Settlement process

December 27, 2021

 

1. 结算流程

正常的结算流程是指:WalletsNet 向结算行发送结算指令,结算行按照指令在参与者的结算账户间进行资金划转,完成后参与者会收到详细的结算报告

2. 结算账户充值流程

参与者在结算账户开户行对结算账户进行充值,到账后,由结算行通知 WalletsNet 结算账户余额变更

3. 结算账户提现流程

参与者在结算账户开户行对结算账户进行提现操作,结算行需严格按照以下流程安全的完成提现操作,否则会形成结算风险

 

附件(报文样例)

 

camt.050 报文样例

camt.050 报文使用场景:

编号发出方收到方备注
1WalletsNet结算行WalletsNet 向结算行发出结算指令

以下 camt.050 message sample 对应的场景为「编号-1」

 

camt.025 报文样例

camt.025 报文使用场景:

编号发出方收到方备注
1结算行/成员机构WalletsNet向 WalletsNet 返回camt指令执行结果
 WalletsNet结算行/成员机构向结算行/成员机构返回camt指令执行结果

以下 camt.025 message sample 对应的场景为「编号-1」

💡 camt.025 反馈报文中的StsCd类型代码如下:

CodeCode NameISO Description
ACCCAcceptedSettlementCompletedCreditorAccountSettlement on the creditor's account has been completed.
RCVDReceived(表示approval)Payment initiation has been received by the receiving agent
RJCTRejectedPayment initiation or individual transaction included in the payment initiation has been rejected.
PDNGPendingPayment initiation or individual transaction included in the payment initiation is pending. Further checks and status update will be performed.

camt.054 报文样例

camt.054 报文使用场景:

编号发出方收到方备注
1WalletsNet成员方结算行向成员方发送结算报告

以下 camt.054 message sample 对应的场景为「编号-1」

 

camt.003 报文样例

camt.003 报文使用场景:

编号发出方收到方备注
1结算行WalletsNet查询某成员机构某清算账户的信息
2WalletsNet结算行查询某成员机构某结算账户的信息

以下 camt.003 message sample 对应的场景为「编号-2」

 

camt.004 报文样例

camt.004 报文使用场景:

编号发出方收到方备注
1结算行WalletsNet返回某成员机构某结算账户的信息
2WalletsNet结算行返回某成员机构某清算账户的信息

以下 camt.004 message sample 对应的场景为「编号-2」

 

💡 camt.004 内 MulBal 下的代码对照表

 

1. CdtDbtInd 类型代码如下:
CodeCode NameISO Description
CRDTCreditBalance representing the sum of all credit entries booked to an account.
DBITDebitBalance representing the sum of all debit entries booked to an account.

 

2. Sts类型代码如下:
CodeCode NameISO Description
PDNGPendingBooking on the account owner's account in the account servicer's ledger has not been completed. Usage: this can be used for expected items, or for items for which some conditions still need to be fulfilled before they can be booked. If booking takes place, the entry will be included with status Booked in subsequent account report or statement. Status Pending cannot be reversed.
STLDSettledBooking on the account owner's account in the account servicer's ledger has been completed

 

3. Type/Code 类型代码如下:
CodeCode NameISO Description
CRDTCreditBalance representing the sum of all credit entries booked to an account.
DBITDebitBalance representing the sum of all debit entries booked to an account.
NOTENotedBalance representing the amount that a financial institution has set aside for a specific reason and which is therefore not available. 在 WalletsNet 中,NOTE 特指圈存(Reservation)

 

camt.046 报文样例

camt.046 报文使用场景:

编号发出方收到方备注
1结算行/成员机构WalletsNet查询某成员机构某结算账户的圈存

以下 camt.046 message sample 对应的场景为「编号-1」

 

camt.047 报文样例

camt.047 报文使用场景:

编号发出方收到方备注
1WalletsNet结算行/成员机构返回某成员机构某结算账户上的的圈存

以下 camt.047 message sample 对应的场景为「编号-1」

💡 camt.047 即圈存(Reservation)的类型代码如下:

目前 WalletsNet 只用到了 CARE,表示圈存的目的是为了提现

CodeCode NameISO Description
BLKDBlockedAmount blocked or frozen due to external circumstances such as a court order, death of beneficiary or account owner, or bankruptcy.
CARECashReservationAmount set aside by a participant to reserve liquidity from its own account, exclusively or executing cash withdrawals.
HPARHighlyUrgentPaymentReservationAmount set aside by a participant to reserve liquidity from its own account, exclusively for executing highly urgent payments.
NSSRNetSSSReservationAmount set aside by a participant to reserve liquidity from its own account, exclusively for the settlement of the multilateral cash balance stemming from the Net Security Settlement System.
THREThresholdForInvestmentAmount above which funds will be destined for investment.
UPARUrgentPaymentReservationAmount set aside by a participant to reserve liquidity from its own account, exclusively for executing critical payments called urgent payments.

camt.103 报文样例

camt.103 报文使用场景:

编号发出方收到方备注
1结算行/成员机构WalletsNet在某成员机构的某结算账户上创建圈存

以下 camt.103 message sample 对应的场景为「编号-1」

 

camt.049 报文样例

camt.049 报文使用场景:

编号发出方收到方备注
1结算行/成员机构WalletsNet删除某成员机构的某结算账户上的某圈存

以下 camt.049 message sample 对应的场景为「编号-1」