CN113205402A - Account checking method and device, electronic equipment and computer readable medium - Google Patents
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Abstract
The invention belongs to the technical field of Internet and the like, and provides an account checking method, an account checking device, electronic equipment and a computer readable medium, which are used for checking account information in business data, wherein the account checking method comprises the following steps: acquiring service data from a service database at regular time and storing the service data into a data warehouse; configuring account checking task parameters on the account checking center platform, wherein the account checking task parameters comprise: reconciliation data source and reconciliation rule; taking out target business data from the data warehouse according to the reconciliation data source; and performing account checking processing on the target business data according to the account checking rule to generate an account checking result. The account checking method, the account checking device, the electronic equipment and the computer readable medium can be used for checking accounts in real time and finding out accounting problems in real time along with the progress of an order, so that the fund safety is ensured; and the system logic problem can be found in time, and the correctness of order task processing is ensured.
Description
Technical Field
The present disclosure relates to the field of computer information processing, and in particular, to a reconciliation method, an apparatus, an electronic device, and a computer-readable medium.
Background
The traditional account checking is to check accounts, and refers to the work of checking and checking related data in accounts in order to ensure the records of the accounts to be correct and reliable in accounting. In bank or third-party payment, the reconciliation is a process of confirming both parties of the transaction in a certain period, generally, the bank or third-party payment company carries out the clearing of the transaction in the previous day, generates a statement for the platform merchant to download, and settles the payment to be settled to the platform merchant. In the next layer, in the internet financial industry or the e-commerce industry, the reconciliation is to confirm the correctness of the transaction and the fund with the payment provider (bank and the second party for payment) in a fixed period, and ensure that the transaction and the fund of both parties are consistent and correct.
In the internet industry, as long as payment is involved, the demand of account checking is inevitable, almost all internet companies involve payment in business, and a larger company is provided with a third-party payment company, so that account checking is universal. The account checking system is the most important ring in a payment system and is the last line of defense for ensuring the safety of transactions and funds. Common reconciliation systems are generally pairwise reconciliation of systems in companies or reconciliation of companies and three parties, and financial problems caused by a plurality of systems can be discovered only when the financial reconciliation is carried out at the end of each month.
Therefore, a new reconciliation method, apparatus, electronic device and computer readable medium are needed.
The above information disclosed in this background section is only for enhancement of understanding of the background of the disclosure and therefore it may contain information that does not constitute prior art that is already known to a person of ordinary skill in the art.
Disclosure of Invention
In view of the above, the present disclosure provides an account checking method, an apparatus, an electronic device, and a computer readable medium, which can follow the progress of an order, perform account checking in real time and discover accounting problems in real time, and ensure fund security; and the system logic problem can be found in time, and the correctness of order task processing is ensured.
Additional features and advantages of the disclosure will be set forth in the detailed description which follows, or in part will be obvious from the description, or may be learned by practice of the disclosure.
According to an aspect of the present disclosure, a reconciliation method is provided for reconciling account information in business data, the method including: acquiring service data from a service database at regular time and storing the service data into a data warehouse; configuring account checking task parameters on the account checking center platform, wherein the account checking task parameters comprise: reconciliation data source and reconciliation rule; taking out target business data from the data warehouse according to the reconciliation data source; and performing account checking processing on the target business data according to the account checking rule to generate an account checking result.
In an exemplary embodiment of the present disclosure, further comprising: and establishing a reconciliation center platform, wherein the reconciliation center platform comprises a reconciliation center database and a reconciliation engine.
In an exemplary embodiment of the present disclosure, retrieving target business data from the data warehouse according to the tie-out data source includes: and taking out account information in the target business data from the data warehouse according to the reconciliation data source and storing the account information in a reconciliation center database.
In an exemplary embodiment of the present disclosure, retrieving target business data from the data warehouse according to the tie-out data source includes: extracting account checking data types, account checking data storage positions and account checking data extraction rules from the account checking data sources; determining at least one business datum based on the reconciliation data type and the reconciliation data storage position; and extracting target business data from the at least one target business data based on the reconciliation data extraction rule.
In an exemplary embodiment of the present disclosure, reconciling the target business data according to the reconciliation rule to generate a reconciliation result includes: and the reconciliation engine performs reconciliation processing on the target business data according to the reconciliation rule to generate a reconciliation result.
In an exemplary embodiment of the present disclosure, reconciling the target business data according to the reconciliation rule to generate a reconciliation result includes: extracting comparison contents and comparison rules from the account checking rules; extracting a plurality of account data from the target business data according to the comparison content; and performing reconciliation processing on the plurality of account data according to the comparison rule to generate a reconciliation result.
In an exemplary embodiment of the present disclosure, extracting a plurality of account data from the target business data according to the comparison content includes: when the comparison content comprises a plurality of third party transactions, obtaining the target business data through payment channels of a plurality of participants; and extracting payment information and payment return information from the target business data based on the order identification.
In an exemplary embodiment of the present disclosure, extracting a plurality of account data from the target business data according to the comparison content includes: when the comparison content comprises a plurality of link transactions, extracting the business data of a plurality of orders based on the relevance of the orders; and extracting the order amount, the transaction state and the order quantity from the service data of the orders based on the order identification.
In an exemplary embodiment of the present disclosure, reconciling the plurality of account data according to the comparison rule to generate a reconciliation result includes: extracting association rules from the reconciliation rules; acquiring a correlation reconciliation task based on the correlation rule; processing the correlation reconciliation task to generate a reconciliation result; and/or pushing the reconciliation result to the correlation reconciliation task.
In an exemplary embodiment of the present disclosure, reconciling the plurality of account data according to the comparison rule to generate a reconciliation result includes: extracting a difference processing rule from the account checking rule; and when the account checking results are inconsistent, generating warning information according to the difference processing rule.
According to an aspect of the present disclosure, an account checking apparatus is provided for checking account information in business data, the apparatus including: the data module is used for acquiring service data from the service database at regular time and storing the service data into the data warehouse; a configuration module, configured to configure reconciliation task parameters at the reconciliation center platform, where the reconciliation task parameters include: reconciliation data source and reconciliation rule; the extraction module is used for extracting target business data from the data warehouse according to the reconciliation data source; and the account checking module is used for performing account checking processing on the target business data according to the account checking rule to generate an account checking result.
According to an aspect of the present disclosure, an electronic device is provided, the electronic device including: one or more processors; storage means for storing one or more programs; when executed by one or more processors, cause the one or more processors to implement a method as above.
According to an aspect of the disclosure, a computer-readable medium is proposed, on which a computer program is stored, which program, when being executed by a processor, carries out the method as above.
According to the account checking method, the account checking device, the electronic equipment and the computer readable medium, business data are obtained from a business database at regular time and stored in a data warehouse; configuring account checking task parameters on the account checking center platform, wherein the account checking task parameters comprise: reconciliation data source and reconciliation rule; taking out target business data from the data warehouse according to the reconciliation data source; the mode of carrying out account checking processing on the target business data according to the account checking rule to generate an account checking result can follow the progress of an order, carry out account checking in real time and discover account problems in real time, and ensure fund safety; and the system logic problem can be found in time, and the correctness of order task processing is ensured.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.
Drawings
Fig. 1 is a system block diagram illustrating a reconciliation method and apparatus according to an example embodiment.
Fig. 2 is a flow chart illustrating a reconciliation method in accordance with an exemplary embodiment.
Fig. 3 is a schematic diagram illustrating a reconciliation method according to another exemplary embodiment.
Fig. 4 is a flow chart illustrating a reconciliation method according to another exemplary embodiment.
Fig. 5 is a flow chart illustrating a reconciliation method according to another exemplary embodiment.
Fig. 6 is a block diagram illustrating a reconciliation apparatus in accordance with an exemplary embodiment.
FIG. 7 is a block diagram illustrating an electronic device in accordance with an example embodiment.
FIG. 8 is a block diagram illustrating a computer-readable medium in accordance with an example embodiment.
Detailed Description
In describing particular embodiments, specific details of structures, properties, effects, or other features are set forth in order to provide a thorough understanding of the embodiments by one skilled in the art. However, it is not excluded that a person skilled in the art may implement the invention in a specific case without the above-described structures, performances, effects or other features.
The flow chart in the drawings is only an exemplary flow demonstration, and does not represent that all the contents, operations and steps in the flow chart are necessarily included in the scheme of the invention, nor does it represent that the execution is necessarily performed in the order shown in the drawings. For example, some operations/steps in the flowcharts may be divided, some operations/steps may be combined or partially combined, and the like, and the execution order shown in the flowcharts may be changed according to actual situations without departing from the gist of the present invention.
The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.
The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
It will be understood that, although the terms first, second, third, etc. may be used herein to describe various components, these components should not be limited by these terms. These terms are used to distinguish one element from another. Thus, a first component discussed below may be termed a second component without departing from the teachings of the disclosed concept. As used herein, the term "and/or" includes any and all combinations of one or more of the associated listed items.
It is to be understood by those skilled in the art that the drawings are merely schematic representations of exemplary embodiments, and that the blocks or processes shown in the drawings are not necessarily required to practice the present disclosure and are, therefore, not intended to limit the scope of the present disclosure.
Fig. 1 is a system block diagram illustrating a reconciliation method, apparatus, electronic device and computer-readable medium in accordance with an example embodiment.
As shown in fig. 1, the system architecture 10 may include terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the terminal devices 101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
The user may use the terminal devices 101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The terminal devices 101, 102, 103 may have various communication client applications installed thereon, such as a shopping application, a web browser application, a search application, an instant messaging tool, a mailbox client, social platform software, and the like.
The terminal devices 101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 105 may be a server that provides various services, such as a background management server that supports a home service-type website browsed by a user using the terminal devices 101, 102, 103. The background management server can perform reconciliation and other processing on the received home administration service order data and feed back a reconciliation processing result to the administrator.
The server 105 may, for example, periodically obtain business data from a business database and store the business data in a data repository; the server 105 may configure reconciliation task parameters, for example, at the reconciliation center platform, including: reconciliation data source and reconciliation rule; server 105 may retrieve target business data from the data warehouse, for example, according to the reconciliation data source; the server 105 may perform reconciliation processing on the target business data according to the reconciliation rule to generate a reconciliation result, for example.
The server 105 can also, for example, establish a reconciliation center platform that includes a reconciliation center database and a reconciliation engine.
The server 105 may be a single entity server, or may be composed of a plurality of servers, for example, it should be noted that the reconciliation method provided by the embodiment of the present disclosure may be executed by the server 105, and accordingly, the reconciliation apparatus may be disposed in the server 105. The web page end for browsing the goods and the request end for inquiring the merchant provided for the user are generally located in the terminal devices 101, 102, 103.
Fig. 2 is a flow chart illustrating a reconciliation method in accordance with an exemplary embodiment. The reconciliation method 20 comprises at least steps S202 to S208.
As shown in fig. 2, in S202, service data is periodically obtained from the service database and stored in the data warehouse.
In one embodiment, further comprising: and establishing a reconciliation center platform, wherein the reconciliation center platform comprises a reconciliation center database and a reconciliation engine.
More specifically, for example, the account information in the target business data can be taken out from the data warehouse according to the reconciliation data source and stored in the reconciliation center database.
In S204, configuring reconciliation task parameters at the reconciliation center platform, where the reconciliation task parameters include: reconciliation data sources and reconciliation rules. The method comprises the following steps: extracting account checking data types, account checking data storage positions and account checking data extraction rules from the account checking data sources; determining at least one business datum based on the reconciliation data type and the reconciliation data storage position; and extracting target business data from the at least one target business data based on the reconciliation data extraction rule.
In S206, the target business data is retrieved from the data warehouse according to the reconciliation data source.
In S208, performing reconciliation processing on the target business data according to the reconciliation rule to generate a reconciliation result. For example, the reconciliation engine performs reconciliation processing on the target business data according to the reconciliation rule to generate a reconciliation result.
The reconciliation processing of the target business data according to the reconciliation rule to generate a reconciliation result comprises the following steps: extracting comparison contents and comparison rules from the account checking rules; extracting a plurality of account data from the target business data according to the comparison content; and performing reconciliation processing on the plurality of account data according to the comparison rule to generate a reconciliation result.
Extracting a plurality of account data from the target business data according to the comparison content, wherein the extracting comprises the following steps: when the comparison content comprises a plurality of third party transactions, obtaining the target business data through payment channels of a plurality of participants; and extracting payment information and payment return information from the target business data based on the order identification.
Extracting a plurality of account data from the target business data according to the comparison content, wherein the extracting comprises the following steps: when the comparison content comprises a plurality of link transactions, extracting the business data of a plurality of orders based on the relevance of the orders; and extracting the order amount, the transaction state and the order quantity from the service data of the orders based on the order identification.
The reconciliation processing of the plurality of account data according to the comparison rule to generate a reconciliation result includes: extracting association rules from the reconciliation rules; acquiring a correlation reconciliation task based on the correlation rule; processing the correlation reconciliation task to generate a reconciliation result; and/or pushing the reconciliation result to the correlation reconciliation task.
In one embodiment, a difference processing rule can also be extracted from the reconciliation rule, for example; and when the account checking results are inconsistent, generating warning information according to the difference processing rule.
According to the account checking method disclosed by the invention, business data are regularly acquired from a business database and stored in a data warehouse; configuring account checking task parameters on the account checking center platform, wherein the account checking task parameters comprise: reconciliation data source and reconciliation rule; taking out target business data from the data warehouse according to the reconciliation data source; the mode of carrying out account checking processing on the target business data according to the account checking rule to generate an account checking result can follow the progress of an order, carry out account checking in real time and discover account problems in real time, and ensure fund safety; and the system logic problem can be found in time, and the correctness of order task processing is ensured.
It should be clearly understood that this disclosure describes how to make and use particular examples, but the principles of this disclosure are not limited to any details of these examples. Rather, these principles can be applied to many other embodiments based on the teachings of the present disclosure.
The whole order processing flow relates to a plurality of nodes, and the source data formats and comparison rules of the nodes are different. If all nodes access the reconciliation center in this disclosure, the access cost is the first issue. However, if the access steps are complicated, labor and time are wasted, and some nodes are unavailable for access, the accuracy of the whole account checking is affected.
In order to solve the problem, the application designs the function of a configuration center for the reconciliation center. As shown in fig. 3, in the reconciliation center of the present application, the common attribute of the reconciliation process is abstracted by a hierarchical data extraction manner and attributes related to the business are stripped one by one. For example, data classification, account checking task classification, where to take, an access rule, an effective interval of the account checking task, execution frequency, comparison content, a comparison rule (for example, whether the same order is combined and summarized, whether the same account is subjected to netting processing), whether to associate other task results, a responsible person, a difference processing rule, and the like, all of which can be configured in a configuration center, so that the effect of zero development access is achieved, and the effect is effective in real time.
Fig. 4 is a flow chart illustrating a reconciliation method according to another exemplary embodiment. The flow 40 shown in fig. 4 is a detailed description of "performing reconciliation processing on the target business data according to the reconciliation rule to generate a reconciliation result" in S208 in the flow shown in fig. 2.
As shown in fig. 4, in S402, the service data is acquired by the service database. The business database stores business data, and the business database can be stored and sorted according to the order identification.
Regarding account checking of mass data, there are generally two ways for a data source in a common scheme: 1) the access side provides an account checking data file, and the account checking center analyzes the file content to the memory for comparison at one time. If the data volume is large and limited by the size of the memory, the contents of the file need to be read by the reconciliation center in a segmented manner for many times, or the access party splits one file into a plurality of files. The solution of dividing and checking the effect greatly improves the complexity of both the access party and the reconciliation center, and the stability and the accuracy can not be ensured. The problems of interruption, data loss and data repetition exist in the segmented reading; the file splitting can cause the problems that the file sequence and the same data are dispersed in different files. In addition, the real-time performance of the file form is not high, and the file can be used only by the reconciliation center after data is acquired and a file uploading file is generated. 2) The data to be compared is directly inquired in batches from the database of the access party, and compared with a data source in a file form, the scheme has better support and real-time performance for mass data. However, a serious problem exists in that the reconciliation center occupies database resources for a long time during the execution of the reconciliation task, so that a normal business system is influenced, the coupling degree between the reconciliation center and the business system is very high, and the system design rule is not met.
According to the method, data are directly acquired from the data warehouse, so that the limitation of the size of a file data source is avoided, a service system is not affected, and timeliness can be guaranteed.
In S404, an order identifier and at least one corresponding order processing information are extracted from the service data. The order state corresponding to the order identification can be extracted, for example; acquiring a data acquisition rule corresponding to the order state; and extracting the at least one order processing information from the business data based on the access rule, wherein each order processing information corresponds to one order state.
In S406, multi-party information corresponding to the at least one order processing information is acquired. And extracting the upper and lower level information of order processing according to the extracted data.
In S408, reconciling the at least one order processing information based on the multi-party information, the reconciliation comprising: transaction reconciliation, multi-party reconciliation, financial reconciliation. More specifically, order processing information is obtained based on the order state so as to carry out transaction reconciliation; extracting a plurality of order processing information based on the correlation between the at least one order status for transaction reconciliation; acquiring order processing information based on a plurality of participants to carry out multi-party reconciliation; order processing information is obtained for financial reconciliation.
In one embodiment, a reconciliation processing flow of a home service platform is taken as an example for detailed description, and the home service platform includes: the customer, aunt home affairs and home affairs service platform can also comprise: aunt home services belong to a home services company (the aunt home services can not belong to a certain company and take tasks on a home services platform as an independent user form).
The basic flow for a common transaction may be as follows:
after the client places an order, order and bill information can be generated, at this time, the order-bill reconciliation can be configured in the reconciliation center, the information such as the amount and the state corresponding to the same order ID can be checked, and whether the records of the order system and the bill system are consistent or not can be checked. Coupons, membership cards may be used when placing orders, and reconciliation between order-coupon and order-membership card may also need to be configured.
After the customer pays (taking the pay pal as an example), the business system and the pay pal generate corresponding payment information (the granularity is generally at a bill level). Therefore, payment record-payment reconciliation needs to be configured, and the reconciliation with three parties (WeChat, Payment treasured, bank and the like) is limited to the three parties, and the time efficiency is generally T +1 (payment information also needs to be reconciled with order information).
After the home administration service company to which aunt belongs enters account and the order is finished (the user confirms that the service is finished), the order enters a clearing system to calculate the amount of money to be cleared to the merchant according to preset clearing and settlement rules, and synchronously change the balance of an internal account, supervise the balance of the account (bank account) and record the running of the account. The reconciliation center at this stage needs to be configured: clearing-settlement, settlement-internal accounts (orders, third parties, etc.), internal accounts-checking accounts that govern the flow of accounts involved.
Aunt home administration carries out cash, and the aunt home administration can see the corresponding balance in the account of the aunt home administration. After the cash withdrawal is selected, the cash withdrawal system, the internal account and the supervision account have corresponding running records and account balance deduction. The reconciliation center at this stage needs to be configured: reconcile between cash-internal account, internal account-administrative account.
In one embodiment, further comprising: and when the account checking result is consistent, allowing the user order to enter the next transaction link. For example, the order state is a state in which third-party payment is to be performed, if an account checking problem is found at this time, the next processing flow is tentatively performed, and the order is manually checked according to the warning information at the current stage. So as to avoid bringing more accounting problems when the order enters the next process and expand the influence range.
Furthermore, all the source data and comparison results participating in reconciliation can be stored in a database. And comparing the errors, and sending alarm information to the corresponding responsible person. The checking and processing are carried out by a person in charge, after the problem is processed, if correct data can be regenerated, the checking task needs to be executed again, and the checking center can automatically repair the previous wrong checking result. If the correct data cannot be repaired, the account checking center also supports special processing of account checking results, so that subsequent account checking tasks can be smoothly executed.
Fig. 5 is a flow chart illustrating a reconciliation method according to another exemplary embodiment. The flow 50 shown in fig. 3 is a detailed description of "reconciling the at least one order processing information based on the multi-party information" in S408 in the flow shown in fig. 4.
As shown in fig. 5, in S502, reconciliation is performed on the at least one order processing information based on the multi-party information.
In S504, order processing information is acquired based on the order status to perform a transaction reconciliation. Order processing information may be obtained based on the order status, the order processing information including: the method comprises the steps of obtaining order information and bill information, wherein the order information and the bill information comprise order amount, transaction state and order quantity; and performing transaction reconciliation according to the order information and the bill information.
The obtaining of order processing information based on the order state includes: acquiring the order information by an order system according to the order state; and acquiring the bill information by a bill system according to the order state.
In one embodiment, order information and billing information may be generated from a customer's user order, wherein the order information and the billing information each include an order amount, a transaction status, and an order quantity; storing the order information in an order system; storing the billing information in a billing system; extracting the order information and the bill information based on the order identification of the user order, and checking; and when the inconsistency is checked, generating warning information.
In S506, a plurality of order processing information is extracted for the trade reconciliation based on the correlation between the at least one order status. Order processing information corresponding to the current order state can be extracted; extracting order processing information corresponding to the previous order state; and performing transaction reconciliation according to the order processing information corresponding to the current order state and the previous order state.
In one embodiment, after the transfer operation for paying aunt home administration is completed, the cash withdrawal information and the running record can be generated according to the cash withdrawal operation of aunt home administration, and the cash withdrawal information and the running record comprise the order amount; storing the cash-out information in a service system; storing the flow record in a regulatory account system; checking the withdrawal information and the running record; checking the cash-out information with the administrative account, the payment information, the order information and the bill information; and when the inconsistency is checked, generating warning information.
In S508, order processing information is acquired based on a plurality of participants to conduct multiparty reconciliation. Order information and payment information corresponding to order processing information can be acquired through payment channels of a plurality of participants, wherein the payment information comprises order amount; obtaining payment return information corresponding to the payment information through payment channels of a plurality of participants, wherein the payment return information comprises order amount; and carrying out multi-party reconciliation according to the order information, the payment information and the payment return information.
In one embodiment, the payment operation of the user can be processed through a third-party payment channel to generate payment information, wherein the payment information comprises an order amount; storing the payment information in a business system; obtaining payment return information returned by the third party payment channel, wherein the payment return information comprises order amount; checking the payment information and the payment return information; and when the inconsistency is checked, generating warning information.
In one embodiment, the order information and the billing information of the first user may be obtained; checking the payment information with the order information and the bill information; and when the inconsistency is checked, generating warning information.
In S510, order processing information is acquired for financial reconciliation. Financial data of each stage corresponding to the order processing information can be obtained, wherein the financial data comprises order information, bill information, payment information, clearing information, settlement information, supervision accounts, cash withdrawal information and flow records; classifying the financial data according to preset categories, wherein the preset categories comprise: collecting money, refunding money, recharging and withdrawing cash; and performing financial reconciliation according to the financial data among the preset categories.
Wherein, obtain order processing information in order to carry out financial reconciliation, still include: acquiring initial balance, final balance and third party account running water in the third party payment channel within a preset time range; and checking accounts according to the initial balance, the final balance and the third party account running water.
Different services may have different accounts for collection and payment, and each account may be divided into different financial subjects according to the service scene. Such as collecting money, refunding money, recharging, drawing cash, etc. The financial affairs have the requirement of accounting according to the financial subjects, at the moment, the total data are required to be acquired from the corresponding business system, and after a series of operations such as sorting and summarizing are carried out according to the financial subjects, the amount of money of each subject is compared. For example, the reconciliation items of the cleaning service-Paibao account 123-collection subject can be configured in a reconciliation center. The account reconciliation can be associated with a cleaning bill of the transaction type reconciliation, namely a Paibao cleaning account, and whether the transaction type reconciliation is executed and whether difference exists can be checked before the reconciliation task is executed. Subject reconciliation is performed without difference.
All accounts mentioned above will have an initial and final balance. The balance at the end of the period can be calculated according to the balance at the beginning of the period and the running water in the period. For example, by configuring the initial balance, the check interval, and the account flow data source of the payer account 123 in the reconciliation center, it is possible to check whether the balance of the account has a problem. A configuration check may also be made against a certain merchant account, such as merchant 123. Similarly, balance type reconciliation can also be associated with transaction type reconciliation items.
The multiparty transaction reconciliation method has the following advantages:
1. timely finding out accounting problems and ensuring fund safety
2. Timely finding system problems and ensuring the correctness of the system
3. The manpower is saved, and a large amount of manpower time is not needed to be consumed to troubleshoot the financial problems afterwards.
Those skilled in the art will appreciate that all or part of the steps implementing the above embodiments are implemented as computer programs executed by a CPU. When executed by the CPU, performs the functions defined by the above-described methods provided by the present disclosure. The program may be stored in a computer readable storage medium, which may be a read-only memory, a magnetic or optical disk, or the like.
Furthermore, it should be noted that the above-mentioned figures are only schematic illustrations of the processes involved in the methods according to exemplary embodiments of the present disclosure, and are not intended to be limiting. It will be readily understood that the processes shown in the above figures are not intended to indicate or limit the chronological order of the processes. In addition, it is also readily understood that these processes may be performed synchronously or asynchronously, e.g., in multiple modules.
The following are embodiments of the disclosed apparatus that may be used to perform embodiments of the disclosed methods. For details not disclosed in the embodiments of the apparatus of the present disclosure, refer to the embodiments of the method of the present disclosure.
Fig. 6 is a block diagram illustrating a reconciliation apparatus in accordance with another exemplary embodiment. As shown in fig. 6, the reconciliation apparatus 60 is used for reconciling account information in the business data, and includes: a data module 602, a configuration module 604, an extraction module 606, and a reconciliation module 608.
The data module 602 is configured to obtain service data from a service database at regular time and store the service data in a data warehouse;
the configuration module 604 is configured to configure reconciliation task parameters at the reconciliation center platform, where the reconciliation task parameters include: reconciliation data source and reconciliation rule;
the extracting module 606 is configured to extract the target business data from the data warehouse according to the reconciliation data source;
the reconciliation module 608 is configured to perform reconciliation processing on the target business data according to the reconciliation rule to generate a reconciliation result.
According to the account checking device disclosed by the invention, business data are regularly acquired from a business database and stored in a data warehouse; configuring account checking task parameters on the account checking center platform, wherein the account checking task parameters comprise: reconciliation data source and reconciliation rule; taking out target business data from the data warehouse according to the reconciliation data source; the mode of carrying out account checking processing on the target business data according to the account checking rule to generate an account checking result can follow the progress of an order, carry out account checking in real time and discover account problems in real time, and ensure fund safety; and the system logic problem can be found in time, and the correctness of order task processing is ensured.
It should be understood that the electronic device shown in fig. 7 is only one example of the present invention, and elements or components not shown in the above example may be further included in the electronic device of the present invention. For example, some electronic devices further include a display unit such as a display screen, and some electronic devices further include a human-computer interaction element such as a button, a keyboard, and the like. Electronic devices are considered to be covered by the present invention as long as the electronic devices are capable of executing a computer-readable program in a memory to implement the method of the present invention or at least a part of the steps of the method.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, as shown in fig. 8, the technical solution according to the embodiment of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, or a network device, etc.) to execute the above method according to the embodiment of the present disclosure.
The software product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The computer readable storage medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable storage medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations for the present disclosure may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).
The computer readable medium carries one or more programs which, when executed by a device, cause the computer readable medium to perform the functions of: acquiring service data from a service database at regular time and storing the service data into a data warehouse; configuring account checking task parameters on the account checking center platform, wherein the account checking task parameters comprise: reconciliation data source and reconciliation rule; taking out target business data from the data warehouse according to the reconciliation data source; and performing account checking processing on the target business data according to the account checking rule to generate an account checking result.
Those skilled in the art will appreciate that the modules described above may be distributed in the apparatus according to the description of the embodiments, or may be modified accordingly in one or more apparatuses unique from the embodiments. The modules of the above embodiments may be combined into one module, or further split into multiple sub-modules.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a mobile terminal, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.
Exemplary embodiments of the present disclosure are specifically illustrated and described above. It is to be understood that the present disclosure is not limited to the precise arrangements, instrumentalities, or instrumentalities described herein; on the contrary, the disclosure is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.
Claims (13)
1. A reconciliation method is used for reconciling account information in business data, and is characterized by comprising the following steps:
acquiring service data from a service database at regular time and storing the service data into a data warehouse;
configuring account checking task parameters on the account checking center platform, wherein the account checking task parameters comprise: reconciliation data source and reconciliation rule;
taking out target business data from the data warehouse according to the reconciliation data source;
and performing account checking processing on the target business data according to the account checking rule to generate an account checking result.
2. The reconciliation method of claim 1 further comprising:
and establishing a reconciliation center platform, wherein the reconciliation center platform comprises a reconciliation center database and a reconciliation engine.
3. The reconciliation method of claim 2 wherein retrieving target business data from the data repository based on the source of reconciliation data comprises:
and taking out account information in the target business data from the data warehouse according to the reconciliation data source and storing the account information in a reconciliation center database.
4. The reconciliation method of claim 1 wherein retrieving target business data from the data repository based on the source of reconciliation data comprises:
extracting account checking data types, account checking data storage positions and account checking data extraction rules from the account checking data sources;
determining at least one business datum based on the reconciliation data type and the reconciliation data storage position;
and extracting target business data from the at least one target business data based on the reconciliation data extraction rule.
5. The reconciliation method of claim 2, wherein the reconciliation of the target business data according to the reconciliation rule to generate a reconciliation result comprises:
and the reconciliation engine performs reconciliation processing on the target business data according to the reconciliation rule to generate a reconciliation result.
6. The reconciliation method of claim 1, wherein the reconciliation of the target business data according to the reconciliation rule to generate a reconciliation result comprises:
extracting comparison contents and comparison rules from the account checking rules;
extracting a plurality of account data from the target business data according to the comparison content;
and performing reconciliation processing on the plurality of account data according to the comparison rule to generate a reconciliation result.
7. The reconciliation method of claim 6, wherein extracting a plurality of account data from the target business data according to the comparison content comprises:
when the comparison content comprises a plurality of third party transactions, obtaining the target business data through payment channels of a plurality of participants;
and extracting payment information and payment return information from the target business data based on the order identification.
8. The reconciliation method of claim 6, wherein extracting a plurality of account data from the target business data according to the comparison content comprises:
when the comparison content comprises a plurality of link transactions, extracting the business data of a plurality of orders based on the relevance of the orders;
and extracting the order amount, the transaction state and the order quantity from the service data of the orders based on the order identification.
9. The reconciliation method of claim 6, wherein the reconciliation of the plurality of account data according to the comparison rule to generate a reconciliation result comprises:
extracting association rules from the reconciliation rules;
acquiring a correlation reconciliation task based on the correlation rule;
processing the correlation reconciliation task to generate a reconciliation result; and/or
And pushing the account checking result to the associated account checking task.
10. The reconciliation method of claim 6, wherein the reconciliation of the plurality of account data according to the comparison rule to generate a reconciliation result comprises:
extracting a difference processing rule from the account checking rule;
and when the account checking results are inconsistent, generating warning information according to the difference processing rule.
11. An account checking device for checking account information in business data, comprising:
the data module is used for acquiring service data from the service database at regular time and storing the service data into the data warehouse;
a configuration module, configured to configure reconciliation task parameters at the reconciliation center platform, where the reconciliation task parameters include: reconciliation data source and reconciliation rule;
the extraction module is used for extracting target business data from the data warehouse according to the reconciliation data source;
and the account checking module is used for performing account checking processing on the target business data according to the account checking rule to generate an account checking result.
12. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-10.
13. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-10.
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