CN106846146A - Transaction platform automates cashing method and device - Google Patents
Transaction platform automates cashing method and device Download PDFInfo
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- CN106846146A CN106846146A CN201710046659.4A CN201710046659A CN106846146A CN 106846146 A CN106846146 A CN 106846146A CN 201710046659 A CN201710046659 A CN 201710046659A CN 106846146 A CN106846146 A CN 106846146A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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Abstract
The invention discloses a kind of transaction platform automation cashing method and device.Wherein, method includes:Receive the gathering chronological file that third party sends every preset time period;Dissection process is carried out to gathering chronological file, the cash flow managing detailed catalogue of at least one money order is obtained, wherein, the cash flow managing detailed catalogue of at least one money order includes:Remittance account;For a cash flow managing detailed catalogue for money order, the payment flowing water information matched with remittance account in flowing water information list is paid according to remittance account inquiry, the fund state in the payment flowing water information that will be matched with remittance account is changed to settle accounts.Using technical scheme, realize automation gathering, without the gathering chronological file that manually treatment third party sends, liberation manpower, compared with the gathering chronological file that manually treatment third party sends, treatment effeciency is greatly improved, operational risk is reduce further, while reducing operation cost.
Description
Technical field
The present invention relates to technical field of electronic commerce, and in particular to a kind of transaction platform automates cashing method and device.
Background technology
West Union is the abbreviation of international remittance company (Western Union), is that express remittance leading in the world is public
Department, the existing history of 150 years so far, it possesses the maximum state-of-the-art electronic exchange banking network in the whole world, and agent dot spreads all over entirely
Nearly 200 countries and regions of ball.Internet is borderless, for transaction platform, the range throughout whole world 220 that its business is carried out
Multiple countries, although credit card occupies more than 90% ratio in the client of transaction platform, popularize for some credits card
The relatively low national and area of rate, the site of same bank transfer is less, and the cycle along with international remittance is more long, west connection on the contrary into
It is a kind of very convenient, safe payment method.Nearly all can easily in street for any one overseas customer
Remitted money the agent point that road finds west connection.
In existing flow, the accounting operations personnel of transaction platform download corresponding gathering stream from west connection backstage daily
Water, matches the record of remittance according to remittance account in flowing water of collecting money manually, and order to received payment carries out confirmation gathering.People
Work match daily gathering it is less efficient, there is very big confirmation risk.Another aspect fund is confirmed not in time, by operation personnel's work
Make time restriction, such as domestic vacation, such as Spring Festival west connection can normally collect money, but finance can only work overtime process part, cause to hand over
Easy platform operation cost increases, while customer experience is poor.
The content of the invention
In view of the above problems, it is proposed that the present invention so as to provide one kind overcome above mentioned problem or at least in part solve on
State the transaction platform automation cashing method and corresponding transaction platform automation checkout of problem.
According to an aspect of the invention, there is provided a kind of transaction platform automates cashing method, method includes:
Receive the gathering chronological file that third party sends every preset time period;
Dissection process is carried out to gathering chronological file, the cash flow managing detailed catalogue of at least one money order is obtained, wherein, extremely
The cash flow managing detailed catalogue of a few money order includes:Remittance account;
For a cash flow managing detailed catalogue for money order, according to remittance account inquiry pay in flowing water information list with remittance
The payment flowing water information that money account matches, the fund state in the payment flowing water information that will be matched with remittance account is changed to
Settle accounts.
According to another aspect of the present invention, there is provided a kind of transaction platform automates checkout, device includes:
First receiver module, for receiving the gathering chronological file that third party sends every preset time period;
First parsing module, for carrying out dissection process to gathering chronological file, obtains the fund of at least one money order
Stream managing detailed catalogue, wherein, the cash flow managing detailed catalogue of at least one money order includes:Remittance account;
First enquiry module, for for a cash flow managing detailed catalogue for money order, being paid according to remittance account inquiry
The payment flowing water information matched with remittance account in flowing water information list;
Change module, for the fund state in the payment flowing water information matched with remittance account to be changed to tie
Calculate.
It is automatic to receive the gathering chronological file that third party sends every preset time period according to the scheme that the present invention is provided,
Dissection process is carried out to gathering chronological file, the cash flow managing detailed catalogue of at least one money order is obtained, wherein, at least one converges
The cash flow managing detailed catalogue of money list includes:Remittance account;For a cash flow managing detailed catalogue for money order, according to remittance account
Inquiry pays the payment flowing water information matched with remittance account in flowing water information list, the payment that will be matched with remittance account
Fund state in flowing water information is changed to settle accounts.Using technical scheme, automation gathering is realized, without people
The gathering chronological file that work manual handle third party sends, liberates manpower, with the gathering stream that manually treatment third party sends
Hydrology part is compared, and greatly improves treatment effeciency, reduce further operational risk, while reducing operation cost.
Described above is only the general introduction of technical solution of the present invention, in order to better understand technological means of the invention,
And can be practiced according to the content of specification, and in order to allow the above and other objects of the present invention, feature and advantage can
Become apparent, below especially exemplified by specific embodiment of the invention.
Brief description of the drawings
By reading the detailed description of hereafter preferred embodiment, various other advantages and benefit is common for this area
Technical staff will be clear understanding.Accompanying drawing is only used for showing the purpose of preferred embodiment, and is not considered as to the present invention
Limitation.And in whole accompanying drawing, identical part is denoted by the same reference numerals.In the accompanying drawings:
Fig. 1 shows that transaction platform according to an embodiment of the invention automates the schematic flow sheet of cashing method;
Fig. 2 shows that transaction platform in accordance with another embodiment of the present invention automates the schematic flow sheet of cashing method;
Fig. 3 shows that transaction platform according to an embodiment of the invention automates the structural representation of checkout;
Fig. 4 shows that transaction platform in accordance with another embodiment of the present invention automates the structural representation of checkout.
Specific embodiment
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although showing the disclosure in accompanying drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
Limited.Conversely, there is provided these embodiments are able to be best understood from the disclosure, and can be by the scope of the present disclosure
Complete conveys to those skilled in the art.
Transaction platform of the invention automation cashing method and device are applied to client after the transaction platform free choice of goods,
Third party is used as payment method for selection, the scheme that then client is remitted money to third-party site or website, wherein, third party
It can be express remittance company.
Fig. 1 shows that transaction platform according to an embodiment of the invention automates the schematic flow sheet of cashing method.Such as
Shown in Fig. 1, the method is comprised the following steps:
Step S100, receives the gathering chronological file that third party sends every preset time period.
The corresponding gathering chronological file of money order generation that third party can fill according to client, and every preset time period
Gathering chronological file is sent to transaction platform, transaction platform receives the gathering chronological file that third party sends, the here the 3rd
Side can be express remittance company, such as First Data Corp., and First Data Corp. has that network point distribution scope is wide, the remittance cycle
Short the advantages of.
In addition, the time interval that third direction transaction platform sends gathering chronological file can be transaction platform and third party
Confer what is determined, for example, it may be one day, or 1 hour, can also be that other times are spaced certainly, do not do have here
Body is limited.
Generally, third party can process the money order that a large amount of clients are filled in each preset time period, because
This, gathering chronological file is probably to be generated according at least one money order, wherein, the quantity of money order can be flat transaction
Platform is conferred set, or third party and is set according to actual conditions with third party, is not specifically limited here.
Step S101, dissection process is carried out to gathering chronological file, obtains the detailed letter of cash flow of at least one money order
Breath, wherein, the cash flow managing detailed catalogue of at least one money order includes:Remittance account.
Transaction platform is after the gathering chronological file for receiving third party's transmission, it is necessary to be parsed to gathering chronological file
Treatment, for example, being decrypted treatment to gathering chronological file, generally, is sent to the gathering chronological file of transaction platform
It is by encryption, accordingly, it would be desirable to transaction platform is decrypted treatment to gathering chronological file.
Cash flow managing detailed catalogue be for record third party keep accounts gathering flowing water managing detailed catalogue, be client remit money after root
What the information filled according to money order was generated, wherein, cash flow managing detailed catalogue includes:Remittance account, it is, of course, also possible to including it
His information, such as dealing money, trade date, exchange hour, transaction currency type etc., are merely illustrative here, without appointing
What restriction effect.
In embodiments of the present invention, remittance account is the confession client of transaction platform generation in third-party site or website
The remittance account filled on money order during remittance, is that transaction platform checks the remittance of which client to the foundation of account.
Step S102, for a cash flow managing detailed catalogue for money order, flowing water information is paid according to remittance account inquiry
The payment flowing water information matched with remittance account in list, the fund paid in flowing water information that will be matched with remittance account
State is changed to settle accounts.
At least one payment flowing water information is have recorded in the information list for paying flowing water, remittance account is transaction platform institute
Generation, therefore, remittance account this entry can be provided with flowing water information is paid, obtaining the money of at least one money order
After gold stream managing detailed catalogue, for a cash flow managing detailed catalogue for money order, flowing water letter can be paid according to remittance account inquiry
The payment flowing water information matched with remittance account in breath list, in the payment flowing water information that then will be matched with remittance account
Fund state be changed to settle accounts, realize transaction platform confirm gathering.
It is automatic to receive the gathering that third party sends every preset time period according to the method that the above embodiment of the present invention is provided
Chronological file, dissection process is carried out to gathering chronological file, obtains the cash flow managing detailed catalogue of at least one money order, wherein,
The cash flow managing detailed catalogue of at least one money order includes:Remittance account;For a cash flow managing detailed catalogue for money order, root
The payment flowing water information matched with remittance account in flowing water information list is paid according to remittance account inquiry, will be with remittance account phase
Fund state in the payment flowing water information of matching is changed to settle accounts.Using technical scheme, automation is realized
Gathering, the gathering chronological file without manually processing third party's transmission, liberates manpower, is sent out with manually treatment third party
The gathering chronological file for sending is compared, and greatly improves treatment effeciency, reduce further operational risk, while reduce runing into
This.
Fig. 2 shows that transaction platform in accordance with another embodiment of the present invention automates the schematic flow sheet of cashing method.
As shown in Fig. 2 the method is comprised the following steps:
Step S200, receives the gathering chronological file that third party sends every preset time period.
Step S201, dissection process is carried out to gathering chronological file, obtains the detailed letter of cash flow of at least one money order
Breath, wherein, the cash flow managing detailed catalogue of at least one money order includes:Remittance account.
Here remittance account can be specifically Customer ID, wherein, Customer ID has uniqueness, hence in so that remittance account
With uniqueness, so that the remittance account filled in when ensureing that client remits money every time is identical, client's memory is not only convenient for, but also
Reduce causes the error rate of remittance mistake because remittance account changes often, while improving the experience of client.
In embodiments of the present invention, cash flow managing detailed catalogue is to link account gathering flowing water managing detailed catalogue for recording west,
It is that the information filled according to money order after client remits money is generated, wherein, cash flow managing detailed catalogue can include:Remittance account
Number, it is, of course, also possible to including other information, table 1 has been carried out to cash flow managing detailed catalogue for example, not having any limit here
It is set for using.
Table 1:
Step S202, for a cash flow managing detailed catalogue for money order, flowing water information is paid according to remittance account inquiry
The payment flowing water information matched with remittance account in list.
Step S203, the fund state in the payment flowing water information that will be matched with remittance account is changed to settle accounts.
Fund state can include:Settled accounts and do not settled accounts, transaction platform after generation pays flowing water information, not according to west
Join before the gathering chronological file for sending checked, fund state not settle accounts, receiving the gathering chronological file that west connection sends,
Parsing obtains the cash flow managing detailed catalogue of at least one money order, and according to remittance account inquires payment flowing water information list
After the payment flowing water information matched with remittance account, then fund state can be changed to settle accounts, show to determine gathering.
, it is necessary to the payment that will be matched with remittance account after the payment flowing water information matched with remittance account is inquired
Fund state in flowing water information is changed to settle accounts, and realizes that transaction platform confirms gathering.
The step S100- steps in step S200- steps S203 and embodiment illustrated in fig. 1 in embodiment illustrated in fig. 2
S102 is similar to, and repeats no more here.
Step S204, by the partial information in cash flow managing detailed catalogue accordingly fill in pay flowing water information list in
In the payment flowing water information that remittance account matches.
Transaction platform can set the entry paid in flowing water information previously according to west connection cash flow managing detailed catalogue, for one
The cash flow managing detailed catalogue of individual money order, matches in flowing water information list is paid according to remittance account inquiry with remittance account
Payment flowing water information after, the partial information in cash flow managing detailed catalogue can be accordingly filled in paying flowing water information row
In the payment flowing water information matched with remittance account in table, table 2 is listed and pays some entries that flowing water packet contains, certainly
Here it is merely illustrative of, without any restriction effect.
Table 2:
Specifically, can be by dealing money, trade date, the transaction in the cash flow managing detailed catalogue of at least one money order
Time, Settlement Date etc. be corresponding to fill in paying the payment flowing water information that matches with remittance account in flowing water information list
In.The payment flowing water information matched with remittance account in payment flowing water information list is inquired according to remittance account, and hand over
In the case that the easy amount of money is matched with the recharge amount paid in flowing water information, verification mark can be labeled as:Verification is consistent.
The execution sequence of step S203 and step S204 is not limited in embodiments of the present invention, and this method can be first carried out
Step S203 performs step S204 again, it is also possible to first carries out step S204 and performs step S203 again, or performs step simultaneously
S203 and step S204, is not specifically limited here.
After remittance, western joint conference provides a remittance monitoring number to client to client, can monitor number according to the remittance
Whether inquiry fund arrives account, specifically, can use following method and step:
Step S205, the remittance monitoring number inquiry provided according to client whether there is and remittance in paying flowing water information list
Money monitors the payment flowing water information of numbers match, if so, then performing step S206;If it is not, then performing step S207.
Wherein, remittance monitoring number be client after West Union, what is obtained can uniquely follow the trail of the remittance of remittance state
Tracking number.
In embodiments of the present invention, transaction platform parsing obtain at least one money order cash flow managing detailed catalogue after,
Partial information in cash flow managing detailed catalogue can accordingly be filled in and matched with remittance account into payment flowing water information list
Payment flowing water information in, enumerate in step s 201 illustrate cash flow managing detailed catalogue include remittance monitoring number, therefore, step
Rapid S204 is also filled in into the corresponding entry of payment flowing water information remittance monitoring number.And in payment flowing water information list
Partial payment flowing water information, transaction platform may not receive also west connection send gathering chronological file, therefore, for this part
The entry for paying remittance monitoring number in flowing water information does not fill in any content.
Client provides corresponding remittance monitoring number, the remittance prison that transaction platform can be provided according to client to transaction platform
Control number inquiry pay flowing water information list in the presence or absence of with remittance monitoring numbers match payment flowing water information, if in the presence of with
The payment flowing water information of remittance monitoring numbers match, then show that transaction platform has been collected money;If not existing and remittance monitoring number
The payment flowing water information matched somebody with somebody, then show that transaction platform is not collected money also.
Step S206, account notification message is returned to client.
Step S207, returns to client and does not arrive account notification message.
The remittance monitoring number provided according to client directly inquires about whether fund arrives account, rapid and convenient, and also reduces
Operation cost, overcoming need to feed back in existing scheme under financial staff's line or in west connection background query can just know that fund is arrived
Account result, and cause operation cost defect very high.
Alternatively, in a possible implementation of the present embodiment, transaction platform confirm gathering after, it is necessary to
The account of client is supplemented with money, first-selected it needs to be determined that whether recharge amount consistent with money transfer amount before supplementing with money, this be due to
Inevitably there is remittance or few situation about converging more than client in money transfer transactions, and remitted money for client or few feelings converged more
Condition, transaction platform uses the mode of West Union direct correlation order, so that in money transfer amount and recharge amount not
When consistent, order cannot confirm, it is necessary to financial staff is verified with client, and is supplemented with money again after verification, so not only
Labor intensive, but also extend the time of supplementing with money.
In order to overcome drawbacks described above, the side that the embodiment of the present invention is supplemented with money using transaction platform to the virtual client account of client
Formula, the payment flowing water packet in the present embodiment is included:Virtual client account, according in the cash flow managing detailed catalogue that parsing is obtained
Dealing money is supplemented with money, is specifically adopted with the following method:The virtual client account paid in flowing water information is obtained according to remittance account
Number;Virtual client account is supplemented with money according to dealing money, and successful recharging message is sent to client.
Specifically, remittance account is associated with virtual client account in paying flowing water information, can be obtained according to remittance account
To virtual client account, after virtual client account is obtained, transaction platform calling platform account charging interface is virtual for client's
Customer accounting code is supplemented with money, and the amount of money supplemented with money to the virtual client account of client is dealing money of the client in West Union,
And after successful recharging, successful recharging message is sent to client, realize automation and supplement with money, and be according to the detailed letter of cash flow
The dealing money of breath supplemented with money, it is to avoid when recharge amount is with money transfer amount, it is impossible to which confirmation is supplemented with money, need to be verified with client and led
Time defect more long is supplemented in cause with money.
Alternatively, in a possible implementation of the present embodiment, when to gathering chronological file carry out dissection process,
When obtaining the cash flow managing detailed catalogue of multiple money orders, transaction platform can also be in the cash flow managing detailed catalogue of multiple money orders
Dealing money carry out aggregation process.
Specifically, aggregation process can be carried out according to the Settlement Date in cash flow managing detailed catalogue, wherein, the method is also wrapped
Include:Dissection process is carried out to gathering chronological file, third party clearing ID is obtained, wherein, third party's clearing ID is that third party is directed to
Gathering chronological file generation, each gathering chronological file has unique third party's clearing ID, and third party settles accounts ID and can deposit
It is stored in gathering chronological file, dissection process is carried out by gathering chronological file, third party's clearing ID can be obtained;According to knot
Calculate the date carries out aggregation process to the dealing money in cash flow managing detailed catalogue, obtains turning the money amount of money, and will turn money summary information
Recorded in turning money summary information list, wherein, turning money summary information at least includes:Turn the money amount of money, Settlement Date and the 3rd
Side's clearing ID, here turn the total amount that the money amount of money is multiple money orders, the present embodiment by turn the money amount of money, Settlement Date with
And third party clearing ID, transaction platform can be facilitated to know the settlement amounts (turning the money amount of money) and knot of third party and transaction platform
Calculate the date, third party's clearing ID can facilitate transaction platform and third party to enter the verification of row information.
Third party transfers accounts the money amount of money is turned accordingly to the bank of transaction platform cooperation, for example, transaction platform and star-spangled banner silver
Row cooperation, then third party corresponding can turn the money amount of money and transfer accounts to the Citibank, bank can be periodically generated billing files, and fixed
Billing files are sent to transaction platform by the phase, and the billing files that transaction platform can send according to bank converge to the third-party money that turns
Total information is checked, to determine third-party to turn whether the money amount of money matches with the amount of money for actually receiving.
Specifically, following method and step can be used:Receive bank and be based on the billing files that Secure File Transfer Protocol periodically sends;It is right
Billing files carry out dissection process, obtain bank's flowing water information, wherein, bank's flowing water information includes:Third party settles accounts ID;According to
Third party's clearing ID inquiries turn to turn money summary information with third party's clearing ID is matched in money summary information list;Flowed according to bank
Water information is checked the money summary information that turns for turning to be matched with third party's clearing ID in money summary information list, is tied according to verification
Fruit fills in cross-check information table.
Wherein, SFTP is secure file transportation protocol, can provide a kind of safe encryption method for transmission file.Transaction
Platform and bank can decide through consultation the time interval that billing files send, for example, sending once daily, or send one per hour
It is secondary, can also be that other times are spaced certainly, it is not specifically limited here.After the billing files for receiving bank's transmission, hand over
Easy platform reconciliation monofile carries out dissection process, obtains bank's flowing water information, wherein, bank's flowing water information can include:Receipt on account
The amount of money, Settlement Date, third party's clearing ID, the time that keeps accounts etc., other information is may also contain certainly, do not do here specifically
It is bright.Then, the money that turns for turning to be matched with third party's clearing ID in money summary information list according to third party's clearing ID inquiries collects letter
Breath;Core is carried out to the money summary information that turns for turning to be matched with third party's clearing ID in money summary information list according to bank's flowing water information
Right, whether the verification amount of money, clearing daily record are consistent, and cross-check information table is filled according to checked result, if unanimously, can believe in verification
Mark verification is consistent in ceasing the verification identification entry of table, while can record bank keeping accounts the time;If inconsistent, can fill in
Verification is inconsistent, while recording bank's receipt on account amount of money and keeping accounts the time, is easy to transaction platform in real time to third-party clearing fund
It is tracked.
According to the method that the above embodiment of the present invention is provided, automation gathering is realized, without manually processing the 3rd
The gathering chronological file that side sends, liberates manpower, compared with the gathering chronological file that manually treatment third party sends, significantly
Treatment effeciency is improved, operational risk is reduce further, while reducing operation cost;Remittance account has uniqueness, no
Only be easy to client to remember, and also reduce because remittance account change often cause remittance mistake error rate, while lifting
The experience of client;Due to store pay flowing water information in have recorded remittance monitoring number, therefore, it can directly inquire about fund
Whether account, rapid and convenient are arrived, and also reduces operation cost, overcome and need to feed back under financial staff's line in existing scheme
Or can just know fund to account result in west connection background query, and cause operation cost defect very high.
Fig. 3 shows that transaction platform according to an embodiment of the invention automates the structural representation of checkout.Such as
Shown in Fig. 3, the device includes:First receiver module 300, the first parsing module 301, the first enquiry module 302, change module
303。
First receiver module 300, for receiving the gathering chronological file that third party sends every preset time period.
First parsing module 301, for carrying out dissection process to gathering chronological file, obtains the money of at least one money order
Gold stream managing detailed catalogue, wherein, the cash flow managing detailed catalogue of at least one money order includes:Remittance account.
First enquiry module 302, for for a cash flow managing detailed catalogue for money order, according to remittance account inquiry branch
Pay the payment flowing water information matched with remittance account in flowing water information list.
Change module 303, for the fund state in the payment flowing water information matched with remittance account to be changed to
Clearing.
It is automatic to receive the gathering that third party sends every preset time period according to the device that the above embodiment of the present invention is provided
Chronological file, dissection process is carried out to gathering chronological file, obtains the cash flow managing detailed catalogue of at least one money order, wherein,
The cash flow managing detailed catalogue of at least one money order includes:Remittance account;For a cash flow managing detailed catalogue for money order, root
The payment flowing water information matched with remittance account in flowing water information list is paid according to remittance account inquiry, will be with remittance account phase
Fund state in the payment flowing water information of matching is changed to settle accounts.Using technical scheme, automation is realized
Gathering, the gathering chronological file without manually processing third party's transmission, liberates manpower, is sent out with manually treatment third party
The gathering chronological file for sending is compared, and greatly improves treatment effeciency, reduce further operational risk, while reduce runing into
This.
Fig. 4 shows that transaction platform in accordance with another embodiment of the present invention automates the structural representation of checkout.
As shown in figure 4, the device includes:First receiver module 400, the first parsing module 401, the first enquiry module 402, change module
403。
First receiver module 400, for receiving the gathering chronological file that third party sends every preset time period.
First parsing module 401, for carrying out dissection process to gathering chronological file, obtains the money of at least one money order
Gold stream managing detailed catalogue, wherein, the cash flow managing detailed catalogue of at least one money order includes:Remittance account.Wherein, remittance account tool
Body is:Customer ID.
First enquiry module 402, for for a cash flow managing detailed catalogue for money order, according to remittance account inquiry branch
Pay the payment flowing water information matched with remittance account in flowing water information list.
Change module 403, for the fund state in the payment flowing water information matched with remittance account to be changed to
Clearing.
The device also includes:Writing module 404, for by the partial information in cash flow managing detailed catalogue accordingly fill in
In the payment flowing water information matched with remittance account in payment flowing water information list.
Wherein, cash flow managing detailed catalogue also includes:Remittance monitoring number;
Device also includes:Second enquiry module 405, the remittance monitoring number inquiry for being provided according to client pays flowing water
With the presence or absence of the payment flowing water information with remittance monitoring numbers match in information list;
Module 406 is returned to, if for there is the payment flowing water with remittance monitoring numbers match in payment flowing water information list
Information, account notification message is returned to client;If in the absence of the branch with remittance monitoring numbers match in paying flowing water information list
Flowing water information is paid, is returned to client and is not arrived account notification message.
Wherein, cash flow managing detailed catalogue also includes:Dealing money;Flowing water packet is paid to include:Virtual client account;
Device also includes:Acquisition module 407, for obtaining the virtual client account paid in flowing water information according to remittance account
Number;
Module 408 is supplemented with money, for being supplemented with money to virtual client account according to dealing money;
Sending module 409, for sending successful recharging message to client.
Wherein, cash flow managing detailed catalogue also includes:Settlement Date;
First parsing module 401 is further used for:Dissection process is carried out to gathering chronological file, multiple money orders are obtained
Cash flow managing detailed catalogue and third party's clearing ID;
The device also includes:Aggregation process module 410, for according to Settlement Date to the transaction in cash flow managing detailed catalogue
The amount of money carries out aggregation process, obtains turning the money amount of money;
Logging modle 411, for that will turn during money summary information recorded and turn money summary information list, wherein, turn money and collect
Information at least includes:Turn the money amount of money, Settlement Date and third party clearing ID.
The device also includes:Second receiver module 412, the bill text that Secure File Transfer Protocol periodically sends is based on for receiving bank
Part;
Second parsing module 413, dissection process is carried out for reconciliation monofile, obtains bank's flowing water information, wherein, bank
Flowing water information includes:Third party settles accounts ID;
3rd enquiry module 414, turns to be tied with third party in money summary information list for settling accounts ID inquiries according to third party
That calculates ID matchings turns money summary information;
Verification module 415, for according to bank's flowing water information to turning to settle accounts ID with third party in money summary information list
The money summary information that turns matched somebody with somebody is checked, and cross-check information table is filled according to checked result.
According to the device that the above embodiment of the present invention is provided, automation gathering is realized, without manually processing the 3rd
The gathering chronological file that side sends, liberates manpower, compared with the gathering chronological file that manually treatment third party sends, significantly
Treatment effeciency is improved, operational risk is reduce further, while reducing operation cost;Remittance account has uniqueness, no
Only be easy to client to remember, and also reduce because remittance account change often cause remittance mistake error rate, while lifting
The experience of client;Due to store pay flowing water information in have recorded remittance monitoring number, therefore, it can directly inquire about fund
Whether account, rapid and convenient are arrived, and also reduces operation cost, overcome and need to feed back under financial staff's line in existing scheme
Or can just know fund to account result in west connection background query, and cause operation cost defect very high.
So far, although those skilled in the art will appreciate that detailed herein have shown and described multiple of the invention and show
Example property embodiment, but, without departing from the spirit and scope of the present invention, still can be directly true according to disclosure of invention
Determine or derive many other variations or modifications for meeting the principle of the invention.Therefore, the scope of the present invention is it should be understood that and recognize
It is set to and covers all these other variations or modifications.
It will be appreciated by those skilled in the art that embodiments of the present invention can be implemented as a kind of system, device, equipment,
Method or computer program product.Additionally, the present invention is not also directed to any certain programmed language, it should be appreciated that can be using each
The content that programming language realizes present invention description is planted, and the description done to language-specific above is of the invention in order to disclose
Preferred forms.
Although it should be noted that describing some of transaction platform automation checkout in superincumbent explanation in detail
Module, but what this division was merely exemplary, it is not enforceable.It will be understood to those skilled in the art that actual
On, the module in embodiment can adaptively be changed, by the multiple block combiners in embodiment an into module,
Also can be by a Module Division into multiple modules.
Additionally, although describing the present invention with particular order in the accompanying drawings implements operation, this is not required that or secretly
Showing must perform these operations according to the particular order, or the operation having to carry out shown in whole could realize desired knot
Really.Some steps can be omitted, multiple steps are merged into a step performs, or a step is divided into multiple steps and held
OK.
In sum, cashing method and device are automated using transaction platform of the present invention, realizes automation and receive
Money, the gathering chronological file without manually processing third party's transmission, liberates manpower, is sent with manually treatment third party
Gathering chronological file compare, greatly improve treatment effeciency, operational risk is reduce further, while reduce runing into
This.
The method of the present invention and specific implementation method are described in detail above, and give corresponding implementation
Example.Certainly, in addition to the implementation, the present invention can also have other embodiment, all use equivalents or equivalent transformation shape
Into technical scheme, all fall within invention which is intended to be protected.
Claims (14)
1. a kind of transaction platform automates cashing method, it is characterised in that methods described includes:
Receive the gathering chronological file that third party sends every preset time period;
Dissection process is carried out to the gathering chronological file, the cash flow managing detailed catalogue of at least one money order is obtained, wherein, institute
The cash flow managing detailed catalogue for stating at least one money order includes:Remittance account;
For a cash flow managing detailed catalogue for money order, according to the remittance account inquiry pay in flowing water information list with institute
The payment flowing water information that remittance account matches is stated, the fund shape paid in flowing water information that will be matched with the remittance account
State is changed to settle accounts.
2. method according to claim 1, it is characterised in that methods described also includes:By the cash flow managing detailed catalogue
In partial information accordingly fill in pay in flowing water information list with the remittance payment flowing water information that matches of account in.
3. method according to claim 2, it is characterised in that the cash flow managing detailed catalogue also includes:Remittance monitoring number
Code;
Methods described also includes:According to client provide remittance monitoring number inquiry pay flowing water information list in whether there is with
The payment flowing water information of remittance monitoring numbers match;
If there is the payment flowing water information with remittance monitoring numbers match in paying flowing water information list, account is returned to client
Notification message;
If being returned not to client in the absence of the payment flowing water information with remittance monitoring numbers match in paying flowing water information list
To account notification message.
4. method according to claim 1 and 2, it is characterised in that the cash flow managing detailed catalogue also includes:Trade gold
Volume;The payment flowing water packet is included:Virtual client account;
After the fund state in the payment flowing water information matched with the remittance account is changed to settle accounts, the side
Method also includes:
The virtual client account paid in flowing water information is obtained according to the remittance account;
Virtual client account is supplemented with money according to the dealing money, and successful recharging message is sent to client.
5. method according to claim 1, it is characterised in that the cash flow managing detailed catalogue also includes:Settlement Date;
When to it is described gathering chronological file carry out dissection process, when obtaining the cash flow managing detailed catalogue of multiple money orders, the side
Method also includes:Dissection process is carried out to the gathering chronological file, third party's clearing ID is obtained;
Aggregation process is carried out to the dealing money in the cash flow managing detailed catalogue according to the Settlement Date, obtains turning money gold
Volume, and will turn during money summary information recorded and turn money summary information list, wherein, the money summary information that turns at least includes:Turn
The money amount of money, Settlement Date and the third party clearing ID.
6. method according to claim 5, it is characterised in that wherein, methods described also includes:Receive bank and be based on SFTP
The billing files that agreement periodically sends;
Dissection process is carried out to the billing files, bank's flowing water information is obtained, wherein, bank's flowing water information includes:The
Tripartite settles accounts ID;
Converged according to the money that turns that third party clearing ID inquiries turn to be matched with third party clearing ID in money summary information list
Total information;
The money that turns for turning to be matched with third party clearing ID in money summary information list is collected according to bank's flowing water information
Information is checked, and cross-check information table is filled according to checked result.
7. the method according to claim any one of 1-3, it is characterised in that the remittance account is specially:Customer ID.
8. a kind of transaction platform automates checkout, it is characterised in that described device includes:
First receiver module, for receiving the gathering chronological file that third party sends every preset time period;
First parsing module, for carrying out dissection process to the gathering chronological file, obtains the fund of at least one money order
Stream managing detailed catalogue, wherein, the cash flow managing detailed catalogue of at least one money order includes:Remittance account;
First enquiry module, for for a cash flow managing detailed catalogue for money order, being paid according to the remittance account inquiry
The payment flowing water information matched with the remittance account in flowing water information list;
Change module, for the fund state in the payment flowing water information matched with the remittance account to be changed to tie
Calculate.
9. device according to claim 8, it is characterised in that described device also includes:Writing module, for by the money
Partial information in gold stream managing detailed catalogue accordingly fills in the payment matched with remittance account into payment flowing water information list
In flowing water information.
10. device according to claim 9, it is characterised in that the cash flow managing detailed catalogue also includes:Remittance monitoring number
Code;
Described device also includes:Second enquiry module, the remittance monitoring number inquiry for being provided according to client pays flowing water letter
With the presence or absence of the payment flowing water information with remittance monitoring numbers match in breath list;
Module is returned, if for there is the payment flowing water information with remittance monitoring numbers match in payment flowing water information list, to
Client returns to account notification message;If believing in the absence of the payment flowing water with remittance monitoring numbers match in paying flowing water information list
Breath, returns to client and does not arrive account notification message.
11. device according to claim 8 or claim 9, it is characterised in that the cash flow managing detailed catalogue also includes:Trade gold
Volume;The payment flowing water packet is included:Virtual client account;
Described device also includes:Acquisition module, for obtaining the virtual client paid in flowing water information according to the remittance account
Account;
Module is supplemented with money, for being supplemented with money to virtual client account according to the dealing money;
Sending module, for sending successful recharging message to client.
12. devices according to claim 8, it is characterised in that the cash flow managing detailed catalogue also includes:Settlement Date;
First parsing module is further used for:Dissection process is carried out to the gathering chronological file, multiple money orders are obtained
Cash flow managing detailed catalogue and third party clearing ID;
Described device also includes:Aggregation process module, for according to the Settlement Date in the cash flow managing detailed catalogue
Dealing money carries out aggregation process, obtains turning the money amount of money;
Logging modle, for that will turn during money summary information recorded and turn money summary information list, wherein, it is described to turn money summary information
At least include:Turn the money amount of money, Settlement Date and the third party clearing ID.
13. devices according to claim 12, it is characterised in that wherein, described device also includes:Second receiver module,
The billing files that Secure File Transfer Protocol periodically sends are based on for receiving bank;
Second parsing module, for carrying out dissection process to the billing files, obtains bank's flowing water information, wherein, the silver
Row flowing water information includes:The third party settles accounts ID;
3rd enquiry module, turns to be tied with the third party in money summary information list for settling accounts ID inquiries according to the third party
That calculates ID matchings turns money summary information;
Verification module, for according to bank's flowing water information to turning to settle accounts ID with the third party in money summary information list
The money summary information that turns matched somebody with somebody is checked, and cross-check information table is filled according to checked result.
14. device according to claim any one of 8-10, it is characterised in that the remittance account is specially:Customer ID.
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CN107742216A (en) * | 2017-10-24 | 2018-02-27 | 东莞市盟大塑化科技有限公司 | A kind of fund allocation method for automatically confirming that bank settlement |
CN107945001A (en) * | 2017-11-28 | 2018-04-20 | 深圳市天下房仓科技有限公司 | A kind of financial data processing method, system and storage medium |
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CN112561675A (en) * | 2020-12-08 | 2021-03-26 | 中国航空结算有限责任公司 | Settlement method, settlement device, computer equipment and storage medium |
CN112561503A (en) * | 2020-12-08 | 2021-03-26 | 中国航空结算有限责任公司 | Settlement method, settlement device, computer equipment and storage medium |
CN112561675B (en) * | 2020-12-08 | 2024-03-29 | 中国航空结算有限责任公司 | Settlement method, settlement device, computer equipment and storage medium |
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