-06-07
only solutions to those problems that include essential computer elements.
Abstract
ideas, mere schemes, plans, rules, or mental processes that do not include
computer
elements are expressly excluded from this application.
[145] The technical features of the examples described above can be
arbitrarily combined. In
order to simplify the description, all the possible combinations of the
various technical
features in the above examples are not described; however, any combination of
these
technical features wherein there does not exist a contradiction should be
considered to
be within the scope of the present disclosure.
[146] The above-described examples show only a few methods of execution of the
present
invention, and its descriptions are comparatively specific and detailed;
however, these
cannot to be construed as limitations on the scope of the present disclosure.
It should be
noted that various modifications and improvements can be made by those skilled
in the
field without departing from the inventive concept, which belong to the
protected scope
of the present invention. Accordingly, the protected scope of the present
invention
should be measured by the appended claims.
28
Date Recue/Date Received 2021-06-07
