CN113052673A - Reconciliation clearing method and device, computer equipment and storage medium - Google Patents

Reconciliation clearing method and device, computer equipment and storage medium Download PDF

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CN113052673A
CN113052673A CN202110274261.2A CN202110274261A CN113052673A CN 113052673 A CN113052673 A CN 113052673A CN 202110274261 A CN202110274261 A CN 202110274261A CN 113052673 A CN113052673 A CN 113052673A
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transaction information
transaction
clearing
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data
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CN113052673B (en
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李夏夏
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Ping An Bank Co Ltd
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Ping An Bank Co Ltd
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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
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    • G06Q40/125—Finance or payroll

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Abstract

The invention discloses a reconciliation clearing method, a device, computer equipment and a storage medium, and belongs to the field of big data. The account-checking clearing method can carry out account-checking clearing on the corresponding second transaction information and the first transaction information corresponding to the second transaction information according to different clearing modes of the collected second transaction information of the merchant terminal, thereby realizing the purpose of automatically adopting the account-checking clearing on various merchant terminals based on different clearing modes, improving the clearing efficiency and having wider application range.

Description

Reconciliation clearing method and device, computer equipment and storage medium
Technical Field
The invention relates to the field of big data, in particular to a reconciliation clearing method, a reconciliation clearing device, computer equipment and a storage medium.
Background
The interest of the credit card refers to the attached benefits of members (such as video website members), airport pick-up machines, free insurance, gifts (such as draw-bar boxes and tickets) and the like which are given to card-transacting users after transacting the credit card. At present, banks mainly rely on manual management for credit card equity management, and because merchants providing credit card equity are numerous in number and various in calculation mode, all merchants providing equity products need to be checked one by one, and because calculation modes of different equity products may be different, the different calculation modes need to be checked and cleared respectively, and the existing clearing method has the limitation that only a single calculation mode can be adopted for clearing a specific merchant, different calculation modes cannot be adopted for multiple merchants, and the clearing method is single.
Disclosure of Invention
Aiming at the problem that the existing clearing method has limitation that only a single calculation mode can be adopted for clearing, an account-checking clearing method, an account-checking clearing device, a computer device and a storage medium which aim at adopting the account-checking clearing method for various merchant terminals based on different clearing modes are provided.
The invention provides a reconciliation clearing method, which comprises the following steps:
collecting first transaction information of a user terminal, and recording the first transaction information;
acquiring second transaction information of the merchant terminal, which is associated with the clearing mode, and recording the second transaction information;
and performing reconciliation clearing on the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode, wherein the clearing mode comprises the following steps: a real-time mode, a collection and payment mode and a collection and payment mode.
Optionally, the first transaction information includes: the pricing identifier and the first transaction data corresponding to the pricing model, the second transaction information comprises: a pattern identifier and second transaction data corresponding to the clearing pattern;
the reconciliation clearing of the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode comprises the following steps:
identifying a mode identifier in the second transaction information, and selecting a corresponding clearing mode according to the mode identifier;
identifying a pricing identifier in the first transaction information corresponding to the second transaction information, and selecting a corresponding pricing mode according to the pricing identifier, wherein the pricing mode comprises the following steps: a distribution pricing mode and a use pricing mode;
and performing account-checking clearing on the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information.
Optionally, the performing the reconciliation clearing on the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information includes:
when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the distribution pricing mode, carrying out real-time account-checking clearing on the first transaction data in the first transaction information corresponding to the second transaction information according to the second transaction data in the second transaction information;
and when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the usage pricing mode, monitoring the usage data of the first transaction information, and performing real-time reconciliation clearing on the first transaction data in the first transaction information and the second transaction data in the second transaction information corresponding to the first transaction information according to the usage data.
Optionally, the performing the reconciliation clearing on the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information includes:
when the clearing mode corresponding to the second transaction information is the collection and payment mode and the pricing mode of the first transaction information is the distribution and pricing mode, performing payment transaction based on the first transaction data in the first transaction information and performing collection transaction based on the second transaction data in the second transaction information; performing reconciliation clearing on the payment transaction data corresponding to the second transaction information of the merchant terminal and the payment transaction corresponding to the first transaction information corresponding to the second transaction information according to a clearing period associated with the clearing mode;
when the clearing mode corresponding to the second transaction information is the collection and payment mode and the pricing mode of the first transaction information is the usage pricing mode, performing payment transaction based on the first transaction data in the first transaction information, performing collection transaction based on the second transaction data in the second transaction information, monitoring usage data of the first transaction information according to a clearing period associated with the clearing mode, and performing account-checking clearing on the payment transaction data corresponding to the first transaction information and the collection transaction data corresponding to the second transaction information according to the usage data.
Optionally, the performing the reconciliation clearing on the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information includes:
when the clearing mode corresponding to the second transaction information is the reimbursement mode and the pricing mode of the first transaction information is the distribution pricing mode, respectively counting second transaction information of the merchant terminal and the first transaction information corresponding to the second transaction information, and when the counted second transaction data of the second transaction information meets a first preset transaction condition, performing account-checking clearing on the counted second transaction data and the counted first transaction data in the first transaction information;
when the clearing mode corresponding to the second transaction information is the balance mode and the pricing mode of the first transaction information is the usage pricing mode, monitoring the usage data of the first transaction information, respectively counting the first transaction information corresponding to the usage information and the second transaction information corresponding to the first transaction information, and when the counted first transaction data of the first transaction information meets a second preset transaction condition, carrying out account-checking clearing on the counted second transaction data and the counted first transaction data.
Optionally, the first preset transaction condition is:
counting whether the second transaction data of the merchant terminal reaches a preset first transaction amount or not
And counting that the transaction times of the second transaction data of the merchant terminal reach a first time threshold value.
Optionally, the second preset transaction condition is:
the first transaction data reaches a preset second transaction amount or
And the counted transaction times of the first transaction data reach a second time threshold value.
In order to achieve the above object, the present invention also provides a reconciliation clearing apparatus comprising:
the system comprises a first acquisition unit, a second acquisition unit and a processing unit, wherein the first acquisition unit is used for acquiring first transaction information of a user terminal and recording the first transaction information;
the second acquisition unit is used for acquiring second transaction information of the merchant terminal, which is associated with the clearing mode, and recording the second transaction information;
the clearing unit is used for carrying out reconciliation clearing on the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode, wherein the clearing mode comprises the following steps: a real-time mode, a collection and payment mode and a collection and payment mode.
To achieve the above object, the present invention further provides a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the above method when executing the computer program.
To achieve the above object, the present invention also provides a computer-readable storage medium having stored thereon a computer program which, when being executed by a processor, carries out the steps of the above method.
According to the reconciliation clearing method, the device, the computer equipment and the storage medium, the corresponding second transaction information and the first transaction information corresponding to the second transaction information can be subjected to reconciliation clearing according to different clearing modes of the second transaction information of the acquired merchant terminal, so that the aim of carrying out reconciliation clearing on various merchant terminals based on different clearing modes is fulfilled, the clearing efficiency is improved, and the application range is wider.
Drawings
FIG. 1 is a flow chart of one embodiment of a reconciliation clearing method of the present invention;
FIG. 2 is a flow diagram of one embodiment of reconciling second transaction information with first transaction information according to a clearance mode;
FIG. 3 is a block diagram of one embodiment of a reconciliation clearing device of the present invention;
FIG. 4 is an internal block diagram of one embodiment of a clearing unit according to the present invention;
fig. 5 is a hardware architecture diagram of one embodiment of the computer apparatus of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict.
The reconciliation clearing method, the device, the computer equipment and the storage medium provided by the invention are suitable for the field of financial business, such as a reconciliation list of credit card rights and interests. According to the invention, the corresponding second transaction information and the first transaction information corresponding to the second transaction information can be subjected to account checking according to different collected clearing modes of the second transaction information of the merchant terminal, so that the aim of automatically adopting various merchant terminals for carrying out account checking based on different clearing modes is fulfilled, the clearing efficiency is improved, and the application range is wider.
Example one
Referring to fig. 1, a reconciliation clearing method of the present embodiment may include the following steps:
s1, collecting first transaction information of a user terminal, and recording the first transaction information.
Wherein the first transaction information comprises: a pricing identifier corresponding to the pricing model and first transaction data. The first transaction data may include: the first transaction amount, the first transaction time, the first transaction number, the first order number and the like.
By way of example and not limitation, the first transaction information of the user terminal corresponding to different interest items based on the credit card may be video website member authorization transaction information, airport pick-up/pick-up transaction information, insurance transaction information, gift transaction information (such as tickets or draw-bar boxes, etc.), and the like.
In this embodiment, the first transaction information is stored in the first reconciliation task table.
It is emphasized that, in order to further ensure the privacy and security of the first transaction message, the first transaction message may also be stored in a node of a blockchain.
The reconciliation clearing method is mainly applied to clearing management of credit card equity items. The user using the credit card conducts a corresponding credit card entitlement transaction through the user terminal. The pricing identifier corresponds to a pricing model, which may include a distribution pricing model and a usage pricing model. Wherein, the distribution pricing mode is that the merchant terminal distributes the equity products to the user terminal, namely the transaction (such as presenting admission tickets, video website members, etc.) occurs at the user terminal; the user terminal generates transaction information (for example, the user uses an airport pick-up/delivery ticket) when the user terminal uses the equity product.
And S2, acquiring second transaction information of the merchant terminal, which is associated with the clearing mode, and recording the second transaction information.
Wherein the second transaction information comprises: a pattern identifier corresponding to the clearing pattern and second transaction data. The second transaction data may include: and the data comprise a second transaction amount, a second transaction time, a second transaction number, a second order number and the like. The clearing mode includes: a real-time mode, a collection and payment mode and a collection and payment mode.
In this embodiment, the second transaction information is stored in the second reconciliation task table.
It is emphasized that, in order to further ensure the privacy and security of the second transaction message, the second transaction message may also be stored in a node of a block chain.
In this embodiment, the merchant terminal is a merchant platform (e.g., a video website platform, a distribution/pickup platform, an insurance platform, a merchant platform providing gifts, etc.) providing the credit card benefits, and generates the second transaction information when the merchant terminal transmits/provides the credit card benefits to the user terminal. The real-time mode is real-time clearing, and if the merchant terminal sends the second transaction information, clearing is carried out in real time; the receiving and paying mode is that the intermediate platform receives the right and interest products provided by the merchant terminal, and meanwhile, the intermediate platform pays corresponding right and interest products to the user terminal; and the payment mode is to count the second transaction information generated by the merchant terminal/the first transaction information generated by the user terminal, and when the preset transaction condition is reached, the unified clearing is carried out.
And S3, carrying out account-checking clearing on the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode.
Further, step S3 referring to fig. 2 may include the following steps:
and S31, identifying a mode identifier in the second transaction information, and selecting the corresponding clearing mode according to the mode identifier.
And S32, identifying the pricing identifier in the first transaction information corresponding to the second transaction information, and selecting a corresponding pricing mode according to the pricing identifier.
Wherein the pricing model comprises: a dispatch pricing model and a usage pricing model.
And S33, carrying out account-checking clearing on the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information.
In this embodiment, when performing reconciliation, the second transaction number and the second order number in the second transaction information may be respectively matched with the first transaction number and the first order number in the first transaction information, and the first transaction data corresponding to the second transaction data is obtained, so as to perform reconciliation on the transaction data.
In an embodiment, when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the distribution pricing mode, step S33 may include: and performing real-time reconciliation clearing on the first transaction data in the first transaction information corresponding to the second transaction information according to the second transaction data in the second transaction information.
Specifically, when the clearing mode of the second transaction information is a real-time mode and the first transaction information corresponding to the second transaction information is a distribution pricing mode, the second transaction information in the second reconciliation task table and the corresponding first transaction information in the first reconciliation task table can be reconciled in real time, so that the effect of real-time clearing is achieved.
In an embodiment, when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the usage pricing mode, step S33 may include: monitoring the use data of the first transaction information, and performing real-time account checking and clearing on the first transaction data in the first transaction information and the second transaction data in the second transaction information corresponding to the first transaction information according to the use data.
In this embodiment, the usage data is a usage status of the user terminal for the received equity product, which includes an unused status and a used status.
Specifically, when the clearing mode of the second transaction information is a real-time mode and the first transaction information corresponding to the second transaction information is a use pricing mode, monitoring use data of the first transaction information, and when the use data are in use conditions, performing reconciliation clearing on the corresponding first transaction information in the first reconciliation task table and the corresponding second transaction information in the second reconciliation task table in real time; if the usage data is in an unused state, indicating that the user terminal is to enjoy the equity product, the user terminal does not perform the reconciliation.
In an embodiment, when the clearing mode corresponding to the second transaction information is the commission payment mode and the pricing mode of the first transaction information is the distribution pricing mode, step S33 may include: conducting a payment transaction based on the first transaction data in the first transaction information, and conducting a payment receiving transaction based on the second transaction data in the second transaction information; and performing reconciliation clearing on the payment transaction data corresponding to the second transaction information of the merchant terminal and the payment transaction of the first transaction information corresponding to the second transaction information according to the clearing period associated with the clearing mode.
Specifically, when the clearing mode of the second transaction information is a collection and payment-substitution mode and the first transaction information corresponding to the second transaction information is a distribution and pricing mode, payment transaction (substitution payment) can be performed according to the first transaction data in the first transaction information, the payment transaction data of the substitution payment is stored in the collection and payment task table, collection transaction (substitution collection) is performed based on the second transaction data in the second transaction information, collection transaction data of the substitution collection is stored in the collection and payment task table, and when the clearing period is reached, the payment transaction data in the substitution and payment task table and corresponding collection transaction data in the collection and payment task table are subjected to settlement.
In an embodiment, when the clearing mode corresponding to the second transaction information is the escrow mode, and the pricing mode of the first transaction information is the usage pricing mode, step S33 may include: the payment transaction is carried out based on the first transaction data in the first transaction information, the collection transaction is carried out based on the second transaction data in the second transaction information, the use data of the first transaction information is monitored according to a clearing period (such as a week and 1 month) associated with the clearing mode, and the payment transaction data corresponding to the first transaction information and the collection transaction data corresponding to the second transaction information are subjected to reconciliation clearing according to the use data.
Specifically, when the clearing mode of the second transaction information is a collection and payment-for-delivery mode and the first transaction information corresponding to the second transaction information is a use pricing mode, payment transaction (collection) can be performed according to the first transaction data in the first transaction information, the payment transaction data of the collection and payment is stored in a collection and payment task table, collection transaction (collection) is performed based on the second transaction data in the second transaction information, and collection transaction data of the collection and payment is stored in the collection and payment task table; and monitoring the use data (unused/used) of the first transaction information, and when the use data is in a use state, reconciling the payment transaction data in the payment agency task table with the corresponding collection transaction data in the collection agency task table.
In an embodiment, when the clearing mode corresponding to the second transaction information is the reimbursement mode, and the pricing mode of the first transaction information is the distribution pricing mode, step S33 may include: and respectively counting second transaction information of the merchant terminal and the first transaction information corresponding to the second transaction information, and when the counted second transaction data of the second transaction information meets a first preset transaction condition, performing account checking and clearing on the counted second transaction data and the counted first transaction data in the first transaction information.
It should be noted that, the first preset transaction condition is: and counting that the second transaction data of the merchant terminal reaches a preset first transaction amount, or counting that the transaction times of the second transaction data of the merchant terminal reaches a first time threshold.
Specifically, when the clearing mode of the second transaction information is an expense mode and the first transaction information corresponding to the second transaction information is a distribution pricing mode, the second transaction information in a second reconciliation task table of the merchant terminal is counted, when the second transaction information meets a first preset transaction condition, the first transaction information corresponding to the first reconciliation task table and the second transaction information is counted, and the counted transaction information in the second reconciliation task table and the transaction information in the first reconciliation task table are subjected to reconciliation clearing, so that the effect of batch reconciliation clearing is achieved.
In an embodiment, when the clearing mode corresponding to the second transaction information is the balance mode and the pricing mode of the first transaction information is the usage pricing mode, step S33 may include: monitoring the use data of the first transaction information, respectively counting the first transaction information corresponding to the use information and the second transaction information corresponding to the first transaction information, and when the counted first transaction data of the first transaction information meets a second preset transaction condition, performing reconciliation clearing on the counted second transaction data and the counted first transaction data.
It should be noted that the second preset transaction condition is: and counting that the first transaction data reaches a preset second transaction amount, or counting that the transaction times of the first transaction data reach a second time threshold value.
Specifically, when the clearing mode of the second transaction information is a balance mode and the first transaction information corresponding to the second transaction information is a use pricing mode, the use state of each first transaction information is monitored, the first transaction information in the use state in the first reconciliation task table is counted, meanwhile, the second transaction information corresponding to the first transaction information in the use state in the second reconciliation task table is counted, and when the counted first transaction information meets a second preset transaction condition, the counted transaction information in the first reconciliation task table and the transaction information in the second reconciliation task table are subjected to reconciliation clearing, so that the effect of batch reconciliation clearing is achieved.
The reconciliation clearing method in the embodiment can carry out reconciliation clearing on the corresponding second transaction information and the first transaction information corresponding to the second transaction information according to different clearing modes of the collected second transaction information of the merchant terminal, thereby realizing the purpose of carrying out reconciliation clearing on various merchant terminals automatically based on different clearing modes, improving the clearing efficiency and having wider application range. The invention realizes the transaction process and standardization of the equity products, realizes unified system control, improves the clearing efficiency, shortens the reconciliation process, reduces the labor cost and facilitates data tracking.
Example two
Referring to fig. 3, the reconciliation clearing device 1 of the present embodiment includes: a first acquisition unit 11, a second acquisition unit 12 and a clearing unit 13.
The first acquisition unit 11 is configured to acquire first transaction information of a user terminal and record the first transaction information.
Wherein the first transaction information comprises: a pricing identifier corresponding to the pricing model and first transaction data. The first transaction data may include: the first transaction amount, the first transaction time, the first transaction number, the first order number and the like.
By way of example and not limitation, the first transaction information of the user terminal corresponding to different interest items based on the credit card may be video website member authorization transaction information, airport pick-up/pick-up transaction information, insurance transaction information, gift transaction information (such as tickets or draw-bar boxes, etc.), and the like.
In this embodiment, the first transaction information is stored in the first reconciliation task table.
It is emphasized that, in order to further ensure the privacy and security of the first transaction message, the first transaction message may also be stored in a node of a blockchain.
The reconciliation clearing device 1 is mainly applied to the clearing management of credit card equity items. The user using the credit card conducts a corresponding credit card entitlement transaction through the user terminal. The pricing identifier corresponds to a pricing model, which may include a distribution pricing model and a usage pricing model. Wherein, the distribution pricing mode is that the merchant terminal distributes the equity products to the user terminal, namely the transaction (such as presenting admission tickets, video website members, etc.) occurs at the user terminal; the user terminal generates transaction information (for example, the user uses an airport pick-up/delivery ticket) when the user terminal uses the equity product.
And the second acquisition unit 12 is configured to acquire second transaction information of the merchant terminal, which is associated with the clearing mode, and record the second transaction information.
Wherein the second transaction information comprises: a pattern identifier corresponding to the clearing pattern and second transaction data. The second transaction data may include: and the data comprise a second transaction amount, a second transaction time, a second transaction number, a second order number and the like. The clearing mode includes: a real-time mode, a collection and payment mode and a collection and payment mode.
In this embodiment, the second transaction information is stored in the second reconciliation task table.
It is emphasized that, in order to further ensure the privacy and security of the second transaction message, the second transaction message may also be stored in a node of a block chain.
In this embodiment, the merchant terminal is a merchant platform (e.g., a video website platform, a distribution/pickup platform, an insurance platform, a merchant platform providing gifts, etc.) providing the credit card benefits, and generates the second transaction information when the merchant terminal transmits/provides the credit card benefits to the user terminal. The real-time mode is real-time clearing, and if the merchant terminal sends the second transaction information, clearing is carried out in real time; the receiving and paying mode is that the intermediate platform receives the right and interest products provided by the merchant terminal, and meanwhile, the intermediate platform pays corresponding right and interest products to the user terminal; and the payment mode is to count the second transaction information generated by the merchant terminal/the first transaction information generated by the user terminal, and when the preset transaction condition is reached, the unified clearing is carried out.
The clearing unit 13 is configured to perform reconciliation clearing on the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode, where the clearing mode includes: at least two modes of a real-time mode, a collection and payment mode and a collection and payment mode.
Further, referring to fig. 4, the liquidation unit 13 may include: a clearing identification module 131, a pricing identification module 132 and a clearing module 133.
And the clearing identification module 131 is configured to identify a mode identifier in the second transaction information, and select the corresponding clearing mode according to the mode identifier.
And the pricing identifying module 132 is configured to identify a pricing identifier in the first transaction information corresponding to the second transaction information, and select a corresponding pricing mode according to the pricing identifier.
Wherein the pricing model comprises: a dispatch pricing model and a usage pricing model.
The clearing module 133 is configured to perform reconciliation clearing on the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information.
In this embodiment, when performing reconciliation, the second transaction number and the second order number in the second transaction information may be respectively matched with the first transaction number and the first order number in the first transaction information, and the first transaction data corresponding to the second transaction data is obtained, so as to perform reconciliation on the transaction data.
In an embodiment, when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the distribution pricing mode, the clearing module 133 may perform real-time reconciliation on the first transaction data in the first transaction information corresponding to the second transaction information according to the second transaction data in the second transaction information.
Specifically, when the clearing mode of the second transaction information is a real-time mode and the first transaction information corresponding to the second transaction information is a distribution pricing mode, the second transaction information in the second reconciliation task table and the corresponding first transaction information in the first reconciliation task table can be reconciled in real time, so that the effect of real-time clearing is achieved.
In an embodiment, when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the usage pricing mode, the clearing module 133 may monitor usage data of the first transaction information, and perform real-time reconciliation clearing on the first transaction data in the first transaction information and the second transaction data in the second transaction information corresponding to the first transaction information according to the usage data.
In this embodiment, the usage data is a usage status of the user terminal for the received equity product, which includes an unused status and a used status.
Specifically, when the clearing mode of the second transaction information is a real-time mode and the first transaction information corresponding to the second transaction information is a use pricing mode, monitoring use data of the first transaction information, and when the use data are in use conditions, performing reconciliation clearing on the corresponding first transaction information in the first reconciliation task table and the corresponding second transaction information in the second reconciliation task table in real time; if the usage data is in an unused state, indicating that the user terminal is to enjoy the equity product, the user terminal does not perform the reconciliation.
In an embodiment, when the clearing mode corresponding to the second transaction information is the collecting and paying mode and the pricing mode of the first transaction information is the distribution and pricing mode, the clearing module 133 may perform a payment transaction based on the first transaction data in the first transaction information and perform a payment transaction based on the second transaction data in the second transaction information; and performing reconciliation clearing on the payment transaction data corresponding to the second transaction information of the merchant terminal and the payment transaction of the first transaction information corresponding to the second transaction information according to the clearing period associated with the clearing mode.
Specifically, when the clearing mode of the second transaction information is a collection and payment-substitution mode and the first transaction information corresponding to the second transaction information is a distribution and pricing mode, payment transaction (substitution payment) can be performed according to the first transaction data in the first transaction information, the payment transaction data of the substitution payment is stored in the collection and payment task table, collection transaction (substitution collection) is performed based on the second transaction data in the second transaction information, collection transaction data of the substitution collection is stored in the collection and payment task table, and when the clearing period is reached, the payment transaction data in the substitution and payment task table and corresponding collection transaction data in the collection and payment task table are subjected to settlement.
In an embodiment, when the clearing mode corresponding to the second transaction information is the commission and payment mode and the pricing mode of the first transaction information is the usage pricing mode, the clearing module 133 may perform a payment transaction based on the first transaction data in the first transaction information, perform a payment transaction based on the second transaction data in the second transaction information, monitor usage data of the first transaction information according to a clearing period (e.g., one week, 1 month) associated with the clearing mode, and perform reconciliation on payment transaction data corresponding to the first transaction information and payment transaction data corresponding to the second transaction information according to the usage data.
Specifically, when the clearing mode of the second transaction information is a collection and payment-for-delivery mode and the first transaction information corresponding to the second transaction information is a use pricing mode, payment transaction (collection) can be performed according to the first transaction data in the first transaction information, the payment transaction data of the collection and payment is stored in a collection and payment task table, collection transaction (collection) is performed based on the second transaction data in the second transaction information, and collection transaction data of the collection and payment is stored in the collection and payment task table; and monitoring the use data (unused/used) of the first transaction information, and when the use data is in a use state, reconciling the payment transaction data in the payment agency task table with the corresponding collection transaction data in the collection agency task table.
In an embodiment, when the clearing mode corresponding to the second transaction information is the reimbursement mode and the pricing mode of the first transaction information is the distribution pricing mode, the clearing module 133 may count second transaction information of the merchant terminal and the first transaction information corresponding to the second transaction information respectively, and when the counted second transaction data of the second transaction information satisfies a first preset transaction condition, perform reconciliation clearing on the counted second transaction data and the counted first transaction data in the first transaction information.
It should be noted that, the first preset transaction condition is: and counting that the second transaction data of the merchant terminal reaches a preset first transaction amount, or counting that the transaction times of the second transaction data of the merchant terminal reaches a first time threshold.
Specifically, when the clearing mode of the second transaction information is an expense mode and the first transaction information corresponding to the second transaction information is a distribution pricing mode, the second transaction information in a second reconciliation task table of the merchant terminal is counted, when the second transaction information meets a first preset transaction condition, the first transaction information corresponding to the first reconciliation task table and the second transaction information is counted, and the counted transaction information in the second reconciliation task table and the transaction information in the first reconciliation task table are subjected to reconciliation clearing, so that the effect of batch reconciliation clearing is achieved.
In an embodiment, when the clearing mode corresponding to the second transaction information is the reimbursement mode and the pricing mode of the first transaction information is the usage pricing mode, the clearing module 133 may monitor usage data of the first transaction information, count the first transaction information corresponding to the usage information and the second transaction information corresponding to the first transaction information respectively, and when the counted first transaction data of the first transaction information satisfies a second preset transaction condition, perform reconciliation clearing on the counted second transaction data and the counted first transaction data.
It should be noted that the second preset transaction condition is: and counting that the first transaction data reaches a preset second transaction amount, or counting that the transaction times of the first transaction data reach a second time threshold value.
Specifically, when the clearing mode of the second transaction information is a balance mode and the first transaction information corresponding to the second transaction information is a use pricing mode, the use state of each first transaction information is monitored, the first transaction information in the use state in the first reconciliation task table is counted, meanwhile, the second transaction information corresponding to the first transaction information in the use state in the second reconciliation task table is counted, and when the counted first transaction information meets a second preset transaction condition, the counted transaction information in the first reconciliation task table and the transaction information in the second reconciliation task table are subjected to reconciliation clearing, so that the effect of batch reconciliation clearing is achieved.
The reconciliation clearing device 1 in this embodiment collects the first transaction information of the user terminal through the first collection unit 11, and adopts the clearing unit 13 to carry out reconciliation clearing on the corresponding second transaction information and the first transaction information corresponding to the second transaction information according to the difference of the clearing modes of the second transaction information of the merchant terminal collected by the second collection unit 12, thereby realizing the purpose of carrying out reconciliation clearing on various merchant terminals automatically based on different clearing modes, improving the clearing efficiency, and having wider application range. The invention realizes the transaction process and standardization of the equity products, realizes unified system control, improves the clearing efficiency, shortens the reconciliation process, reduces the labor cost and facilitates data tracking.
EXAMPLE III
In order to achieve the above object, the present invention further provides a computer device 2, where the computer device 2 includes a plurality of computer devices 2, components of the reconciliation clearing device 1 in the second embodiment can be dispersed in different computer devices 2, and the computer device 2 can be a smartphone, a tablet computer, a notebook computer, a desktop computer, a rack server, a blade server, a tower server or a cabinet server (including an independent server or a server cluster formed by a plurality of servers) for executing programs, and the like. The computer device 2 of the present embodiment includes at least, but is not limited to: a memory 21, a processor 23, a network interface 22, and the reconciliation clearing device 1 (refer to fig. 5) which can be communicatively connected to each other through a system bus. It is noted that fig. 5 only shows the computer device 2 with components, but it is to be understood that not all of the shown components are required to be implemented, and that more or less components may be implemented instead.
In this embodiment, the memory 21 includes at least one type of computer-readable storage medium, which includes a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, and the like. In some embodiments, the storage 21 may be an internal storage unit of the computer device 2, such as a hard disk or a memory of the computer device 2. In other embodiments, the memory 21 may also be an external storage device of the computer device 2, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), or the like provided on the computer device 2. Of course, the memory 21 may also comprise both an internal storage unit of the computer device 2 and an external storage device thereof. In this embodiment, the memory 21 is generally used for storing an operating system installed in the computer device 2 and various types of application software, such as program codes of the reconciliation method of the first embodiment. Further, the memory 21 may also be used to temporarily store various types of data that have been output or are to be output.
The processor 23 may be a Central Processing Unit (CPU), a controller, a microcontroller, a microprocessor, or other data Processing chip in some embodiments. The processor 23 is typically used for controlling the overall operation of the computer device 2, such as performing control and processing related to data interaction or communication with the computer device 2. In this embodiment, the processor 23 is configured to run the program code stored in the memory 21 or process data, for example, run the reconciliation accounting device 1.
The network interface 22 may comprise a wireless network interface or a wired network interface, and the network interface 22 is typically used to establish a communication connection between the computer device 2 and other computer devices 2. For example, the network interface 22 is used to connect the computer device 2 to an external terminal through a network, establish a data transmission channel and a communication connection between the computer device 2 and the external terminal, and the like. The network may be a wireless or wired network such as an Intranet (Intranet), the Internet (Internet), a Global System of Mobile communication (GSM), Wideband Code Division Multiple Access (WCDMA), a 4G network, a 5G network, Bluetooth (Bluetooth), Wi-Fi, and the like.
It is noted that fig. 5 only shows the computer device 2 with components 21-23, but it is to be understood that not all shown components are required to be implemented, and that more or less components may be implemented instead.
In this embodiment, the reconciliation clearing device 1 stored in the memory 21 can also be divided into one or more program modules, which are stored in the memory 21 and executed by one or more processors (in this embodiment, the processor 23) to complete the present invention.
Example four
To achieve the above objects, the present invention also provides a computer-readable storage medium including a plurality of storage media such as a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, a server, an App application store, etc., on which a computer program is stored, which when executed by the processor 23, implements corresponding functions. The computer-readable storage medium of the present embodiment is used for storing the reconciliation clearing device 1, and when executed by the processor 23, implements the reconciliation clearing method of the first embodiment.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
The block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product service layer, an application service layer, and the like.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.

Claims (10)

1. A method of reconciliation clearing comprising:
collecting first transaction information of a user terminal, and recording the first transaction information;
acquiring second transaction information of the merchant terminal, which is associated with the clearing mode, and recording the second transaction information;
and performing reconciliation clearing on the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode, wherein the clearing mode comprises the following steps: a real-time mode, a collection and payment mode and a collection and payment mode.
2. The reconciliation clearing method of claim 1 wherein the first transaction information comprises: the pricing identifier and the first transaction data corresponding to the pricing model, the second transaction information comprises: a pattern identifier and second transaction data corresponding to the clearing pattern;
the reconciliation clearing of the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode comprises:
identifying a mode identifier in the second transaction information, and selecting a corresponding clearing mode according to the mode identifier;
identifying a pricing identifier in the first transaction information corresponding to the second transaction information, and selecting a corresponding pricing mode according to the pricing identifier, wherein the pricing mode comprises the following steps: a distribution pricing mode and a use pricing mode;
and performing account-checking clearing on the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information.
3. The reconciliation clearing method of claim 2, wherein the reconciliation clearing of the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information comprises:
when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the distribution pricing mode, carrying out real-time account-checking clearing on the first transaction data in the first transaction information corresponding to the second transaction information according to the second transaction data in the second transaction information;
and when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the usage pricing mode, monitoring the usage data of the first transaction information, and performing real-time reconciliation clearing on the first transaction data in the first transaction information and the second transaction data in the second transaction information corresponding to the first transaction information according to the usage data.
4. The reconciliation clearing method of claim 2, wherein the reconciliation clearing of the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information comprises:
when the clearing mode corresponding to the second transaction information is the collection and payment mode and the pricing mode of the first transaction information is the distribution and pricing mode, performing payment transaction based on the first transaction data in the first transaction information and performing collection transaction based on the second transaction data in the second transaction information; performing reconciliation clearing on the payment transaction data corresponding to the second transaction information of the merchant terminal and the payment transaction corresponding to the first transaction information corresponding to the second transaction information according to a clearing period associated with the clearing mode;
when the clearing mode corresponding to the second transaction information is the collection and payment mode and the pricing mode of the first transaction information is the usage pricing mode, performing payment transaction based on the first transaction data in the first transaction information, performing collection transaction based on the second transaction data in the second transaction information, monitoring usage data of the first transaction information according to a clearing period associated with the clearing mode, and performing account-checking clearing on the payment transaction data corresponding to the first transaction information and the collection transaction data corresponding to the second transaction information according to the usage data.
5. The reconciliation clearing method of claim 2, wherein the reconciliation clearing of the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information comprises:
when the clearing mode corresponding to the second transaction information is the reimbursement mode and the pricing mode of the first transaction information is the distribution pricing mode, respectively counting second transaction information of the merchant terminal and the first transaction information corresponding to the second transaction information, and when the counted second transaction data of the second transaction information meets a first preset transaction condition, performing account-checking clearing on the counted second transaction data and the counted first transaction data in the first transaction information;
when the clearing mode corresponding to the second transaction information is the balance mode and the pricing mode of the first transaction information is the usage pricing mode, monitoring the usage data of the first transaction information, respectively counting the first transaction information corresponding to the usage information and the second transaction information corresponding to the first transaction information, and when the counted first transaction data of the first transaction information meets a second preset transaction condition, carrying out account-checking clearing on the counted second transaction data and the counted first transaction data.
6. The reconciliation clearing method of claim 5 wherein the first preset transaction condition is:
counting whether the second transaction data of the merchant terminal reaches a preset first transaction amount or not
And counting that the transaction times of the second transaction data of the merchant terminal reach a first time threshold value.
7. The reconciliation clearing method of claim 5 wherein the second preset transaction condition is:
the first transaction data reaches a preset second transaction amount or
And the counted transaction times of the first transaction data reach a second time threshold value.
8. A reconciliation clearing device, comprising:
the system comprises a first acquisition unit, a second acquisition unit and a processing unit, wherein the first acquisition unit is used for acquiring first transaction information of a user terminal and recording the first transaction information;
the second acquisition unit is used for acquiring second transaction information of the merchant terminal, which is associated with the clearing mode, and recording the second transaction information;
the clearing unit is used for carrying out reconciliation clearing on the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode, wherein the clearing mode comprises the following steps: a real-time mode, a collection and payment mode and a collection and payment mode.
9. A computer arrangement comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the method of any one of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.
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