TW201839697A - Clearing method capable of determining whether to offset the trading orders according to a payable/receivable amount and a first account amount of each account - Google Patents

Abstract

The present invention relates to a clearing method. A clearing server device calculates and obtains a payable/receivable amount of each account according to a trading order stored in the clearing server device and, after calculating a trial amount according to a first account amount of each account, determines whether the first account amount is sufficient to pay the corresponding payable amount of the payable/receivable amount. When the first account amount is sufficient to pay the corresponding payable amount, the clearing server device executes the trading order, and calculates and obtains a second account amount of each account according to the payable/receivable amount and the first account amount of each account.

Description

Liquidation method

The invention relates to a method for liquidation, in particular to calculating the respective accounts receivable amount of each account, and judging whether the transaction orders can be offset from each other according to the receivable amount and the respective first account amount of each account. The method of liquidation.

In response to the development of the global financial market, the volume of international trade has increased, and the amount of financial transactions has also increased. Therefore, the information transmission between financial institutions and clearing systems is closer.

The so-called clearing system refers to a system in which a country or region pays off the creditor-debtor relationship between traders or financial institutions generated by economic activities, and provides a money transfer service, which is also a part of the amount in the A account. Transfer to the B account.

Under the current method, when a transaction order enters the clearing system, the clearing system checks whether the amount of the first account corresponding to the transaction command is sufficient according to the transaction amount of one of the transaction orders. When the amount of the transaction account is sufficient, the clearing system is based on The transaction amount of the transaction order is remitted from the first account to the amount corresponding to the transaction amount to a second account, and the transaction operation can be completed.

However, if the amount of the first account is insufficient under the current method, the clearing system will keep the transaction order in the transaction queue until another amount is transferred to the first account, so that the amount of the first account is sufficient. The transaction command is taken out of the transaction queue and the transaction is completed. At the same time, if other transaction commands enter the clearing system, the clearing system keeps the subsequent trading orders entering the clearing system in the transaction queue until the transaction queue The subsequent transaction order is executed after the execution of the first transaction order is completed, or the clearing system directly rejects the transaction order when the amount of the remitted account is insufficient, and sends an electronic device that rejects the information to the sender of the transaction order. Allow the sender to resend the transaction command on their own in the transaction account amount.

Since the current method will not execute other trading orders in the trading queue until the execution of the first trading order in the trading queue, or directly reject the trading order, the trader's cash remittance and cash remittance will be made. Inconsistent, resulting in the liquidity of the trader's liquidity risk.

The main purpose of the present invention is to provide a method for liquidation, and the clearing servo device calculates and obtains the receivable amount of each account according to the transaction command stored in the storage unit, and according to the receivable amount and the first of each account. After the account amount is calculated, the method of liquidation is judged to determine whether the transaction order can be offset.

In order to achieve the above objects and effects, one embodiment of the present invention discloses a method for liquidation, which is applicable to a clearing servo device including a plurality of transaction commands, the steps of which include the clearing servo device according to the plurality of transaction commands. Calculating and obtaining the respective accounts receivable amount of the plurality of accounts, the clearing server calculates the respective trial amounts of the respective accounts according to the respective accounts receivable amount of the respective accounts and the respective first account amounts of the respective accounts, when each When the trial amount of each account is not less than zero, the clearing server calculates the second account amount of each account according to the respective receivable amount of each account and the first account amount of each account.

In an embodiment of the present invention, when at least one of the trial amounts of each of the accounts is less than zero, the clearing server marks the respective remittance accounts of the plurality of transaction commands corresponding to the account obtained by the clearing server as The account obtained and the time information is the latest, and the amount of the receivable is calculated by the unmarked transaction orders.

In an embodiment of the present invention, the clearing server is used when the transaction account corresponding to each of the plurality of transaction commands corresponding to the acquired account is the acquired account and the transaction order of the time information is prioritized The remittance account among the transaction orders corresponding to the account obtained by the mark is the account acquired and the time information is the second night.

In an embodiment of the invention, the transaction commands are stored in an insufficient balance queue.

In an embodiment of the present invention, before the step of calculating, by the clearing server, the respective transaction amounts of the accounts according to the transaction commands, the method further includes: sending the transaction commands to the clearing server, The clearing server determines whether the amount of the first account of the accounts corresponding to the remittance accounts of one of the plurality of transaction orders is less than the remittance amount of the transaction order, and the first account amount of the account is less than the remittance of the transaction order When the amount is paid out, the clearing server stores the transaction order to the insufficient balance.

In order to provide a better understanding and understanding of the features and the efficacies of the present invention, the preferred embodiment and the detailed description are as follows:

In the prior art, since the current method is easy to make the trader's cash remittance and cash remittance inconsistent, resulting in the liquidity risk of the trader's liquidity, a method of liquidation is proposed.

The flow of the method for liquidation of the first embodiment of the present invention is described herein. Please refer to the first figure, which is a flow chart of the method for liquidation according to the first embodiment of the present invention. As shown in the figure, the method of the liquidation method of the embodiment includes:

Step S1: sending a transaction command;

Step S3: storing to an insufficient balance column;

Step S5: calculating the amount of payment receivable;

Step S7: determining whether the trial amount of each account is less than zero;

Step S9: calculating the second account amount of each account;

Step S11: obtaining an account with the smallest amount of trial calculation;

Step S13: marking the highest transaction amount in the obtained transaction command;

Step S15: Calculate the receivable amount by the unmarked transaction command.

Next, a system for achieving the method of liquidation of the present invention will be described. Referring to the second drawing, which is a schematic diagram of the method of liquidation according to the first embodiment of the present invention. As shown, the system of the method of liquidation of the present invention comprises an electronic device 1 and a clearing servo device 3.

The electronic device 1 described above may be an electronic device such as a smart phone, a personal digital assistant (PDA), a tablet computer, a notebook computer, or a desktop computer.

The clearing server 3 includes a storage unit 301. The storage unit 301 can be a hard disk, a floppy disk, a solid state disk, a flash memory, a read-only memory, or a tape. A disc, a database accessible by the network, a cloud storage space, or other storage device that can store data.

The flow of the method for clearing the liquidation method of the first embodiment of the present invention will be described below. Please refer to the first figure, the second figure, the third A chart to the third C chart, and the fourth to fourth B pictures. When the clearing is to be performed, steps S1 to S15 will be performed.

In step S1, a transaction command is transmitted, and the electronic device 1 transmits a transaction command to the clearing server 3 via the communication unit 101. The electronic device 1 is plural and each sends a transaction command to the clearing servo device 3. In other words, in step S1, the plurality of electronic devices transmit a plurality of transaction commands to the clearing servo device 3.

In step S3, the balance is insufficient, and the clearing server 3 determines, according to the remittance amount of the transaction command, whether the first account amount of the account corresponding to the remittance account of the transaction command in the plurality of accounts of the clearing server 3 is smaller than the sink. The amount of the transaction, when the first account amount of the remittance account corresponding to the transaction order is less than the remittance amount, the transaction order is stored to the insufficient balance column. As shown in FIG. 3A, the first account amount of the first account 51 is 400, and the first account amount of the second account 53 is 100. The remittance amount of the transaction order 71 is 1500 (reported by a negative sign), the remittance account of the transaction order 71 is the first account 51, and the remittance amount of the transaction order 71 is 1500 (reported by the plus sign), the transaction The remittance account of the command 71 is the second account 53, and since the first account amount of the first account 51 is 400 less than the remittance amount 1500 of the transaction order, it is stored in the insufficient balance column; the remittance amount of the transaction order 73 is 1100 (reported by a negative sign), the remittance account of the transaction order 73 is the second account 53, the remittance amount of the transaction order 73 is 1100 (reported by the plus sign), and the remittance account of the transaction order 73 is the first An account 51, because the first account amount of the second account 53 is 100 less than the remittance amount 1100 of the transaction order, is stored in the insufficient balance column. The remittance amount of the transaction order 75 is 200 (represented by a negative sign), the remittance account of the transaction order 73 is the second account 53, and the remittance amount of the transaction order 73 is 200 (reported by the plus sign), the transaction The remittance account of the command 73 is the first account 51, and since the first account amount of the second account 53 is 100 less than the remittance amount 100 of the transaction order, it is stored in the insufficient balance queue 311.

In step S5, the accounts receivable amount is calculated, and the clearing server 3 calculates the receivable amount of each account according to the transaction commands. In this step, the clearing server calculates each account according to the transaction commands. One of the receivable amount, as shown in the third B diagram, calculates the receivable amount 91 of the first account 51 as negative 200 according to the transaction orders 71-75 (negative number indicates that the first account 51 is payable 200), and the second account 53 The receivable amount 93 is positive 200 (positive number indicates that the second account 53 is receivable 200).

In step S7, it is determined whether the trial amount of each account is less than zero, and the clearing server 3 calculates each account according to the respective first account amount of each account and one of each account receivable amount. For the trial amount, if the trial amount of each account 51 is not less than zero, step S9 is performed, and if the trial amount of one account or multiple accounts in the account is less than zero, step S11 is performed.

For example, as shown in FIG. 3B, the clearing servo device 3 calculates the trial amount 111 of the first account 51 based on the first account amount of the first account 51 and the receivable amount 91 of the first account as 200 (400). + (-200)), the clearing server 3 calculates the trial amount 113 of the second account 53 to be 300 (100+300) according to the first account amount of the second account 53 and the receivable amount 93 of the second account 53. The trial amounts 111 and 113 are not less than zero, so step S9 is performed. In step S9, the second account amount of each account is calculated, and the clearing server 3 calculates the second account amount based on the respective accounts receivable amount of each account.

For example, as shown in the third B diagram and the third C diagram, the first account amount of the first account 51 is 400, and the receivable amount 91 of the first account 51 is negative 200, and the clearing server 3 calculates the acquisition amount. The second account amount of one account 51 is 200, the first account amount of the second account 53 is 100, and the receivable amount 93 of the second account 53 is positive 200, and the clearing server 3 calculates the second account 53. The account amount is 300.

In an embodiment of the present invention, after the execution of step S9, the clearing servo device 3 regards the transaction commands 71-75 as having been executed, the clearing servo device 3 records the transaction commands 71-75, and the transaction commands 71-75 The removal balance is insufficient for column 311.

For example, as shown in FIG. 4A, the clearing servo device 3 calculates that the trial amount 111 of the first account 51 is -500 based on the first account amount of the first account 51 and the receivable amount 91 of the first account. (400+(-900)), the clearing server 3 calculates the trial amount 113 of the second account 53 based on the first account amount of the second account 53 and the receivable amount 93 of the second account 53 to be 1000 (100+900). At least one of the trial amounts 111 and 113 is less than zero, so step S11 is performed.

In step S11, the account with the smallest trial amount is obtained, and the clearing server 3 obtains the minimum amount of the trial amount in the account. As shown in FIG. 4A, the minimum amount of the trial amount is the first account 51.

In step S13, in the transaction command corresponding to the account obtained by the account, the account corresponding to the account is obtained and the time information is the latest, and the clearing server 3 compares the obtained account corresponding to the transaction command corresponding to the obtained account. The trading order of the account is one of the time information, and the account corresponding to the transaction command corresponding to the obtained account is obtained and the time information is the latest and marked. As shown in FIG. 4B, since the acquired account is the first account 51, the transaction command corresponding to the first account 51 in the transaction command corresponding to the first account 51 is the transaction command 71 and the transaction command 77, and the transaction command The time information of 71 is 8:00 in the morning, and the time information of the transaction command 77 is 9:00 in the morning, so the receiving time of the transaction command 77 is later than the trading command 71, so the clearing server 3 marks the trading command 77. The time information mentioned above is the time when the clearing servo device 3 receives the transaction command.

In step S15, the unpaid amount is calculated by the unmarked transaction command, and the clearing server 3 calculates the payable amount by the unmarked transaction command. As shown in FIG. 4B, the clearing server 3 proceeds to step S5. The method described is calculated by the transaction command 71~75.

In detail, as shown in FIG. 4B, the clearing servo device 3 calculates that the trial amount 111 of the first account 51 is 200 according to the first account amount of the first account 51 and the receivable amount 91 of the first account. 400+(-200)), the clearing server 3 calculates the trial amount 113 of the second account 53 based on the first account amount of the second account 53 and the receivable amount 93 of the second account 53 to be 300 (100+300). The trial amounts 111 and 113 are not less than zero, so step S9 is performed.

In step S9, the second account amount of each account is calculated, and the clearing server 3 calculates the second account amount based on the respective accounts receivable amount of each account. The first account amount of the first account 51 is 400, and the receivable amount 91 of the first account 51 is negative 200. The clearing server 3 calculates that the second account amount of the first account 51 is 200, and the second account 53 The amount of one account is 100, and the amount of receivables 93 of the second account 53 is positive 200, and the clearing server 3 calculates that the amount of the second account of the second account 53 is 300. After the calculation is completed, the marked transaction command 77 will remain in the balance shortage column 311.

In this way, the clearing method of the first embodiment of the present invention is completed. According to the embodiment, the clearing servo device can calculate the receivable amount of each account according to the transaction command stored in the insufficient balance column, when the account is When the first account amount is sufficient to pay the amount payable, the clearing server can directly clear the transaction order, so the convenience of the transaction can be increased, and the transaction order that cannot be executed is stored in the insufficient balance column instead of directly rejecting the transaction order. Or keep the trading order in the trading queue, which can reduce the liquidity risk of the trader.

Next, the method of clearing the second embodiment of the present invention will be described. Please refer to the fifth to fifth C diagrams together with the first diagram and the second diagram.

In the present embodiment, at step S1, as shown in FIG. 5A, when the electronic device 1 transmits the transaction command 77, the transaction order of one of the transaction commands 77 is set to priority.

At the step S7, as shown in the fifth diagram B, at least one of the trial amounts 111 and 113 is less than zero, and therefore step S11 is executed.

At the step S11, the minimum amount of the trial amount is the first account 51.

In step S13, in the transaction commands 71-77, the remittance account corresponding to the first account 51 is the transaction command 71 and the transaction command 77, and the clearing server 3 compares the time information of the transaction command 71 (assumed to be 7:30 in the morning) and the transaction. The time information of command 77 (assumed to be 8:10 in the morning), so the latest time information is the transaction command 77, but the transaction order of the transaction command 77 is prioritized, so the clearing server 3 marks the transaction command corresponding to the obtained account. If the account is corresponding to the account acquired and the time information is the second night, as shown in FIG. 5C, the transaction command 71 is the time information second night, so the clearing server 3 marks the transaction command 71.

In step S15, the clearing servo 3 calculates the payable amount by the unmarked transaction command. As shown in the fifth C diagram, the clearing servo 3 calculates the receivable by the transaction command 73~77 by the method described in step S5. The amount paid.

In detail, as shown in FIG. 5C, the clearing server 3 calculates the trial amount 111 of the first account 51 to be 1000 based on the first account amount of the first account 51 and the receivable amount 91 of the first account. 400+(600)), the clearing server 3 calculates the trial amount 113 of the second account 53 based on the first account amount of the second account 53 and the receivable amount 93 of the second account 53 to be -500 (100+(- 600).

In the above, since the trial amount 113 in the trial amounts 111 and 113 is less than zero, when the step S11 is executed, the minimum amount of the trial amount is the second account 53, and in step S13, the latest time information is the transaction command 75, so the flag is marked. After the transaction command 75, the step S15 is executed, and the trial result amount 113 is still less than zero; therefore, when the step S11 is executed, the minimum amount of the trial calculation is the second account 53, and then the step S13 is executed, and the time information is the most except the marked transaction command 75. The late person is the transaction command 73, so after the transaction command 73 is marked, the step S15 is executed, and the trial result amount 113 is still less than zero. Therefore, when the step S11 is performed, the minimum amount with the trial amount is the second account 51, and there are no remaining unmarked transactions. The order, therefore, the transaction commands 71~77 are all left in the insufficient balance queue 311.

In the above embodiment, in one embodiment of the present invention, the clearing servo device 3 continues to perform steps S11 to S15, and repeats the above process until all the transaction commands are marked or when the trial amounts 111 and 113 are not less than zero, step S9 is performed. .

With this embodiment, the trader can set the order of transactions of the trade orders, and can set the trade order of the more important trade orders to be prioritized, so that the trade command can be preferentially processed by the clearing servo device 3 without being marked.

Next, the method of clearing the third embodiment of the present invention will be described. Please refer to the sixth to fifth C diagrams together with the first diagram and the second diagram. This embodiment exemplifies the execution flow of the method of clearing when there are two or more accounts.

In step S3, as shown in FIG. 6A, the transaction commands 71 to 77 are stored in the balance insufficient column.

In step S5, as shown in FIG. 6B, the clearing servo device 3 calculates the amount due 200 of the receivable amount 91 of the first account 51 and the receivable amount of the second account 53 according to the transaction commands 71-77. The amount payable is 700, and the amount payable of 95 for the third account 55 is 500.

In step S7, as shown in FIG. 6B, the clearing servo device calculates the trial amount for each account according to the first account amount and the payable amount of each account, and the trial amount 111 of the first account 51 is 200, The trial amount 113 of the second account 53 is 800, the trial amount 115 of the third account 55 is 0, and the trial amounts 111-115 are not less than zero, so step 9 is performed.

In step S9, as shown in the sixth C diagram, the clearing servo device 3 calculates that the second account amount of the first account 51 is 200, and the clearing server 3 calculates that the second account amount of the second account 53 is 800, and the clearing servo The device 3 calculates that the second account amount of the third account 55 is 0. Thus, the method of liquidation of the third embodiment of the present invention is completed.

Next, the method of clearing according to the fourth embodiment of the present invention will be described. Please refer to the seventh to seventh C diagrams together with the first diagram and the second diagram. This embodiment exemplifies the execution flow of the method of clearing when there are two or more accounts.

In step S3, as shown in FIG. 7A, the transaction commands 71-79 are stored in the balance insufficient column.

In step S5, as shown in FIG. 7B, the clearing servo device 3 calculates the payable amount 900 of the receivable amount 91 of the first account 51 according to the transaction commands 71-79, and the receivable amount of the second account 53 is 93. The amount payable is 1600, and the amount payable of the third account 55 is 95.

In step S7, as shown in FIG. 7B, the clearing servo device calculates the trial amount for each account according to the first account amount and the payable amount of each account, and the trial amount 111 of the first account 51 is -500. The trial amount 113 of the second account 53 is 1700, the trial amount 115 of the third account 55 is -200, and at least one of the trial amounts 111-115 is less than zero, so step S11 is performed.

In step S11, the clearing server 3 obtains the minimum amount of the trial amount as the first account 51.

In step S13, as shown in the seventh C, since the acquired account is the first account 51, the transaction command corresponding to the first account 51 in the transaction command corresponding to the first account 51 is the transaction command 71 and the transaction. At the command 77, the time information of the transaction command 71 is 9:00 pm on January 1, the time information of the transaction command 77 is 8:00 on January 2, and the time information of the transaction command 77 is later than the time information of the transaction command 71, so the liquidation is performed. The servo device 3 marks the transaction command 77.

In step S15, the clearing server 3 calculates the payable amount by the transaction command 71-75 and the transaction command 79 in the manner described in step S5.

In detail, as shown in FIG. C, the clearing servo device 3 calculates the trial amount 111 of the first account 51 to be 200 according to the first account amount of the first account 51 and the receivable amount 91 of the first account. 400+(-200)), the clearing server 3 calculates the trial amount 113 of the second account 53 based on the first account amount of the second account 53 and the receivable amount 93 of the second account 53 to be 1700 (100+1600). The clearing server 3 calculates the trial amount 115 of the third account 55 based on the first account amount of the third account 55 and the receivable amount 95 of the third account 55 to be -900 (500 + (-1400).

In the above, since the trial amounts 111 and 115 in the trial amounts 111, 113, and 115 are less than zero, the clearing servo 3 obtains the minimum amount of the trial account as the third account 55 in step S11, and the time information is the latest in step S13. If the transaction command 79 is executed, the step S15 is executed after the transaction command 79 is marked, and the trial result amount 115 is still less than zero; therefore, when the step S11 is executed, the minimum amount of the trial calculation is the third account 55, and then the step S13 is executed, except for the marked In addition to the transaction command 79, the latest time information is the transaction command 73. Therefore, after the transaction command 73 is marked, the step S15 is executed, and the trial amount 111 in the trial amounts 111, 113, and 115 is less than zero. Therefore, in step S11, the clearing server 3 obtains The minimum amount of trial calculation is the first account 51. At the step S13, the latest time information is the transaction command 71. Therefore, after the transaction command 71 is marked, the step S15 is executed, and the trial amount 113 in the trial amounts 111, 113 and 115 is less than zero. In step S11, the clearing server 3 obtains the minimum amount of the trial amount as the second account 53, and in step S13, the latest time information is the transaction command 75, so the standard After the step S15 is executed transaction command 75, since all transactions command has been marked, thus trading command 71 to 79 are all insufficient balance remaining in queue 311.

In the above embodiment, in one embodiment of the present invention, the clearing servo device 3 continues to perform steps S11 to S15, and repeats the above process until all transaction commands are marked or when the trial amounts 111, 113, and 117 are not less than zero. Step S9.

Thus, the method of liquidation of the fourth embodiment of the present invention is completed.

The clearing method of the present invention can also be used in the clearing servo device of the batch clearing transaction command. In this case, in step S1, after the electronic device sends the trading command to the clearing servo device, the clearing device directly stores the trading command in the In the memory unit, the clearing servo device performs steps S5 to S15 after a period of time (for example, half an hour, one hour, one and a half hours). In other words, in such a case, only steps S5 to S15 are performed without performing steps S1 and S3.

The above is only the preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, and the variations, modifications, and modifications of the shapes, structures, features, and spirits described in the claims of the present invention. All should be included in the scope of the patent application of the present invention.

The invention is a novelty, progressive and available for industrial use, and should meet the requirements of the patent application stipulated in the Patent Law of China, and the invention patent application is filed according to law, and the prayer bureau will grant the patent as soon as possible. prayer.

1‧‧‧Electronic device

101‧‧‧Communication unit

3‧‧‧Clearing servo

31‧‧‧ storage unit

311‧‧‧ insufficient balance

51‧‧‧First Account

53‧‧‧Second account

55‧‧‧ third account

71‧‧‧ Trading Order

73‧‧‧ Trading Order

75‧‧‧ Trading Order

77‧‧‧ Trading Order

91‧‧‧Amount due

93‧‧‧Amount due

95‧‧‧Amounts receivable

111‧‧‧ Trial amount

113‧‧‧ Trial amount

115‧‧‧ Trial amount

1 is a flow chart of a method for liquidation according to a first embodiment of the present invention; FIG. 2 is a schematic diagram of a system for clearing a method according to a first embodiment of the present invention; 3C is a schematic diagram of a method for liquidation of a first embodiment of the present invention for illustrating a liquidation process; and FIGS. 4A to 4B are: a liquidation of the first embodiment of the present invention A schematic diagram of a method for indicating a transaction command; a fifth A to a fifth C: a schematic diagram of a method of liquidation according to a second embodiment of the present invention for indicating the priority of a transaction command; A to 6C: a schematic diagram of a method of liquidation according to a third embodiment of the present invention for illustrating a process of liquidation; and a seventh to seventh C diagrams: A schematic diagram of a method of liquidation of four embodiments for illustrating a transaction command.

Claims (5)

A clearing method is applicable to a clearing servo device including a plurality of transaction commands, the steps comprising: the clearing servo device calculating, according to the plurality of transaction commands, a receivable amount of each of the plurality of accounts; the clearing server Calculating the trial amount of each of the accounts according to the respective accounts receivable amount of each of the accounts and the first account amount of each of the accounts; and when the respective trial amounts of the accounts are not less than At 0:00, the clearing server calculates a second account amount for each of the accounts based on the respective receivable amount of each of the accounts and the first account amount of each of the accounts. The method of liquidation according to claim 1, wherein the method further comprises: when at least one of the trial amounts of each of the accounts is less than zero, the clearing server obtains the minimum amount of the trial amount in the accounts. The clearing server marks that one of the plurality of transaction commands corresponding to the account obtained by the account is the account that is obtained and the one of the time information is the latest; and the unmarked ones The transaction order calculates the amount of the receivable. The method of liquidation according to item 2 of the patent application, wherein the remittance account of each of the plurality of transaction orders corresponding to the obtained account is the acquired account and the latest one of the time information When the transaction order is prioritized, the clearing server marks that the remitted account among the plurality of transaction commands corresponding to the acquired account is the acquired account and the time information is the second. The method of liquidation as set forth in claim 1, wherein the transaction orders are stored in an insufficient balance. The method of liquidation according to claim 4, wherein before the step of calculating, by the clearing server, the transaction amount of each of the accounts according to the transaction commands, the method further comprises: sending the Transmitting a command to the clearing server; the clearing server determining whether the first account amount of the one of the accounts of the one of the plurality of transaction commands corresponding to one of the plurality of transaction commands is less than one of the transaction commands Amount; When the first account amount of the account is less than the remittance amount of the transaction order, the clearing server stores the transaction command to the balance insufficient column.