CN107784574B - Account checking processing method and device - Google Patents
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- CN107784574B CN107784574B CN201711163484.1A CN201711163484A CN107784574B CN 107784574 B CN107784574 B CN 107784574B CN 201711163484 A CN201711163484 A CN 201711163484A CN 107784574 B CN107784574 B CN 107784574B
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Abstract
The invention discloses a reconciliation processing method and a device, wherein the method comprises the following steps: acquiring error information and payment information corresponding to a transaction record with a processing result in a preset error type in a preset processing period; searching a payment channel corresponding to a transaction record with a preset error type according to the payment information; judging whether a preset processing period corresponding to a current processing result contains holidays or not according to holiday information of the payment channel; if so, the error type in the error information is updated. Therefore, by using the scheme of the invention, the number of short transaction records in the system can be correspondingly reduced by reducing the preset error type transaction records, so that the workload of financial operators is reduced, and the financial operation efficiency of the system is improved; meanwhile, the accuracy of account checking processing and daily processing of the system is improved.
Description
Technical Field
The invention relates to the technical field of electronic commerce, in particular to a reconciliation processing method and device.
Background
Foreign trade e-commerce platforms, which are cross-border platforms providing goods and services to overseas buyers, typically introduce multiple payment channels and local payment methods for each country in order to support the payment of overseas buyers. In actual business, the settlement time of the foreign trade e-commerce platform usually signing with the payment channel is generally T +3, but the settlement time is slightly different for different gateways or payment modes.
In the clearing and reconciliation flow of the existing foreign trade electronic commerce platform, the foreign trade electronic commerce platform can acquire fund flow files for reconciliation from a payment channel according to a mode agreed with the payment channel and carry out warehousing reconciliation. The system locks the transaction in the corresponding interval from the system for reconciliation according to the time in the settlement period of the fund flow provided by the payment channel, and updates the identification of the reconciliation difference after the reconciliation is finished. Meanwhile, according to the settlement period of each payment channel, the system automatically marks the unsettled transactions according to the settlement period as suspicion, and registers the transactions as short money after the corresponding suspicion buffer time is exceeded. Since the public holiday situation is not considered in this process, an agreed settlement period such as T +3 is actually the weekday, and is not included for weekends or holidays (some countries have bank holidays). Therefore, a large amount of suspicions and short money appear in the conventional reconciliation system, the accuracy of the reconciliation system is reduced, and the daily operation work of finance is disturbed.
Disclosure of Invention
In view of the above, the present invention has been made to provide a reconciliation processing method and apparatus that overcome the above problems or at least partially solve the above problems.
According to an aspect of the present invention, there is provided a reconciliation processing method, including:
acquiring error information and payment information corresponding to a transaction record with a processing result in a preset error type in a preset processing period;
searching a payment channel corresponding to a transaction record with a preset error type according to the payment information; judging whether a preset processing period corresponding to a current processing result contains holidays or not according to holiday information of the payment channel;
if so, the error type in the error information is updated.
According to another aspect of the present invention, there is provided a reconciliation processing apparatus, comprising:
the first acquisition module is suitable for acquiring error information and payment information corresponding to the transaction record with the processing result in the preset processing period as the preset error type;
the searching module is suitable for searching a payment channel corresponding to the transaction record with the preset error type according to the payment information;
the first judgment module is suitable for judging whether the preset processing period corresponding to the current processing result contains holidays or not according to the holiday information of the payment channel;
and the updating module is suitable for updating the error type in the error information if the judgment result of the first judging module is positive.
According to the account checking processing method and device, the holiday information of the payment channel can be used for judging, whether the definition of the current transaction record with the preset error type is accurate or not is determined, and the accuracy of system account checking processing and daily processing is improved; and updating the error type in the error information according to the judgment result, further reducing the transaction records of the preset error type, correspondingly reducing the number of short transaction records in the system, further reducing the workload of financial operators, and improving the financial operation efficiency of the system.
The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
FIG. 1 is a schematic diagram illustrating a reconciliation process flow for a foreign trade e-commerce platform;
FIG. 2 shows a gateway settlement information diagram;
FIG. 3 shows a diagram of a payment reconciliation basis information;
FIG. 4 shows a payment reconciliation confirmation information diagram;
FIG. 5 shows a schematic diagram of reconciliation error information;
FIG. 6 shows a schematic diagram of reconciliation batch information
FIG. 7 shows a flow diagram of a reconciliation processing method of an embodiment of the invention;
FIG. 8 shows a flow diagram of a reconciliation processing method of another embodiment of the invention;
FIG. 9 shows a diagram of public holiday information;
FIG. 10 shows a functional block diagram of a reconciliation processing apparatus of an embodiment of the present invention;
fig. 11 shows a functional block diagram of a reconciliation processing apparatus according to another embodiment of the present invention;
FIG. 12 shows a functional block diagram of a reconciliation processing system of an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
Fig. 1 shows a schematic diagram of a reconciliation process flow of a foreign trade e-commerce platform. As shown in fig. 1, the reconciliation process flow of the foreign trade e-commerce platform is generally divided into three steps of warehousing, reconciliation and post-reconciliation. The account checking process flow of the foreign trade e-commerce platform is described in detail as follows:
the method comprises the following steps: and the foreign trade electronic commerce platform system acquires corresponding fund flow settlement files from cooperative payment channels every day at regular time, and registers gateway settlement information by taking different payment channels as units after warehousing. For example, the fund flow settlement file acquired from the payment channel B is registered in the gateway settlement information of the corresponding payment channel B.
Fig. 2 shows a gateway settlement information diagram. As shown in fig. 2, the gateway settlement information is used to record the detail information of the gateway fund flow entering the warehouse, and includes the following contents: a terminal number, a batch number, a transaction card number, a transaction date, a transaction time, a transaction amount, a commission fee, a settlement amount, an authorization code, a transaction code, a card identification, an order number, a protocol number, a reference number, a staging plan, a staging number, a verification identifier, and a verification time.
Step two: according to the current-term uploaded money flow settlement file date in a warehouse, the system inquires payment data of which the transaction date is more than or equal to the minimum date of the current-term money flow settlement file date and less than the minimum date + n (the settlement period agreed by a payment channel is T + n), and the payment data is exported to the payment reconciliation basic information; then, the account is checked out through the same payment channel. For example, when the current-term fund flow calculation file date is from 11 month 13 to 11 month 15, the system queries the payment data from 11 month 13 to 11 month 15 and exports the data to the payment reconciliation basic information, and then checks the gateway settlement information of the corresponding payment channel B in the period with the payment reconciliation basic information (i.e. the payment flow information in the figure).
Fig. 3 shows a diagram of the payment reconciliation basis information. As shown in fig. 3, the payment reconciliation basis information is used for recording the payment basis information of the platform, and includes: a serial number, a gateway number, a system reference number, a transaction date, a transaction amount, an order number, a transaction type, a status, a reconciliation accounting date, a reconciliation date, and a reconciliation identification. Wherein, the check mark comprises: agreement, doubt, short, long, mis-amount, and/or unchecked.
Specifically, for the same payment channel, checking the record with the verification identifier as not checked in the payment reconciliation basic information, and the record with the verification identifier as a suspicion and a short money, searching corresponding records in the gateway settlement information one by one according to the serial number and the amount of money, judging whether the records of the payment reconciliation basic information and the gateway settlement information are consistent, and performing the following processing according to the judgment result:
if the judgment result is that the records of the payment reconciliation basic information and the gateway settlement information are consistent, namely: if the serial number and the transaction amount are consistent with the settlement amount and the order number, setting the note record check identifier in the gateway settlement information and the payment reconciliation basic information as consistent, and updating the check time; and at the same time registering payment reconciliation confirmation information. Fig. 4 shows a schematic diagram of payment reconciliation confirmation information. The payment reconciliation confirmation information is used for recording detail information consistent with the reconciliation confirmation. As shown in fig. 4, the payment reconciliation confirmation information is registered based on the reconciliation batch, gateway number, reconciliation file date number, reconciliation file name, reconciliation file acquisition date, transaction type, reconciliation accounting date, reconciliation date, serial number, system reference number, settlement amount, commission amount, settlement currency amount, foreign currency commission amount, foreign currency amount, floating commission amount, order number, transaction date, transaction time, time stamp, and estimate-not-estimated information. Wherein, the settlement amount is the clearing amount plus the commission amount is the settlement currency, and the currency is the RMB (CNY); the foreign currency amount is the dollar amount submitted plus the foreign currency handling fee amount is the foreign currency amount and the handling fee foreign currency type, and the currency type is the dollar (USD). If the payment reconciliation confirmation information already has a record corresponding to the serial number, changing the estimation of the payment reconciliation confirmation information corresponding to the record into 'no', and simultaneously registering a confirmation month.
In addition, if the matching records are in doubt records, account checking error information needs to be updated, the updating processing state is 'processed', and the error state is 'cancelled'.
And if the judgment result is that the records of the payment reconciliation basic information and the gateway settlement information are inconsistent, various situations exist: in the first case, a reference number is not matched in gateway settlement information of a payment channel according to a serial number in the payment reconciliation basic information; and in the second case, the reference number is matched in the gateway settlement information of the payment channel according to the serial number in the payment reconciliation basic information, but the transaction amount is inconsistent.
If the condition is one, setting the checking identifier of the record in the payment reconciliation basic information as 'in doubt', and updating the checking time; and simultaneously registering account checking error information. Fig. 5 shows a schematic diagram of reconciliation error information. The account checking error information is used for recording account checking error detail information. As shown in fig. 5, the reconciliation error information table is registered based on a gateway number, an error creation date, a sequence number, an error creation time, a reconciliation batch, a transaction type, an error type, a processing status, an error status, an amount of the opposite party, an amount of my party, an error matching number of times, an original transaction date, an original transaction serial number, an original system reference number, an operator, an operation date, an operation time, and a time stamp, wherein the error matching number of times can be used to upgrade the error level. For example, if the first match is an "in-doubt" record, the error type is in-doubt, the processing status is unprocessed, the error status is pending, and the number of error matches is 1.
For the second case, the check identifier recorded in the payment reconciliation basic information is set as 'in doubt', and the check identifier recorded in the gateway settlement information corresponding to the payment channel is set as 'in doubt'; and simultaneously registering account checking error information. And registering a reconciliation error information table according to error creation time, a reconciliation batch, a transaction type, an error type, a processing state, an error amount, error matching times, an original transaction date, an original transaction serial number and an original system reference number. The error type is a monetary error, the processing state is unprocessed, and the error state is to be processed.
After the reconciliation processing of the second step, all payment reconciliation confirmation information (i.e. reconciliation information in the figure) of the reconciliation of this time and all reconciliation error information (i.e. error table in the figure) are obtained.
Step three: and carrying out reconciliation post-processing according to the historical reconciliation error information. After the above-mentioned processing is finished, for the record with the check mark of "not checked" in the gateway settlement information of the same batch, matching is carried out in the historical reconciliation error information of the system according to the transaction amount and the reference number in the record. If the consistent reference number is not matched, registering account checking error information according to the gateway settlement information, and registering the error type in the account checking error information and the check identifier in the gateway settlement information as 'long'; if the consistent reference number and the transaction amount are matched, inserting the recorded information into payment reconciliation confirmation information, setting the check identifier of gateway settlement information to be consistent, and modifying the error state in the reconciliation error information into processed state; and if the reference number is matched and the transaction amount is inconsistent, modifying the error type in the account checking error information into 'amount error' and modifying the check identifier in the gateway settlement information into 'amount error'.
In addition, the system judges whether the in-doubt record exceeds the maximum in-doubt buffering time set by the current system or not aiming at the in-doubt record in the account checking error information, and if so, the error state of the in-doubt record is updated to be 'short money'.
It should be noted that the processing of the third step may be performed on the checking day, or may be performed on a daily basis, for example, after acquiring the fund flow settlement file every day, the gateway settlement information is registered, and then the processing of the suspicious record and the short-money record is performed according to the historical checking error information, so as to reduce the number of error records; and updating the doubt record in the reconciliation error information into a short-fund record every day according to the maximum buffer time for the doubt.
And in the reconciliation process, updating the reconciliation batch information of the reconciliation in real time. Fig. 6 shows a schematic diagram of reconciliation batch information. As shown in fig. 6, the reconciliation batch information includes: the account checking system comprises an account checking batch, a gateway number, an account checking file date serial number, an account checking file name, an account checking file acquisition date, an account checking file type, an account checking accounting date, an account checking date, a total number of warehousing strokes, a total amount of reconciliation, a total number of reconciliation strokes, a total number of error strokes, a total amount of error strokes, a reconciliation state and a timestamp. For example, when warehousing, updating information such as total warehousing strokes, total warehousing money and the like; and in the processes of account checking and post-processing, updating information such as the total amount of the account leveling, the total number of strokes of errors, the total amount of errors and the like.
In the reconciliation process flow or daily process flow of the foreign trade e-commerce platform, common error types include the following:
and (3) long: usually, there is a record of settlement in the fund flow of the payment channel, but the corresponding record is in the condition of payment failure or processing on the platform, and for long transactions, the transaction needs to be reconfirmed and the transaction state is updated.
In doubt: usually means that the corresponding record of successful payment is available on the platform, but the record of settlement of the transaction does not appear in the fund flow within the time agreed with the gateway. The in-doubt state belongs to the observation stage, and if the in-doubt buffer time is exceeded and the settlement is not carried out, the short payment is transited.
Short money: it is often the case that the payment channel informs the platform that the transaction was successful, but in fact the transaction was unsuccessful at the payment platform, which requires the financial operator to contact the payment channel offline for processing of the request. Otherwise, the platform is directly lost.
And (4) error of money amount: usually, a payment channel and a platform both have corresponding transaction records, but the amounts or currency recorded by both parties are inconsistent, and in such a case, whether the amount is caused by a system bug or is tampered is specifically checked.
In the reconciliation processing flow of the foreign trade e-commerce platform corresponding to fig. 1, due to the existence of the public holiday, the gateway settlement information put in storage is delayed, so that a large number of doubt records exist in the system after one-time reconciliation is finished, and correspondingly, a large number of short-fund records also appear along with the increase of the doubt records. And the short records need the off-line contact payment channel of the financial operators to carry out the payment request processing, otherwise, the loss is directly brought to the platform. Therefore, a large number of short-money records can increase the workload of the system and reduce the efficiency of the system, and on the basis of the short-money records, the invention provides a scheme for checking account processing of public holiday information based on a gateway, and after the records of suspicion or short money are checked in the existing account checking processing flow or daily processing flow, the records are updated by using the scheme of the invention.
Fig. 7 shows a flowchart of a reconciliation processing method according to an embodiment of the invention. As shown in fig. 7, the method comprises the steps of:
step S701: and acquiring error information and payment information corresponding to the transaction record with the processing result in the preset processing period as the preset error type.
In this step, error information and payment information corresponding to the transaction record defined as the preset error type in the current preset processing period are acquired, so that the error detail information of the transaction record and the payment detail information of the platform are obtained, and the information can be used for reconciliation processing for reducing the number of the preset error types.
Wherein, in a preset processing cycle of the account checking processing flow, the obtained processing result comprises: agreement, doubt, shortcuts, errors in amount, and/or long; and aiming at the account checking processing flow, the preset processing period is determined according to settlement time agreed by the platform and the payment channel. For example, if the settlement time is T +3, the processing period is 3 days. In the daily processing flow, the obtained processing results include: agreement, doubt, shortfall, and/or miscount; wherein, aiming at the daily processing flow, the preset processing period takes one day as one period. The preset error type in this step may be any error type affected by the warehousing delay of the fund settlement flow file, including error types such as suspicion, short payment and/or wrong amount. For example, a large number of records of doubt may occur due to untimely update of the fund flow settlement file, but after the fund flow settlement file is updated, some records of doubt may have a consistent check.
Specifically, the error information corresponding to the transaction record of the preset error type is that: the reconciliation error information shown in fig. 5 includes error detail information such as gateway number, error type and error status; presetting payment information corresponding to the transaction record of the error type, namely: the payment reconciliation basic information shown in fig. 3 includes payment detail information of the platform such as serial number, transaction amount, system reference number, gateway number and check identification.
Step S702: and searching a payment channel corresponding to the transaction record with the preset error type according to the payment information.
In the step, a payment channel corresponding to the transaction record with the preset error type is searched according to the gateway number in the payment information, the source of the warehousing fund flow settlement file can be determined through the payment channel, and the holiday of the payment channel can be conveniently determined. For example, if the corresponding payment channel is searched for as the payment channel B according to the gateway number 2, it can be determined that the gateway settlement information (fund settlement flow file) in reconciliation of the transaction record is from the data of the payment channel B, and then the fund settlement file needs to be acquired from the payment channel B or an operator of the payment channel B needs to be contacted to perform further processing on the transaction record; and, it is possible to facilitate determination of holiday information of the payment channel B.
Step S703: and judging whether the preset processing period corresponding to the current processing result contains holidays or not according to the holiday information of the payment channel.
After the holiday information of the payment channel is determined according to the payment channel, whether the preset processing period of the obtained current processing result contains holidays in the holiday information of the payment channel is judged. Specifically, if the current processing is account checking processing and the preset processing period is n days, whether the n days include holidays of a payment channel is judged; and if the current processing is daily processing, judging whether the day of the daily processing is a holiday of the payment channel.
Step S704: if so, the error type in the error information is updated.
If the preset processing period includes the holidays of the payment channel, the warehousing time of the fund flow settlement file may be delayed due to the holidays. For example, the predetermined processing period includes a bank holiday, and the settlement information (i.e., the settlement document of the fund flow) of the bank holiday specified by the payment channel is settled and updated in two working days after the bank holiday. In this case, the transaction record of the preset error type in the preset processing period cannot be determined as the transaction record of the payment channel which is not settled successfully, but only as the transaction record of the payment channel which is not settled in time.
In this step, in order to reduce the number of transaction records of the preset error type, the error type of the transaction record defined as the preset error type in the current processing is updated according to the condition that the preset processing period includes holidays of the payment channel. For example, transaction record 1 is defined as an in-doubt error type within a preset processing period of the reconciliation process, and the error type is updated to an error-free type within the preset processing period including holidays of the payment channel, thereby reducing the number of transaction records of in-doubt error types.
According to the reconciliation processing method provided by the embodiment, after the transaction record with the preset error type is checked in the current preset processing period, the error information and the payment information of the transaction record are obtained, so that the error detail information of the transaction record and the payment detail information of a platform can be obtained, and further the reconciliation processing for reducing the number of the preset error type can be carried out by utilizing the information; searching a payment channel corresponding to a transaction record with a preset error type according to a gateway number in the payment information, determining the source of the warehoused fund flow settlement file through the payment channel, and facilitating the determination of the holidays of the payment channel; when the current preset processing period contains holidays, the error type of the transaction record is updated, for example, the in-doubt error type is updated to be an error-free type, and the transaction record of the preset error type in the processing result of the current processing is reduced. Therefore, by using the scheme of the embodiment, the number of short transaction records in the system can be correspondingly reduced by reducing the preset error type of transaction records, so that the workload of financial operators is reduced, and the financial operation efficiency of the system is improved; meanwhile, the accuracy of account checking processing and daily processing of the system is improved.
Fig. 8 shows a flowchart of a reconciliation processing method according to another embodiment of the present invention. As shown in fig. 8, the method comprises the steps of:
step S801: and acquiring error information and payment information corresponding to the transaction record with the processing result in the preset processing period as the preset error type.
In this step, error information and payment information corresponding to the transaction record defined as the preset error type in the current preset processing period are obtained, so as to obtain error detail information of the transaction record and payment detail information of the platform, and further, whether the determined transaction record of the preset error type is accurate or not can be judged by using the information, and the inaccurate transaction record is processed to reduce the number of the preset error types. The preset error type can be any error type influenced by the warehousing delay of the fund settlement flow file. Optionally, in an embodiment of the present invention, the preset error type includes: an in-doubt type and/or a short type.
Step S802: and searching a payment channel corresponding to the transaction record with the preset error type according to the payment information.
Specifically, the payment information (i.e., the payment reconciliation basis information) corresponding to the transaction record with the preset error type includes information of a payment channel of the transaction record, such as a gateway number. Through the gateway number, a payment channel for settling the transaction record can be determined, in other words, gateway settlement information (fund settlement flow file) when the transaction record is checked out can be determined to come from the payment channel; and after the payment channel is determined, the holiday information of the payment channel can be conveniently determined.
Step S803: and acquiring holiday information of the corresponding payment channel.
In order to reduce the influence of untimely updating of the fund flow settlement file of the payment channel on the accuracy of judging whether the transaction record is the preset error type transaction record when the holiday days occur, the holiday information of the payment channel corresponding to the transaction record is determined firstly.
Fig. 9 shows a diagram of public holiday information. The public holiday information is holiday information of a payment channel. As shown in fig. 9, the common holiday information (i.e., holiday information) includes: date, gateway number, holiday category, year, holiday start date and/or holiday end date. In addition, the public holiday information further comprises: vacation status, maintainer, and maintenance time.
Through the step, the holiday information of the payment channel is obtained, and whether the transaction record of the preset error type defined in the current account checking processing or daily processing is accurate or not can be conveniently determined.
Step S804: judging whether a preset processing period corresponding to a current processing result contains a holiday or not according to the holiday contained in the holiday information of the payment channel; if yes, go to step S805; if not, the method ends.
After the holiday information of the payment channel is acquired according to the payment channel, whether the preset processing period of the current processing result contains holidays in the holiday information of the payment channel is judged. Specifically, if the current processing is account checking processing and the preset processing period is n days, whether the n days include holidays of a payment channel is judged; and if the current processing is daily processing, judging whether the day of the daily processing is a holiday of the payment channel. Further, if the preset processing cycle of the current reconciliation processing or daily processing includes holidays of the payment channel, the transaction record of which the current processing result is the preset error type may be only caused by the fact that the data of the payment channel is not updated timely due to the holidays, and the transaction record of the preset error type in the current processing result is considered to be inaccurate.
In this embodiment, if it is determined that the preset processing period corresponding to the current processing result includes a holiday of the payment channel, step S805 is executed; and if the preset processing period corresponding to the current processing result does not contain the holiday of the payment channel, ending the method.
Step S805: and judging whether the preset processing period corresponding to the current processing result contains the preset settlement date of the holiday or not.
After the preset processing period corresponding to the current processing result is judged to include the holiday of the payment channel, in order to further and accurately determine whether the transaction record of the preset error type in the current processing result is caused by the fact that the data of the payment channel is not updated timely, whether the preset settlement date of the holiday agreed by the system and the payment channel is within the preset processing period needs to be further judged. For example, settlement information for a system that engages a holiday with a payment channel is processed within two working days after the holiday.
Specifically, if the preset settlement date is within the preset processing period, the data of the payment channel is considered to be updated in time and put into the system, and the transaction record of the preset error type in the current processing result is not caused by untimely updating of the fund flow settlement file; if the preset settlement date is not in the preset processing period, the data of the payment channel is not completely updated and is stored in the system, and part of the transaction records with the preset error types in the current processing result are caused by untimely updating of the fund flow settlement file.
For the convenience of understanding the present step, the following describes the above steps S804 and S805 with a specific example:
assume that the system makes a settlement every 3 weekdays as agreed with payment channel B and settlement information for agreed saturday and sunday is updated on the next 2 weekdays. The current settlement time is 11 months and 9 days to 11 months and 13 days, wherein 11 months and 12 days are respectively saturday and sunday, and the two days are holidays of the payment channel B. After judging that the current settlement time (same as the preset processing period) contains the holiday of the payment channel B, preliminarily determining that the transaction record of the preset error type in the processing result of the current processing is probably caused by untimely data updating of the payment channel B caused by the holiday, however, at this time, it cannot be determined whether the payment channel B completely updates the data of saturday and sunday, and therefore, it is necessary to further determine whether the current settlement time includes the preset settlement date of saturday and sunday, namely the appointed updating time limit, the current settlement time does not completely comprise the preset settlement date of the payment channel B, particularly does not comprise the preset settlement date of 11 months and 12 days, namely 11 months and 14 days, it is further determined that the transaction record of the preset error type in the processing result of the current process is due to the untimely data update of the payment channel B caused by the holiday.
Step S806: and if not, updating the error type in the error information.
If the preset processing period corresponding to the current processing result does not contain the preset settlement date of the holiday, the settlement data of the payment channel is considered not to be completely updated, and the error type of the transaction record with the preset error type in the current processing result can be determined only by the preset settlement date, namely: the error type of the transaction record with the preset error type in the current processing result needs to be updated.
Specifically, the types of errors in updating the error information are divided into two cases: the method comprises the steps of firstly, aiming at the condition that a preset error type in a current processing result is an in-doubt type; and in the second case, the preset error type in the current processing result is short. The following is specifically described for two cases:
in case one, the default error type is specifically an in-doubt type. In this case, the error type in the error information is updated from the suspected type to the error-free type, and the check flag in the payment information corresponding to the transaction record is set as unchecked. Specifically, if the preset settlement date is not reached, the in-doubt type cannot be determined, correspondingly, the error type in the reconciliation error information (same error information) corresponding to the transaction record is updated from the in-doubt type to the error-free type, and the check mark in the payment reconciliation basic information (same payment information) corresponding to the transaction record is marked as not checked, so that the transaction record is continuously checked in the next daily processing or reconciliation processing.
In case two, the default error type is specifically a short type. In this case, the error type in the error information is updated from the short type to the in-doubt type. Specifically, if the preset settlement date is not reached, the buffer time of the in-doubt type is not considered to be ended, the short-fund type cannot be determined, and correspondingly, the error type in the account checking error information (the same error information) corresponding to the transaction record is updated to the in-doubt type from the short-fund type.
Through the step, the error type is updated, and the in-doubt type is updated to be the error-free type, so that the number of the in-doubt types is reduced, namely the number of the short money types is indirectly reduced; and the short money type is updated to be the in-doubt type, so that the short money type in the processing result of the time is directly reduced. Therefore, short-money type transaction records in the system are directly or indirectly reduced, and the work load of off-line money request of financial operators to a payment channel is greatly reduced.
In addition, in another specific embodiment of the present invention, it may further be determined whether the transaction date of the transaction record with the preset error type is holiday, so as to accurately determine whether the definition of the error type of the transaction record is accurate in combination with the preset settlement date.
According to the reconciliation processing method provided by the embodiment, after the transaction record with the preset error type is checked in the current preset processing period, the error information and the payment information of the transaction record are obtained, so that the error detail information of the transaction record and the payment detail information of a platform can be obtained, and further the reconciliation processing for reducing the number of the preset error type can be carried out by utilizing the information; searching a payment channel corresponding to a transaction record with a preset error type according to a gateway number in the payment information, determining the source of the warehoused fund flow settlement file through the payment channel, and facilitating the determination of the holidays of the payment channel; acquiring holiday information of a payment channel, and further determining whether transaction records of preset error types defined during current account checking processing or daily processing are accurate or not according to the holiday information of the payment channel; when the current preset processing period comprises a holiday, preliminarily determining that the transaction record of the preset error type in the current processing result is possibly caused by untimely data updating of a payment channel caused by the holiday; in order to accurately determine whether the transaction record of the preset error type in the current processing result is caused by the fact that the data of the payment channel is not updated timely, whether the preset processing period corresponding to the current processing result contains the preset settlement date of the holiday or not is further judged, and therefore the accuracy of the system reconciliation processing and daily processing is improved; when the preset processing period corresponding to the current processing result does not contain the preset settlement date of the holiday, the error type in the error information is updated, and further the short-money type transaction records in the system are directly or indirectly reduced, the offline payment request workload of financial operators is greatly reduced, and the financial operation efficiency of the system is improved. Therefore, by using the scheme of the embodiment, the accuracy is obviously improved and the operation efficiency of finance is improved in the processing link of account checking difference of the foreign trade electronic commerce platform after public holiday judgment is introduced for difference processing of suspicion and short money; the difference judgment of the short money and the suspicion is more accurate, the difference quantity of the financial affairs needing to be judged in the operation is reduced, and the time can be effectively put into the real difference processing
Fig. 10 shows a functional block diagram of a reconciliation processing apparatus according to an embodiment of the present invention. As shown in fig. 10, the apparatus includes: the device comprises a first obtaining module 101, a searching module 102, a first judging module 103 and an updating module 104.
The first obtaining module 101 is adapted to obtain error information and payment information corresponding to a transaction record with a processing result in a preset error type in a preset processing period;
the searching module 102 is adapted to search a payment channel corresponding to the transaction record with the preset error type according to the payment information;
the first judging module 103 is adapted to judge whether a preset processing cycle corresponding to a current processing result includes a holiday or not according to holiday information of the payment channel;
the updating module 104 is adapted to update the error type in the error information if the judgment result of the first judging module is yes.
Fig. 11 shows a functional block diagram of a reconciliation processing apparatus according to another embodiment of the present invention. As shown in fig. 11, on the basis of fig. 10, the apparatus further includes: a second obtaining module 110 and a second determining module 111.
Optionally, the preset error types include: an in-doubt type and/or a short type.
The second obtaining module 110 is adapted to obtain holiday information of a corresponding payment channel;
the first determination module 103 is further adapted to: and judging whether the preset processing period corresponding to the current processing result contains holidays or not according to the holidays contained in the holiday information of the payment channel.
A second judging module 111 adapted to judge whether a preset processing period corresponding to a current processing result includes a preset settlement date of a holiday; and if not, updating the error type in the error information.
When the preset error type is specifically an in-doubt type; the update module 104 is further adapted to: and updating the error type in the error information from the in-doubt type to the error-free type.
The update module 104 is further adapted to: and setting the check identifier in the payment information corresponding to the transaction record as not checked.
When the preset error type is a short money type; the update module 104 is further adapted to: and updating the error type in the error information from the short type to the in-doubt type.
Optionally, the holiday information includes: date, gateway number, holiday category, year, holiday start date and/or holiday end date.
The specific structure and operation principle of each module described above may refer to the description of the corresponding step in the method embodiment, and are not described herein again.
Fig. 12 shows a block diagram of a reconciliation processing system of an embodiment of the invention. As shown in fig. 12, the reconciliation processing system comprises: the system comprises an account checking system, a front-end processor and a gateway server; the account checking system comprises the account checking processing device in the device embodiment. And the account checking system is connected with the front-end processor through a local area network, and the front-end processor is connected with the gateway server through a public network.
The algorithms and displays presented herein are not inherently related to any particular computer, virtual machine, or other apparatus. Various general purpose systems may also be used with the teachings herein. The required structure for constructing such a system will be apparent from the description above. Moreover, the present invention is not directed to any particular programming language. It is appreciated that a variety of programming languages may be used to implement the teachings of the present invention as described herein, and any descriptions of specific languages are provided above to disclose the best mode of the invention.
In the description provided herein, numerous specific details are set forth. It is understood, however, that embodiments of the invention may be practiced without these specific details. In some instances, well-known methods, structures and techniques have not been shown in detail in order not to obscure an understanding of this description.
Similarly, it should be appreciated that in the foregoing description of exemplary embodiments of the invention, various features of the invention are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the disclosure and aiding in the understanding of one or more of the various inventive aspects. However, the disclosed method should not be interpreted as reflecting an intention that: that the invention as claimed requires more features than are expressly recited in each claim. Rather, as the following claims reflect, inventive aspects lie in less than all features of a single foregoing disclosed embodiment. Thus, the claims following the detailed description are hereby expressly incorporated into this detailed description, with each claim standing on its own as a separate embodiment of this invention.
Those skilled in the art will appreciate that the modules in the device in an embodiment may be adaptively changed and disposed in one or more devices different from the embodiment. The modules or units or components of the embodiments may be combined into one module or unit or component, and furthermore they may be divided into a plurality of sub-modules or sub-units or sub-components. All of the features disclosed in this specification (including any accompanying claims, abstract and drawings), and all of the processes or elements of any method or apparatus so disclosed, may be combined in any combination, except combinations where at least some of such features and/or processes or elements are mutually exclusive. Each feature disclosed in this specification (including any accompanying claims, abstract and drawings) may be replaced by alternative features serving the same, equivalent or similar purpose, unless expressly stated otherwise.
Furthermore, those skilled in the art will appreciate that while some embodiments described herein include some features included in other embodiments, rather than other features, combinations of features of different embodiments are meant to be within the scope of the invention and form different embodiments. For example, in the following claims, any of the claimed embodiments may be used in any combination.
The various component embodiments of the invention may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. It will be appreciated by those skilled in the art that a microprocessor or Digital Signal Processor (DSP) may be used in practice to implement some or all of the functions of some or all of the components in a tie-out processing apparatus according to embodiments of the present invention. The present invention may also be embodied as apparatus or device programs (e.g., computer programs and computer program products) for performing a portion or all of the methods described herein. Such programs implementing the present invention may be stored on computer-readable media or may be in the form of one or more signals. Such a signal may be downloaded from an internet website or provided on a carrier signal or in any other form.
It should be noted that the above-mentioned embodiments illustrate rather than limit the invention, and that those skilled in the art will be able to design alternative embodiments without departing from the scope of the appended claims. In the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The invention may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names.
Claims (5)
1. A reconciliation processing method is characterized by comprising the following steps:
acquiring error information and payment information corresponding to a transaction record with a processing result in a preset error type in a preset processing period;
searching a payment channel corresponding to the transaction record with the preset error type according to the payment information; judging whether a preset processing period corresponding to a current processing result contains holidays or not according to the holiday information of the payment channel;
if so, judging whether the preset processing period corresponding to the current processing result contains the preset settlement date of the holiday, and if not, updating the error type in the error information;
if the preset error type is the in-doubt type, updating the error type in the error information specifically comprises: updating the error type in the error information from an in-doubt type to an error-free type; if the preset error type is specifically a short type, updating the error type in the error information specifically comprises: and updating the error type in the error information from the short type to the in-doubt type.
2. The method of claim 1, wherein before the determining whether the preset processing period corresponding to the current processing result includes a holiday according to the holiday information of the payment channel, the method further comprises: acquiring holiday information corresponding to the payment channel;
the specific step of judging whether the preset processing period of the current processing result contains holidays according to the holiday information of the payment channel is as follows: and judging whether the preset processing period corresponding to the current processing result contains holidays or not according to the holidays contained in the holiday information of the payment channel.
3. The method of claim 1, wherein after the updating the error type in the error information from an in-doubt type to an error-free type, the method further comprises: and setting the check identifier in the payment information corresponding to the transaction record as unchecked.
4. A reconciliation processing apparatus, comprising:
the first acquisition module is suitable for acquiring error information and payment information corresponding to the transaction record with the processing result in the preset processing period as the preset error type;
the searching module is suitable for searching a payment channel corresponding to the transaction record with the preset error type according to the payment information;
the first judgment module is suitable for judging whether the preset processing period of the current processing result contains holidays or not according to the holiday information of the payment channel;
the second judgment module is suitable for judging whether the preset processing period corresponding to the current processing result contains the preset settlement date of the holiday or not;
the updating module is suitable for updating the error type in the error information if the judgment result of the first judging module is yes and the judgment result of the second judging module is no; wherein the preset error types include: an in-doubt type and/or a short type;
if the predetermined error type is an in-doubt type, the update module is further adapted to: updating the error type in the error information from an in-doubt type to an error-free type;
if the preset error type is specifically a short type, the update module is further adapted to: and updating the error type in the error information from the short type to the in-doubt type.
5. The apparatus of claim 4, further comprising: the second acquisition module is suitable for acquiring holiday information corresponding to the payment channel;
the first determination module is further adapted to: and judging whether the preset processing period corresponding to the current processing result contains holidays or not according to the holidays contained in the holiday information of the payment channel.
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| CN110458688A (en) * | 2019-07-17 | 2019-11-15 | 阿里巴巴集团控股有限公司 | A kind of method for processing business, device and equipment |
| CN112241866A (en) * | 2019-07-18 | 2021-01-19 | 腾讯科技（深圳）有限公司 | Service processing method and device, computer readable medium and electronic equipment |
| CN110738477B (en) * | 2019-08-22 | 2023-04-07 | 威富通科技有限公司 | Account checking method and device, computer equipment and storage medium |
| CN111915429B (en) * | 2020-08-11 | 2021-05-14 | 北京开科唯识技术股份有限公司 | Account checking method and device |
| CN112035711A (en) * | 2020-08-28 | 2020-12-04 | 中国建设银行股份有限公司 | Information query method, device, equipment and storage medium |
| CN113592472A (en) * | 2021-06-30 | 2021-11-02 | 北京健康之家科技有限公司 | Pharmacy data processing method and device and electronic equipment |
| CN114579654B (en) * | 2022-04-28 | 2022-07-05 | 梅州客商银行股份有限公司 | Unified operation management method and platform system for multi-payment settlement system of bank |
| CN116188190B (en) * | 2023-04-21 | 2023-07-21 | 梅州客商银行股份有限公司 | Multi-batch semi-real-time reconciliation method and system for high-concurrency payment system |
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