CN108765108A - A kind of financial data system and method under industry wealth integration - Google Patents

A kind of financial data system and method under industry wealth integration Download PDF

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Publication number
CN108765108A
CN108765108A CN201810296216.5A CN201810296216A CN108765108A CN 108765108 A CN108765108 A CN 108765108A CN 201810296216 A CN201810296216 A CN 201810296216A CN 108765108 A CN108765108 A CN 108765108A
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China
Prior art keywords
data
sorting
transaction
financial
reconciliation
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CN201810296216.5A
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Chinese (zh)
Inventor
叶唯
吴雪丽
张驰
刘笑颜
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First Automobile Leasing Co Ltd
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First Automobile Leasing Co Ltd
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Priority to CN201810296216.5A priority Critical patent/CN108765108A/en
Publication of CN108765108A publication Critical patent/CN108765108A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting
    • G06Q40/125—Finance or payroll
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction

Abstract

The present invention relates to a kind of financial data systems, including：Service database is used for receiving business datum；Sorting database is used for receiving sorting data；Sorting reconciliation module is used for carrying out sorting reconciliation according to business datum and sorting data；And credentials module, it is used for making financial affairs receipt according to the result of order detailed data, transaction data and sorting reconciliation.

Description

A kind of financial data system and method under industry wealth integration
Technical field
The present invention relates to software technology field, particularly the financial data system under a kind of industry wealth integration and Method.
Background technology
Software service based on cloud platform is applied in the various aspects of business activity.However, for existing For enterprise software service, business software, still in mutually independent state, lacks the channel of linking, forms with financial software The isolated island of information all brings inconvenience in terms of event handling, information flow and daily management.This field needs one kind more For efficient financial data system and method.
Invention content
For the technical problems in the prior art, the present invention proposes a kind of financial data system, including：Industry Business database is used for receiving business datum；Sorting database is used for receiving sorting data；Sorting reconciliation module, is used for Sorting reconciliation is carried out according to business datum and sorting data；And credentials module, it is used for according to order detailed data, transaction Data and the result of sorting reconciliation make financial affairs receipt.
System as described above, wherein business datum include order data, transaction data and payment result.
System as described above, wherein order data include order number, member ID, trade date, service commodity, server Code, charge title and charge are total.
System as described above, wherein transaction data include Transaction Identification Number and type of transaction.
System as described above, wherein payment data include：Channel of disbursement, payment number, the means of payment, payment amount and coin Kind.
System as described above, wherein sorting data include bank's sorting data and member's remaining sum sorting data.
System as described above, wherein the sorting reconciliation module is configured to a Transaction Identification Number in selection sorting data； The Transaction Identification Number is searched in business datum；And in response to finding the Transaction Identification Number in business datum, compare bank's sorting number The corresponding transaction amount of the Transaction Identification Number transaction amount corresponding with the Transaction Identification Number in business datum in.
System as described above, wherein sorting reconciliation module further comprise：Display module, displaying matching or fails The business datum and sorting data matched；And relating module, it is configured to the operation associated services data of response user and clear Divided data.
System as described above, wherein sorting reconciliation module further comprise：First query interface is used to inquire cash register The daily record that platform generates.
System as described above, wherein sorting reconciliation module further comprise：Daily record translation module, be used for daily record into Row translation.
System as described above, wherein sorting reconciliation module further comprise：Second query interface, is used for inquiry business The order of system.
System as described above, wherein sorting reconciliation module further comprise：Export interface is used for export and fails to match Business datum and sorting data.
System as described above, wherein credentials module further comprise：Business voucher module is used for detailed according to order Data and transaction data make business voucher；And sorting credentials module, it is used for making sorting according to the result of sorting reconciliation Voucher.
System as described above, wherein business voucher module are configured to：From business extracting data data；According to conversion The data of table conversion extraction；And generate sorting voucher.
System as described above, wherein sorting credentials module are configured to：Number is extracted from the successful result of sorting reconciliation According to；The data extracted according to translation table；And generate sorting voucher.
Method as described above, wherein the conversion table includes：Organizational structure conversion table, basic data conversion table and Service code conversion table.
System as described above, further comprises：Voucher pushing module is used for that voucher is periodically pushed to financial system System.
According to another aspect of the present invention, a kind of financial data processing method is proposed, including：Receive business datum and clear Divided data；Sorting reconciliation is carried out according to business datum and sorting data；And according to business datum and the knot of sorting reconciliation Fruit makes financial affairs receipt.
Description of the drawings
In the following, the preferred embodiment of the present invention will be described in more detail in conjunction with attached drawing, wherein：
Fig. 1 is the schematic diagram of industry wealth integral system according to an embodiment of the invention；
Fig. 2 is industry wealth integral system data flow schematic diagram according to an embodiment of the invention；
Fig. 3 is the structural schematic diagram of cashier according to an embodiment of the invention；
Fig. 4 is that cashier systems technology according to an embodiment of the invention realizes schematic diagram；
Fig. 5 is cashier system arrangement schematic diagram according to an embodiment of the invention；
Fig. 6 is cashier database structure schematic diagram according to an embodiment of the invention；
Fig. 7 is database flow diagram according to an embodiment of the invention；
Fig. 8 is the schematic diagram of financial data system according to an embodiment of the invention；
Fig. 9 is industry wealth integrated management method according to an embodiment of the invention；
Figure 10 is sorting account checking method according to an embodiment of the invention；
Figure 11 is the flow chart of abnormal financial data according to an embodiment of the invention；
Figure 12 is the method schematic diagram of reimbursement according to an embodiment of the invention；
Figure 13 is the schematic diagram of voucher generation method according to an embodiment of the invention；And
Figure 14 is Financial information processing method schematic diagram according to an embodiment of the invention.
Specific implementation mode
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is A part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art The every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.
In the following detailed description, the specific embodiment for being used for illustrating the application as the application part may refer to Each Figure of description.In the accompanying drawings, similar reference numeral describes substantially similar component in different drawings.This Shen Each specific embodiment please has carried out description detailed enough following so that has the general of ability domain-dependent knowledge and technology Logical technical staff can implement the technical solution of the application.It should be appreciated that other embodiments can also be utilized or to the application Embodiment carry out structure, logic or electrical change.
The present invention proposes a kind of industry wealth integral system, on the basis of operation system and financial system, passes through increase Cashier, the integration for business and finance under conditions of meeting payment demand provide data and support；By increasing financial data Processing system realizes the integral fusion of business, payment and financial system, can greatly improve business event and Finance Department The working efficiency of door, and provide technical basis for the fine-grained management of enterprise.
Fig. 1 is the schematic diagram of industry wealth integral system according to an embodiment of the invention.As shown, industry wealth integration System 100 includes operation system 10, cashier 20 and financial data system 30, financial system 40.
Operation system 10 includes operation system foreground 101 and operation system backstage 102.Operation system foreground 101 provides more Type interface is interactive to be carried out with user.These interfaces include but not limited to business interface：Web station interface (such as the official websites PC), Program interface in the interfaces APP (APP), mobile phone web pages end interface (stations M), third-party application is (for example, wechat public platform, wechat Small routine, Alipay application etc.) etc.；And financial interface：Accounting system interface, member's remaining sum system interface, stored value card system Interface, V4 system interfaces etc..
Operation system foreground 101 generates order according to operation of the user on above-mentioned interface.Business is included at least in order Information and information to be paid.Business information includes but not limited to：Order number, type of service, business tine, user information, kimonos One or more of the information of business supplier.Information to be paid includes but not limited to：In the information such as the amount of money to be paid, currency type A kind of or more persons.Operation system foreground 101 sends transaction request according to order to cashier.
Operation system backstage 102 provides support for operation system foreground.Operation system backstage 102 records ordering for user's submission It is single, and extract corresponding order data from the order that user submits.
Cashier 20 includes cashier front end 201, payment platform interface 202 and cashier service system 203.Before cashier End 201 receives the transaction request from operation system foreground 101.Transaction request includes a part of business information and letter to be paid Breath, for example, order number and information to be paid.Cashier front end 201 provides the payment page to user or salesman, according to the behaviour of user Make the information such as confirmation channel of disbursement, the means of payment, payment amount, payment platform interface 202 is called to be sent out to Third-party payment platform Payment request is played, and receives payment result and transaction details.
Payment platform interface 202 sends payment request, receives payment result and friendship for being communicated with Third-party payment platform It is easily detailed.Third-party payment platform includes but not limited to：In the modes such as bank-corporate express, polymerization payment, member's remaining sum, stored value card It is one or more；Wherein polymerization, which is paid, includes but not limited to：Bank POS, Unionpay is quick, Alipay, wechat are paid, Apply It is one or more in Pay, Samsung Pay, Huawei Pay, PayPal.Those skilled in the art should be noted that certain Tripartite's payment platform, such as member's remaining sum system or stored value card system may be common body institute with industry wealth integral system Have or runs.For cashier 20, these platforms may be considered external Third-party payment platform.
203 cashier front end 201 of cashier service system and payment platform interface 202 provide support.Further, cash register Platform service system 203 provides transaction record service.Specifically, cashier service system 203, which receives, comes from cashier front end 201 Transaction request, add new transaction in the trading pit established and provide unique Transaction Identification Number for each transaction, and record and The state of more New Transaction.According to one embodiment of present invention, a transaction request can correspond to multiple Transaction Identification Numbers.
Cashier front end 201 receives the Transaction Identification Number from cashier service system 203, call payment platform interface 202 to Third-party payment platform sends out payment request.According to one embodiment of present invention, payment request includes at least Transaction Identification Number and its His payment information.In some embodiments, payment request can also including order number etc. other informations.
According to one embodiment of present invention, initiate pay before, by payment information include in payment interface so that Payment information can be reaffirmed by obtaining user.Payment platform interface 202 receives payment request from cashier front end 201, according to branch Payment request is sent to corresponding Third-party payment platform by the type for paying channel after format conversion.Further, it pays Platform interface 202 receives payment result and payment result is sent to cashier front end 201.Further, payment platform interface Payment result and transaction details are sent to cashier service system 203 by 202.Cashier service 203 is according to from payment platform Payment result and the transaction details more new record of interface 202.Cashier service 203 is asynchronous to send payment result and transaction details To the operation system backstage 102 of operation system.
Financial data system 30 includes service database 301, sorting database 302 and financial affairs receipt system 303. Service database 301 receives the business datum on the operation system backstage 102 from operation system 10.Business datum includes：Order Data, transaction data and payment result.Wherein, order data includes business information or part of it.Transaction data includes transaction Number or Transaction Identification Number and transaction details or part of it.Sorting database 302 receives the sorting number from Third-party payment platform According to, i.e., periodically from bank or member's remaining sum system receive its push sorting data.Financial affairs receipt system 303 utilizes business datum The business datum in library 301 and the sorting data of sorting database carry out sorting reconciliation, and according to the requirement manufacturing of financial system Business voucher and sorting voucher.
Financial system 40 includes voucher database 401.Voucher database 401 is received from financial data system 30 The sorting voucher of financial affairs receipt system 303.
Industry wealth integral system of the invention realizes the integration between operation system 10 and financial system 40 as a result,.? Data sharing and procedure correlation are realized between each system inside industry wealth integral system, enterprise can be greatlyd improve Operational efficiency brings better customer experience to user.
The industry wealth integral system of the present invention can be suitable for multiple business form.For example, business system of the invention System can be adapted for the various industry situations such as car rental system, network about vehicle system, take-away system.One spy of these business forms Point is that trading frequency is high, loco range is wide, customer experience requirement is high, the difficulty of financial data is big.In industry In the case that business system is detached with financial system, enterprise must put into a large amount of manpower and go to handle the magnanimity business number generated daily According to and financial data, carry out finance sorting and reconciliation, make relevant financial affairs receipt.This becomes operation cost of enterprises and occupies height not Under one of the major reasons.In some embodiments of the industry wealth integral system of the application present invention, independent unified cashier The characteristics of can adapt to trading frequency and the loco of these enterprises.Financial data system passes through to business datum and clearly The integration of divided data can realize automatic sorting reconciliation and make financial affairs receipt.This can greatly reduce the operation of enterprise at This.
Fig. 2 is industry wealth integral system data flow schematic diagram according to an embodiment of the invention.In order to preferably say The payment platform interface 202 of circulation of the bright data between each system, cashier 20 is individually showed.However, payment Platform interface 202 still should be considered as a part for cashier 20.
According to one embodiment of present invention, cashier 20 further comprises cashier management module 204.Cashier management Module 204 is for supporting operation maintenance personnel to configure and manage cashier 20.
According to one embodiment of present invention, cashier and external data center 205, log service module 206 and APPID service modules 207 are connected to obtain relevant service.In order to be better described data flowing and service association, number Shown in fig. 2 by independent earth's surface according to center 205, log service module 206 and APPID service modules 207.The present invention's In some other embodiment, they can also be formed integral with one another into one or more entities for providing a variety of service functions.
Data center 205 is used to, to operation maintenance personnel, such as contact staff or administrator, provide login and authentication service. Data center 205 obtains the log-on message for logging in 20 personnel of cashier from the cashier front end 201 of cashier 20, will mirror after authentication It weighs result and returns to cashier front end 201.Log service module 206 and APPID service modules 207 take from the cashier of cashier 20 Business system 203 obtains daily record data and key, provides log services and encryption key authentication service.
As shown, the user or shops member of operation system 10 generate order by operation system 10.In the present invention Some embodiments in, the order of operation system 10 includes the order that user is generated using the service that operation system provides, such as： About vehicle order, order of hiring a car, take-away order etc..These orders either post-pay paystation either post-paid can apply this hair Bright industry wealth integral system.These information are that financial system 40 is of concern.On the other hand, the order of operation system 10 also wraps The order generated using similar financial function is included, such as stored value card supplements order with money, stored value card consumes order, member integrates consumption and orders Single, accounting system changes order etc..These orders are not related to the sorting reconciliation with bank.But to involved by these orders And the variation of Stored Value card information, membership information or tent information be also required to and the system sorting reconciliation of member's remaining sum and make phase Close voucher.
Operation system 10 sends transaction request according to order to cashier 20.In order to reduce the burden of data transmission, business System 10 only will be sent to cashier 20 in order with relevant data of merchandising.According to one embodiment of present invention, transaction is asked Ask only includes order number and information to be paid, such as order number, the means of payment, payment amount, currency type.Operation system 10 will include The business datum of order detail is sent to financial data system 30 to generate financial affairs receipt.An implementation according to the present invention Example, business datum include：Order number, service code, user information, the information of service provider, Transaction Identification Number, the means of payment, branch Pay the information such as the amount of money, currency type.The less high efficiency that ensure that transmission of the data volume of transaction request and load are in controllable Range.Include more order datas, transaction data and payment result in business datum.Although data volume is larger, by Can't be that system increase larger burden in not high for requirement of real-time.Moreover, business datum has enough information content It disclosure satisfy that the follow-up needs for making business voucher and sorting reconciliation, also can be when there is sorting reconciliation failure, financial staff The reason of sorting reconciliation failure can be easily found out, improve working efficiency.
Further, the cashier front end 201 of cashier 20 sends payment result to operation system in real time, to notify industry Whether the payment of business system succeeds.It is paid moreover, the cashier service system 203 of cashier 20 is also asynchronously sent to operation system As a result detailed with payment.This mode both ensure that the real-time of result feedback, also avoid causing due to transmission etc. Loss of learning so that operation system can preserve completely information related with order.
Financial data system at regular intervals obtains sorting data from Third-party payment mechanism (including member's remaining sum system).Wealth Be engaged in data processing system utilize business datum and sorting data, carry out sorting reconciliation, make financial affairs receipt (including business voucher and Sorting voucher) and push it to financial system 40.
Those skilled in the art should be noted that more than stream compression process can fully illustrate the present invention industry wealth one The advantage of body system.Operation system is a large amount of prominent by the load balancing reply in high in the clouds in the industry wealth integral system of the present invention Send out flow.Highly developed technology is had existed in the prior art, and details are not described herein.In existing system, function for receiving cash It is usually integrated with business function and realizes load balancing.It is even complete but since business and financial many projects are not corresponding It is two sets of different systems entirely, having both the system structure of business and function for receiving cash can become extremely complex, it is difficult to provide more wealth Support in terms of business.Cashier forms the system that is independent, therefore the present invention by separation in the industry wealth integral system of the present invention Cashier be also required to solve the problems, such as load balancing.For this purpose, the present invention is by redefining between operation system and cashier Transaction request, transaction request only include seldom data volume, reduce the scale of data exchange between two systems, avoid Frequent data exchange.On the other hand, cashier of the invention also take corresponding classification of service and load balancing measure (with It is described in detail afterwards).This makes present invention is equally capable to adapt to a large amount of burst flow, to increase the stability of system.Similarly, number External according to center, daily record and APPID service is supported to be also beneficial to load balancing.
Different from cashier, financial data system requires but not high to requirement of real-time computing capability, because This need not particularly consider load balance.The data that operation system is sent to financial processing system are business datum comprising Transaction data and payment result from cashier.Sorting data are similarly sent to financial data system.Financial number High in the clouds is can be only fitted to according to processing system, utilizes the computing capability in high in the clouds；It can also configure on the server of enterprises.
Financial staff is using the financial system on enterprises server and can check the voucher in voucher database.Into One step, financial staff can carry out artificial sorting reconciliation using financial data system within the scope of authority and make manually Make financial affairs receipt.Financial staff is not allowed to direct access service system and cashier generally.Financial data system can To realize the limited inquiry of operation system and cashier including corresponding interface.Information needed can be obtained in guarantee financial staff On the basis of avoid unnecessary permission grant.Alternatively, financial staff is by there is the operation maintenance personnel of mandate to obtain information needed. It may further ensure that the information security of industry wealth integral system in this way.
Fig. 3 is the structural schematic diagram of cashier according to an embodiment of the invention.Fig. 4 is according to one implementation of the present invention The schematic diagram of the cashier technical implementation way of example.As shown, cashier uses layer architecture, including：Cashier services T2/ T1, cashier front end T3, cashier manage T3；Wherein cashier service T1 is embodied in cashier in the form of Business Logic BLL It services in T2/T1；Cashier database is embodied in the form of data access layer DAL in cashier service T2/T1.
Cashier service T2/T1 is the core of cashier.As shown, operation system 10 is by calling cashier front end T3 The payment page push transaction request (1) of offer；Cashier front end T3 calls cashier service T2 push transaction requests (2), adjusts It is serviced with APPID and completes authentication (3).APPID services are used for verifying the data of reception.Enter payment rank after completing authentication Section.Cashier services T2/T1 and calls payment platform interface 202 to corresponding Third-party payment platform push payment request (4), and Payment result and transaction details (5) are returned, APPID services is called to complete authentication (6).Cashier services T2/T1 by payment result It is pushed to operation system 10 (7) with transaction details, calls log services push log information (8).If necessary to be sent to user Short message, cashier service T2/T1 and call short message service (9), notify user.Transaction is completed as a result,.
For the consumption order such as stored value card or member's integral, cashier front end T3 will push order data to payment platform Interface 202 (10), payment platform interface 202 return to payment result and transaction details to cashier front end T3 (11), cashier clothes Be engaged in T3 calling cashier service T2/T1 (12), and cashier services T2/T1 and calls data processing service T2/T1 (13), realizes three-level Account updates.Cashier services T2/T1 and log services is called to push log information.
The operation maintenance personnel of management for to(for) cashier, cashier manage T3 and cashier service T2/T1 are called to complete cash register The management (14) of platform, calls APPID services to complete authentication, and cashier services T2/T1 and log services is called to push log information.
With reference to figure 4, the configuring condition of the cashier service under layer architecture is further illustrated.As shown, cashier can To be divided into DAL layers of UI layers of user interface layer, BLL layers of Business Logic and data access layer.Specifically, cashier front end T3 and Cashier management T3 may be considered that the acquisition that showing interface and user information are used in UI layers and feedback.For example, Cashier front end T3 can provide a user payment interface and confirm the payment services of user.Cashier manages T3 user to O&M Personnel, such as contact staff or administrator provide the functions such as basic data management, transaction record inquiry, payment recognition and reimbursement Interface.Cashier service T2 and T1 may be considered that in Business Logic.Cashier service T2 realizes the main of cashier Data processing function, including order payment, basic data management, transaction record inquiry, payment recognition and reimbursement etc..Further Ground, cashier service T2 can call the data processing service of cashier；Or the data processing service of cashier can be recognized It is serviced in T2 to be incorporated into cashier.Cashier service T1 be with the relevant service of cashier database, such as based on Entity The service of Framework exploitations.T1 is serviced by using cashier, developer can break away from SQL.In other words, make to be ignorant of SQL Also can database operation.Cashier of the invention can have more the flexibility of exploitation and higher adaptation as a result, Property.Even if the part of database changes, cashier does not need to develop again.Further, cashier database, data Center, log services, APPID services and short message service may be considered that in DAL or T0 layers of data access layer.To receive For silver-colored platform database, cashier database support transaction data, basic data management, transaction record inquiry, payment recognize and The storage of the records such as reimbursement.According to one embodiment of present invention, the function with log services interaction can also be integrated into receipts In silver-colored platform database and by the operation related with log services of cashier database realizing.
Fig. 5 is cashier arrangement schematic diagram according to an embodiment of the invention.As shown, cashier front end can be with cloth It sets on the customer side server zone of front network.Front network passes through fire wall 501, load equalizer 502 and read and write abruption System 503 is connected with operation system.Cashier service T2/T1 can be arranged on the public server group of public network, be led to Overload balanced device 504 is connected with front network.Cashier database can be arranged on data bank network, pass through read-write point It is connected with public network from system 505.Cashier management T3 can be arranged on the management network of enterprise.Managing network mistake VPN506 is connected with operation system.Management network is further all mutually interconnected with front network, public network and data bank network It connects.Make the cashier of the present invention i.e. by the way that cashier to be arranged on multiple networks, and by load balance system appropriate Make the stabilization that system can be also kept when coping with a large amount of burst flows.
Fig. 6 is cashier database structure schematic diagram according to an embodiment of the invention.Fig. 7 is according to one of the invention The database flow diagram of embodiment.As shown in fig. 6, the main storage table of database is the main table of trading pit and trading pit sublist. The state of trading pit main table reflection transaction, for example, the main table S=of trading pit (0- is to be transacted, 1- merchandises successfully, 2- Fail Transactions, 3- Transaction time-out, 4- transaction are cancelled).Trading pit sublist reflects the state of transaction request, such as trading pit sublist S=(0- do not ask, 1- has requested that, 2- merchandises successfully, 3- Fail Transactions, 4- transaction is overtime, 5- transaction is cancelled, 6- repeat business).Correspondingly, data Library maintains data center related with data center to push main table and data center's push sublist, the two and the main table of trading pit and friendship Easy pond table is connected.
For already existing request, database maintains transaction request information table and refund request information table.The two and friendship The main tables of Yi Chi and sublist are connected with each other.Further, database maintains payment request information table, including but not limited to member's remaining sum Payment request information table, polymerization payment payment request information table, wired POS payment request informations table, wireless POS payment request letter Cease table etc..Correspondingly, database maintenance payment result information table, including but not limited to member's remaining sum payment result information table gather Close payment payment result information table, wired POS payments return to table, wireless POS receives table.
With reference to figure 7, tetra- letters of C, U, R and D respectively represent newly-increased C, modification U, read R, delete D；S：Indicate transaction shape State.Order number：It is generated by each operation system, cashier is not limited and provides.Transaction Identification Number：It is generated, such as merchandised by cashier Serial number.Payment number：It is generated by each payment platform, if payment platform does not generate payment number, is taken with reference significance only One number, such as：The bank POS means of payment takes POS serial numbers.Same transaction in Fig. 7, which refers to cashier, to be allowed to hand at present For the main tables of Yi Chi there are a transaction (conditional code 0) to be paid, more have requested that transaction (conditional code 1).
Below using the variation of database as clue, the process of exchange of cashier is indicated in detail.In entire process of exchange 700 from Request detection completion starts and (clicks immediate payment)-merchandise to complete (including success, failure, time-out, cancellation), does not include transaction letter Breath returns.Specifically comprise the following steps：
In step 701, transaction request enters, first according to type of transaction TradeType, order number OrderCoding and Transaction journal JYLS searches transaction request table TradeRequest；
In step 702, judge whether to be the transaction initiated for the first time, searching no record is then, and record is not then；
In step 703, then newly-increased one of required list TradeRequest is recorded for no record；Otherwise, step is passed directly to 707；
In step 704, after receiving immediate payment confirmation, the newly-increased record of main table DealTradeMain, state DealStatus is 0 to be transacted；The newly-increased record of sublist DealTradeChild, state Status are not asked for 0
In step 705, cashier initiates payment request from trend third party's channel.Details are as follows：
If member's remaining sum is merchandised, then a request record, while sublist are inserted into member's balance request table DealTradeChild states Status is revised as 1 and has requested that；
If the present payment transaction such as wechat or Alipay or bank card, then a request is inserted into present payment request table Record, while sublist DealTradeChild states Status is revised as 1 and has requested that；
If wired POS transaction, then a request record, while sublist are inserted into wired POS required lists DealTradeChild states Status is revised as 1 and has requested that；
If wireless POS is merchandised, then a request record, while sublist are inserted into wireless POS required list DealTradeChild states Status is revised as 1 and has requested that；
In step 706, after the completion of waiting for Third-party payment, following action is taken according to different situations：
If member's remaining sum is merchandised, then returns to table to member's remaining sum and be inserted into a response record, while sublist DealTradeChild states Status is according to real trade results modification (2 successes, 3 failures, 4 time-out), main table DealTradeMain states DealStatus modifications (1 success, 2 failures, 3 time-out)
If the present payment transaction such as wechat or Alipay or bank card, then one is inserted into the synchronous table that returns of present payment Record, now pay asynchronous notifications return table be inserted into one record, while sublist DealTradeChild states Status according to Real trade results modification (2 successes, 3 failures, 4 time-out), main table DealTradeMain states DealStatus changes (1 one-tenth Work(, 2 failures, 3 time-out)
If wired POS transaction, then returns to table to wired POS and be inserted into a record, while sublist DealTradeChild State Status is according to real trade results modification (2 successes, 3 failures, 4 time-out), main table DealTradeMain states DealStatus modifications (1 success, 2 failures, 3 time-out)
If wireless POS is merchandised, then returns to table to wireless POS and be inserted into a request record, while sublist DealTradeChild states Status is according to real trade results modification (2 successes, 3 failures, 4 time-out), main table DealTradeMain states DealStatus modifications (1 success, 2 failures, 3 time-out)
In step 707, if there is record is not then to initiate for the first time, then according to the major key of required list TradeRequest TradeRequestID searches main table DealTradeMain and sublist DealTradeChild
In step 708, if if main table and sublist do not record, by 704 to 706 steps flow chart rule process；
In step 709, if if main table DealTradeMain state DealStatus=1, sublist DealTradeChild State Status=2 is indicated successfully, then jumps to corresponding success page；
In step 710, if main table DealTradeMain state DealStatus=2, sublist DealTradeChild shapes State Status=3 indicates failure, then is inserted into a record to sublist DealTradeChild, and state Status is not asked for 0, with Afterwards according to 705 to 706 steps flow chart rule process；
In step 711, if main table DealTradeMain state DealStatus=3, sublist DealTradeChild shapes State Status=4 indicates time-out, then is inserted into a record to sublist DealTradeChild, and state Status is not asked for 0, with Afterwards according to 705 to 706 steps flow chart rule process；
In step 712, if main table DealTradeMain state DealStatus=0, sublist DealTradeChild shapes State Status=0 expressions are not asked, are handled by following situation：
If not wireless POS merchandise, not to Third-party payment initiate ask, then update former Transaction Information, then according to 705 to 706 steps flow chart rule process；
If it is wireless POS merchandise, judge the time difference=(current time in system-sublist DealTradeChild create when Between CreateTime), be less than 120 seconds prompt " existing wireless POS transaction to be paid, checked turning back to operation system ", otherwise Whether prompt Cancels Transaction；
In step 713, if main table DealTradeMain state DealStatus=0, sublist DealTradeChild shapes State Status=1 expressions have requested that that is, Third-party payment is carrying out, and prompt whether cancel former transaction；
In step 714, terminate flow if selection is not cancelled；
In step 715, main table and sublist are inquired again if selecting to cancel；If current main table DealTradeMain State Satus is not equal to 1, then main table status is 0, and the record that sublist state is 1 is changed to 5 cancellations then according to 705 to 706 steps Rapid flow rules processing；
In step 716, if selection cancels however former transaction continues, and is asked according to the transaction of asynchronous push after successful Odd numbers matching sublist record is sought, sublist DealTradeChild states Status is revised as 6 repeat business, main table status DealStatus is updated to 1.
Corresponding trading pit sublist is searched according to transaction request number and is recorded if former transaction request success in step 717；
In step 718, if sublist S=1, then it represents that merchandise successfully；
In step 719, if sublist S is not equal to 1, representative has issued repeat business really, by sublist DealTradeChild states Status is revised as 6 repeat business, and main table status DealStatus is updated to 1.
According to one embodiment of present invention, only there are one trading card information for one transaction request of the main table in order pond.Son Table has a plurality of transaction record, corresponds to different transaction requests respectively, but normal success status Status=1 only has one, can To there is a plurality of repeat business successful information Status=6.
According to one embodiment of present invention, all update trading pit sublist stateful transactions and the main table transaction shape of trading pit State will pay attention to：If the main table of trading pit is the successfully Status=1 that merchandises, trading pit sublist state is only updated, not more New Transaction The main table status in pond.
Fig. 8 is the schematic diagram of financial data system according to an embodiment of the invention.As shown, financial data Processing system includes service database 801, sorting database 802, sorting reconciliation module 803, business voucher module 804, sorting Credentials module 805 and voucher pushing module 806.
Service database 801 is used to receive business datum from operation system.Business datum includes order data, transaction data And payment result.According to one embodiment of present invention, when each propelling data of operation system to financial data platform, industry It is both needed to include order details in business data.According to one embodiment of present invention, business datum includes：Type of service is ordered Odd numbers, user information, Service provider information, service location, exchange hour, transaction amount, stateful transaction, channel of disbursement, branch The information such as Fu Hao, the means of payment, currency type.
Sorting database 802 is used to receive sorting data from Third-party payment platform.Sorting data include bank's sorting number According to member's remaining sum sorting data.For example, the sorting data of bank include Routing Number, summarize the amount of money, the sorting date, hand over The information such as Yi Hao, the amount of money, service charge, trade date.Member's remaining sum sorting data include membership payment information, gathering member's letter The information such as breath, type of service, sorting date, Transaction Identification Number, the amount of money, service charge, trade date.
Sorting reconciliation module 803 for realizing automatic or manual sorting reconciliation function.Specifically, sorting reconciliation, i.e., The sorting data that Third-party payment mechanism provides carry out reconciliation with business flowing water detail.
For example, the reconciliation of bank can be carried out according to following rule：Bank provide sorting detailed data in certain The transaction amount of Transaction Identification Number is compared with the transaction amount of the Transaction Identification Number in operation system；If the amount of money is equal, the Transaction Identification Number Corresponding sorting detail reconciliation is consistent, i.e. reconciliation success；Such as not, then the corresponding sorting detail reconciliation of the Transaction Identification Number is not or not the amount of money Flat, i.e. reconciliation fails.
For example, the reconciliation of member's remaining sum can be carried out according to following rule：Member's remaining sum reconciliation, which is divided into, summarizes reconciliation With detailed reconciliation.If certain Transaction Identification Number data summarization reconciliation and detailed reconciliation success, transaction data member's remaining sum sorting pair Account success；As certain Transaction Identification Number data summarization reconciliation or detailed reconciliation failure, then transaction data member remaining sum sorting reconciliation fail.
For summarizing reconciliation, certain Transaction Identification Number transaction amount and operation system number in the sorting detailed data that member's remaining sum provides The Transaction Identification Number transaction amount compares in, and if the amount of money is equal, then the corresponding sorting of the Transaction Identification Number summarizes reconciliation and is consistent, i.e., reconciliation at Work(；Such as not, then the corresponding sorting of the Transaction Identification Number summarizes reconciliation injustice to the amount of money, i.e. reconciliation fails.
For detailed reconciliation, after the corresponding sorting of certain Transaction Identification Number summarizes reconciliation to symbol, the Transaction Identification Number detail reconciliation is carried out, point Whether equal the amount of money, real savings volume, the rebating amount of money real He Dui not be filled；The amount of money, real savings volume, rebating amount of money difference phase are filled strictly according to the facts Deng, then the corresponding sorting reconciliation of the Transaction Identification Number to symbol, i.e., reconciliation success；Such as correspond to amount of money difference not, then Transaction Identification Number is corresponding Sorting reconciliation is uneven, reconciliation failure.Certainly summarize sorting reconciliation injustice such as certain transaction data, which no longer carries out detailed right Account.
Business voucher module 804 is used to make business voucher according to business datum.Business voucher includes but not limited to：It is advance Voucher, income voucher, reimbursement voucher, supplement voucher with money, stored value card sells card refund voucher, stored value card date credential etc..
Sorting credentials module 805 is used to make sorting voucher according to the reconciliation result of sorting reconciliation module 803.Sorting voucher The corresponding detailed business data of sorting data including the offer of Third-party payment mechanism comprising but it is not limited to bank's sorting Voucher and member's remaining sum sorting voucher.
For example, bank's sorting voucher includes：Affiliated Routing Number summarizes the amount of money and detailed value data, is matched The information such as order number, payment number, exchange hour, sorting time, server's information.Member's remaining sum sorting voucher includes summarizing and bright Count accurately according to, it is real fill, real savings volume, exchange hour, the sorting time, the information such as membership information.
Business voucher and sorting voucher are pushed to financial system by voucher pushing module 806.A reality according to the present invention Example is applied, business voucher module 804, sorting credentials module 805 and voucher pushing module 806 can uniformly be configured to a token system Make module or there are other configurations.These configurations are all among protection scope of the present invention.
Financial data system realizes automatically sorting reconciliation as a result, and financial affairs receipt makes function.This can pole The earth reduces the work load of financial staff, improves working efficiency, reduces the cost of enterprise.What is more important, for movement The business scenario of internet, financial data system of the invention are detached with other systems without facing a large amount of burst number According to both ensure that operating steadily for system also reduces the burden of enterprise.
Fig. 9 is industry wealth integrated management method according to an embodiment of the invention.This method comprises the following steps：
In step 901, transaction request is received from operation system；
In step 902, completes payment using cashier and return to payment result to operation system；
In step 903, business datum is received from operation system；
In step 904, sorting data are received from Third-party payment platform；
In step 905, the order data and transaction data and sorting data received is utilized in financial data system Carry out sorting reconciliation；
In step 906, the order data and transaction data and sorting data received is utilized in financial data system Make financial affairs receipt；And
In step 907, financial affairs receipt is pushed to financial system.
Figure 10 is sorting account checking method according to an embodiment of the invention, is included the following steps：
In step 1001, sorting data are received from Third-party payment platform.Sorting data include the bank received from bank Sorting data or the member's remaining sum sorting data received from member's remaining sum system.Bank or member's remaining sum system can be regular (such as daily) sends sorting data to financial data system.It will be appreciated by those skilled in the art that according to different enterprises The difference of type of service, sorting data may also have other sources.
Table 1 is the example of bank's sorting data according to an embodiment of the invention：
In step 1002, business datum is received.Business datum includes order detailed data, transaction data and payment result. According to one embodiment of present invention, business datum includes order detailed data so that business voucher module can be made with this Business voucher carries out sorting reconciliation, and makes financial staff that can in most cases inquire order detail and determine not The successful reason of energy sorting reconciliation, to provide working efficiency.
Table 2 is the example of business datum according to an embodiment of the invention：
Title Type Explanation
Service code Text (summary)
Order number Text
Business serial number Text
Transaction Identification Number Text
Member ID Text
Trade date Text
Service commodity Text
Server's code 1 Text
Server's code 2 Text
Order status Text
Charge title Text
Charge is total Text
Type of transaction Text
Channel of disbursement Text
Payment number Text
The means of payment Text
Payment amount Text
Currency type Text
Reference retrieval number Text
In step 1003, matching business datum and sorting data.If for a transaction, business datum and sorting data It is consistent, then successful match；Otherwise, it fails to match.According to one embodiment of present invention, so-called " being consistent " refers to transaction phase It accords with and the amount of money is consistent.For example, if all including to be directed toward same item to merchandise in business datum and in sorting data Data are then considered the data that transaction is consistent in business datum with the data for being directed toward this transaction in sorting data.Such as In the data that fruit transaction is consistent, the amount of money of business datum is also identical as the amount of money of sorting data, it may be considered that transaction was consistent DB amount is also consistent.Thus, it is possible to think successful match.
Below by taking the sorting reconciliation of bank's sorting data and member's remaining sum sorting data as an example, be described in detail business datum with The matching process of sorting data.It will be appreciated by those skilled in the art that other kinds of sorting data can also contrast this two kinds Sorting data carry out in a similar manner.
In some embodiments of the invention, the matching of bank's sorting data can carry out as follows：
In step 1010, selection Transaction Identification Number in bank's sorting data；
In step 1011, the Transaction Identification Number is searched in business datum；
Compare the transaction in bank's sorting data in response to finding the Transaction Identification Number in business datum in step 1012 Number corresponding transaction amount transaction amount corresponding with the Transaction Identification Number in business datum；
In step 1013, in response to the friendship in the corresponding transaction amount of the Transaction Identification Number in bank's sorting data and business datum Easy number corresponding transaction amount is equal, then the corresponding sorting detail reconciliation of the Transaction Identification Number is consistent, i.e. successful match；
In step 1014, in response to not finding the friendship in the Transaction Identification Number or bank's sorting data in business datum Easy number corresponding transaction amount transaction amount corresponding with the Transaction Identification Number in business datum is unequal, then corresponding without the Transaction Identification Number Business is detailed or the corresponding sorting detail reconciliation of the Transaction Identification Number is uneven, i.e., it fails to match.
It will be appreciated by those skilled in the art that the index that above sorting reconciliation uses is Transaction Identification Number.Silver can also be used Other identifier in row sorting data carries out sorting reconciliation, such as reference retrieval number as index.Certainly, which should also be as It is included among business datum.
In some embodiments of the invention, for pre-authorization business, it is regarded as an individually transaction, is brushed using original The Transaction Identification Number of pre-authorization business is taken to carry out reconciliation.Subsequent consumption is also considered as an individually transaction, Transaction Identification Number when using consumption Carry out reconciliation.In some embodiments of the invention, for reimbursement business, no longer it is regarded as an individually transaction.Into When row matching, Transaction Identification Number when being consumed using former swipe carries out reconciliation.Reimbursement for pre- pre-sales business, it is pre- pre-sales using swipe The Transaction Identification Number of business carries out reconciliation.Such setting can ensure matched be smoothed out.
In some embodiments of the invention, the matching of member's remaining sum sorting data can carry out as follows：
In step 1020, a Transaction Identification Number in member's remaining sum sorting data is selected；
In step 1021, the Transaction Identification Number is searched in business datum；
In step 1022, in response to finding the Transaction Identification Number in business datum, comparing should in member's remaining sum sorting data Transaction Identification Number is corresponding to summarize the amount of money and the Transaction Identification Number is corresponding in business datum summarizes the amount of money；
In step 1023, summarize in the amount of money and business datum in response to the Transaction Identification Number in member's remaining sum sorting data is corresponding The Transaction Identification Number is corresponding to summarize that the amount of money is equal, then compares this and summarize each subitem amount of money under the amount of money；
In step 1024, summarize each subitem gold under the amount of money in response to the Transaction Identification Number in member's remaining sum sorting data is corresponding Volume is corresponding with the Transaction Identification Number in business datum to summarize that each subitem amount of money under the amount of money is equal, then the corresponding sorting of the Transaction Identification Number is bright Thin reconciliation is consistent, i.e. successful match；Wherein each subitem amount of money includes but not limited to：The amount of money, real savings volume, the rebating amount of money are filled in fact Deng.
In step 1025, in response to following situations, the corresponding sorting detail reconciliation of the Transaction Identification Number is not consistent, that is, can not match Work(：
1. not finding the corresponding transaction of the Transaction Identification Number in business datum；
2. to summarize the amount of money corresponding with the Transaction Identification Number in business datum for the Transaction Identification Number corresponding in member's remaining sum sorting data To summarize the amount of money unequal；
3. the Transaction Identification Number is corresponding in member's remaining sum sorting data summarizes any one in each subitem amount of money point under the amount of money The amount of money is corresponding with the Transaction Identification Number in business datum to summarize under the amount of money that the corresponding subitem amount of money is unequal in each subitem amount of money.
It will be appreciated by those skilled in the art that the index that above sorting reconciliation uses is Transaction Identification Number.Silver can also be used Other identifier in row sorting data carries out sorting reconciliation, such as reference retrieval number as index.Certainly, which should also be as It is included among business datum.
In some embodiments of the invention, member's remaining sum system may have increasingly complex structure, may include more More subitem amount of money, more complicated computation rule.It, can be only for for a moment in order to improve the efficiency of member's remaining sum sorting reconciliation Member's last time transaction carries out sorting reconciliation.If what last time merchandised sorting reconciliation is matched, before being directed to Sorting reconciliation can only compare and summarize the amount of money, without comparing the subitem amount of money.If last time transaction sorting reconciliation is not Match, then continuing with last time transaction sorting reconciliation, and so on.
It is in step 1004, matched business datum is associated with sorting data.Matched business datum and sorting data For the automatic successful data of sorting reconciliation.Matched business datum and sorting data is interrelated, to complete sorting reconciliation.
In step 1005, not matched business datum is shown with sorting data.Although automatic sorting reconciliation is simple It is convenient, it can be automatically completed most sorting reconciliation work, but still have partial service data and exist with sorting data Unmatched situation.These situations will be included into the case where appearance exception financial data.
Business datum occur, there are the notes that unmatched reason may be operation system or banking system with sorting data Caused by the existing difference of record.For example, for a certain Transaction Identification Number, only occur in business datum/sorting data, sorting Lack corresponding occurrence in data/business datum.Alternatively, for a certain Transaction Identification Number, business datum is merchandised with sorting data There is the case where amount differ in the data being consistent.
It is form that business datum has that unmatched reason is also possible to sorting data.For example, Transaction Identification Number or the amount of money Occur space, the amount of money occur behind more " 0 " or space, Transaction Identification Number before format error, such as Transaction Identification Number or the amount of money The positional fault etc. of appearance.These form problems may also cause financial data system that can not be automatically performed reconciliation.
For abnormal financial data, financial staff can be associated with sorting data by business datum in a manner of manual, Carry out manual sorting reconciliation.Therefore, in this step, not matched business datum and sorting data are shown, it is subsequent to realize Manual sorting reconciliation.
In step 1006, manual association business datum and sorting data.Being introduced as before, in this step, financial people Member realizes manual sorting reconciliation in a manual fashion by business datum and sorting data correlation.Financial staff relatively fails to match Business datum and sorting data, determine the reason of failing matching.If failed matched the reason is that the reasons such as format issues, wealth Business datum can be associated with by business personnel in financial data system with financial data, complete manual sorting reconciliation.
Figure 11 is the flow chart of abnormal financial data according to an embodiment of the invention.For abnormal financial number According to financial staff can carry out manual reconciliation.Further, for caused by the record difference of operation system or banking system Abnormal financial data, financial staff, which needs to inquire, to cause to record different reasons.
According to one embodiment of present invention, abnormal financial data processing method includes the following steps：
In step 1101, it is illustrated in business datum and sorting data that sorting reconciliation fails Auto-matching in the process.One In a little embodiments, business datum and sorting data are divided into two columns and show, and according to identical rule compositor.For example, industry Data of being engaged in and sorting data are arranged all in accordance with Transaction Identification Number with ascending order or descending.Further, the identical business datum of Transaction Identification Number Identical or close horizontal position can be in two columns with sorting data, to facilitate financial staff to handle.Certainly, business number It can also sort according to sorting data, such as be ranked up according to exchange hour otherwise.
Financial staff inspects the business datum for failing Auto-matching and sorting data, and step is gone to according to different situations 1102 and 1105 or 1108.
In step 1102, it is illustrated in the business datum and sorting data of Auto-matching during sorting reconciliation.In some realities It applies in example, business datum and sorting data fail matched the reason is that financial data system will be wrong in automatic sorting reconciliation Business datum accidentally and sorting data correlation.Therefore, financial staff carry out may needing to cancel when manual reconciliation mistake from Dynamic matching result.In some embodiments, business datum and sorting data are divided into two columns and show, and are arranged according to identical rule Sequence.For example, business datum and sorting data are arranged all in accordance with Transaction Identification Number with ascending order or descending.Further, Transaction Identification Number Identical business datum and sorting data can be in identical or close horizontal position in two columns, to facilitate at financial staff Reason.Certainly, business datum and sorting data can also sort otherwise, such as are ranked up according to exchange hour.
In step 1103, cancel being associated between business datum and sorting data.Financial staff has found wrong after verification Auto-matching accidentally can then cancel the Auto-matching of mistake in this step.
In step 1104, manual association business datum and sorting data.It, can be again after financial staff cancels erroneous matching It returns to and does not match the page, manual association business datum and sorting data realize manual sorting reconciliation.
In step 1105, for the sorting data that Transaction Identification Number does not inquire in business datum, inquiry and the Transaction Identification Number phase The daily record of pass.In some embodiments of the invention, cashier generated daily record when completing to merchandise can be stored in independence Log service module or cashier database in.Since Transaction Identification Number is sequentially generated in the trading pit that cashier maintains , each Transaction Identification Number can have corresponding daily record.Financial staff can recognize the detailed of transaction by inquiring corresponding daily record The reason of thin process and the corresponding information of the Transaction Identification Number are not sent to operation system.Further, financial staff can be by This understand the reason of corresponding information of the Transaction Identification Number is not forwarded to financial data platform and the Transaction Identification Number by bank or The reason of person member's remaining sum system records.Specifically, financial data system may include the first query interface, financial people Member can be sent out and asked to log service module or cashier database by the interface input inquiry information (such as Transaction Identification Number) It asks.After log service module or cashier receive request, transfers corresponding daily record and be sent to financial data module, for wealth Business personnel browse.According to one embodiment of present invention, log service module is either at cashier database or financial data Reason system includes daily record translation module.Since for non-technical personnel, daily record may be difficult to understand for.It can by daily record translation module Financial staff or business personnel are translated into daily record it will be appreciated that in a manner of present.For belonging to cashier or operation system The reason of, go to step 1106；Otherwise, step 1109 is passed directly to.
In step 1106, the corresponding business datum of the Transaction Identification Number is generated and by the corresponding business datum of the Transaction Identification Number and the friendship Easy number corresponding sorting data are associated.Lead to the corresponding business datum of the Transaction Identification Number due to cashier or operation system The case where being not sent to financial data system, financial staff can merge order detailed data and the Transaction Identification Number pair manually The transaction data answered and generate business datum, and manually complete being associated with for business datum and sorting data.
In step 1107, be consistent for Transaction Identification Number but the case where amount differ, inquiry and the relevant daily record of the Transaction Identification Number with And the order of operation system.In some embodiments of the invention, cashier generated daily record when completing to merchandise can deposit Storage is in the database of independent log service module or cashier.Financial staff can by inquiring corresponding daily record Solve the detailed process and transaction amount of transaction.Specific step is similar with step 1105, and which is not described herein again.Further Ground, financial staff can be with inquiry business systems, to obtain the information in terms of more business.Specifically, financial data system System may include the second query interface, and financial staff can be by the interface input inquiry information (such as Transaction Identification Number) to business system System sends out request.After operation system receives request, transfers corresponding order and be sent to financial data module, for financial staff Browsing.The reason of for belonging to operation system or cashier, go to step 1108；Otherwise, step 1109 is gone to.
In step 1108, the corresponding business datum of the Transaction Identification Number is changed and by the corresponding business datum of the Transaction Identification Number and the friendship Easy number corresponding sorting data are associated.Lead to the corresponding business datum of the Transaction Identification Number due to cashier or operation system The case where amount of money is with sorting amount differ, financial staff can be with manual modification order detailed data or the corresponding friendship of the Transaction Identification Number Easy data and generate new business datum, and manually complete being associated with for the business datum and sorting data.
In step 1109, not matched sorting data are exported.Matched sorting data are failed for this part, are caused not The reason of matching may be there is a problem for bank or member's remaining sum system.This part of sorting data can export.It leads Data after going out can send back bank or member's remaining sum system.
According to a further embodiment of the invention, financial staff is not authorized to inquiry business system and cashier.Finance Data processing system also need not include just the first query interface and the second query interface.After step 1104, at financial data Reason system will fail matching and also fail to find out business datum and the export of sorting data of reason, and these derived data are sent To operation maintenance personnel.Operation maintenance personnel has higher permission, being capable of inquiry business system and cashier system.Operation maintenance personnel inquires this A little derived corresponding orders of data and transaction log.If failed matched the reason is that operation system or the original of cashier Cause, operation maintenance personnel make corresponding modification again by modified business datum be pushed to financial data system carry out it is automatic clear Divide reconciliation.Alternatively, these contents are returned to financial staff by operation maintenance personnel.Financial staff carries out manual sorting using these information Reconciliation.The case where the reason of for failing matching is not belonging to operation system or cashier, financial staff is exported and is returned to Bank or member's remaining sum system.
Tracking and correction for abnormal financial data are existing financial system or the impossible work of operation system Make, generally requires financial staff and contact business department's verification order and payout status in a manner of phone or Email, take When it is laborious and extremely inefficient.Included that (including order is detailed for business datum in the financial data system of the present invention Count evidence and transaction data accurately) and sorting data.For most of abnormal financial data, financial staff according to financial data at Existing data have been able to the source of decision problem in reason system, and carry out manual sorting reconciliation.Further, financial data Processing system may include the interface of inquiry business system and cashier relevant information, with further from operation system and cashier Information related with abnormal financial data is obtained, financial staff is facilitated to find that business datum and sorting data fail matched original Cause, to realize the processing to abnormal financial data.
Figure 12 is the method schematic diagram of reimbursement according to an embodiment of the invention.Reimbursement application can propose by user, Think to meet reimbursement condition by operation system audit, you can to initiate refund request.Alternatively, financial staff passes through sorting reconciliation It was found that there is the case where needing reimbursement, financial staff can also initiate refund request.According to one embodiment of present invention, reimbursement Method includes the following steps：
In step 1201, refund request is received.Cashier, can be from operation system or wealth as the main body for executing reimbursement Data processing system of being engaged in (financial staff) receives refund request.
Former Transaction Information is inquired according to the former Transaction Identification Number in refund request in step 1202；And compare in refund request The former Transaction Information of Transaction Information and inquiry.Cashier first has to determine in former Transaction Identification Number and refund request in refund request Whether Transaction Information matches.Cashier is according to the Transaction Information stored in the former Transaction Identification Number inquiry cashier in refund request, so And the Transaction Information that inquiry obtains is compared with the Transaction Information in refund request.If result of the comparison is inconsistent, Directly retract refund request.
It is consistent with former Transaction Information in response to former Transaction Identification Number in step 1203, judge former Transaction Identification Number transactions balances whether More than this refund request amount of money.Former Transaction Identification Number may have occurred and that reimbursement.Former Transaction Identification Number correspond to the transaction amount of transaction with The difference of the accumulative refund amount summation occurred is the transactions balances of former Transaction Identification Number.If transactions balances are less than refund request gold Volume illustrates that refund request stores mistake, then directly retracts refund request.According to one embodiment of present invention, it had occurred and that Reimbursement, that is, include the refund request that has actually accomplished of reimbursement, also include during reimbursement carries out but refund request propose when Between earlier than this refund request refund request.
In step 1204, whether the transactions balances in response to former Transaction Identification Number are more than this refund request amount of money, generate transaction It is single.After step 1202 and 1203, refund request has already been through the audit of cashier, and cashier generates reimbursement trading card, Start to execute reimbursement operation.According to one embodiment of present invention, cashier preserves reimbursement information and generates the unique codes of GUID simultaneously Obtain reimbursement channel information.The unique codes of GUID are used for database manipulation, can accelerate the speed of database retrieval.Further, Cashier generates the transaction code of this reimbursement transaction in trading pit, and this refund request information is stored in trading pit.Then, According to reimbursement channel information, the reimbursement trading card for reimbursement is generated.
In step 1205, is matched with former transaction results in response to former Transaction Identification Number, generate transaction request parameter, send out reimbursement friendship Easily request；It is mismatched in response to former Transaction Identification Number and former transaction results, transaction request parameter is generated according to original transaction information, concurrently Go out reimbursement transaction request.Cashier is asked by verifying former Transaction Identification Number and the correspondence of former transaction results to determine correctly to merchandise Parameter is sought, to send out the refund request of reimbursement trading card.If former Transaction Identification Number is mismatched with former transaction results, such as refund request Transaction Identification Number corresponding transaction results in Central Plains are a time out, and the former transaction results of cashier record are successes, then it is possible that being to hand over Easy required parameter is wrong.Therefore, cashier generates transaction request parameter to Third-party payment mechanism or meeting with original transaction information Member's remaining sum system sends out reimbursement transaction request.
According to one embodiment of present invention, if it is the reimbursement of member's remaining sum system, it is also necessary to consider that member's remaining sum is handed over Easily whether it is in the state that remaining sum is freezed.If the member is not in remaining sum frozen state in member's remaining sum system, more than Volume reimbursement special purpose interface sends out refund request.If the member has been in remaining sum frozen state in member's remaining sum system, can Member's remaining sum frozen state is cancelled temporarily to freeze, cancel interface by member's remaining sum, then completes reimbursement.
As previously mentioned, reimbursement transaction is also by one kind as transaction.Cashier utilize at consumer sale similar mode Reason transaction.By taking Fig. 7 embodiment described embodiments as an example, reimbursement transaction also with oneself Transaction Identification Number and in trading pit with Other kinds of transaction is handled in an identical manner.
In step 1206, merchandises successfully in response to reimbursement, receive reimbursement transaction results.Further, cashier can incite somebody to action Transaction results asynchronous feedback is to operation system.
Switch to artificial treatment in response to reimbursement Fail Transaction in step 1207.
It is more than the predetermined time (such as 1 minute) in response to reimbursement transaction in step 1208, cashier generates reimbursement inquiry, And the state of automatic regular polling reimbursement transaction to be confirmed.Since Third-party payment mechanism or member's remaining sum system may also need to examine Core reimbursement is merchandised, therefore Third-party payment mechanism or member's remaining sum system feedback time may be long.Therefore, still by it Excessive system resource can be occupied by being retained in trading pit.Therefore, cashier repeats true separately through a task polling mechanism Reimbursement stateful transaction is recognized, until successfully/failure of merchandising.
Figure 13 is the schematic diagram of voucher generation method according to an embodiment of the invention.As shown, voucher generation side Method includes the following steps：
In step 1301, business datum is received.Business datum includes order detailed data, transaction data and payment result. According to one embodiment of present invention, order detailed data, transaction data and payment result can be integrated into industry by operation system Business Data Concurrent is sent to financial data system.Table 2 shows the example of a business datum.
Table 3 is the example of tent type service data according to an embodiment of the invention：
Title Type Explanation
Prepayment Text+number (summary)
It prepays Text+number
Cash pledge Text+number
Pre-authorization Text+number
Now knot charge Text+number
It pays and turns Text+number
Reimbursement Text+number
It withholds Text+number
Cross charging Text+number
Table 4 is the example of the business datum of member's remaining sum system according to an embodiment of the invention：
In step 1302, business voucher is made according to business datum.According to one embodiment of present invention, business voucher packet It includes but is not limited to advance voucher, income voucher, reimbursement voucher and member and supplement voucher with money.The content of business voucher is according to finance The specific requirement of system is different and will be different.In some embodiments, business voucher includes but not limited to the following contents：It orders Odd numbers, type of service, member ID, service provider, service commodity, toll amount, charge details, type of transaction, Transaction Identification Number, branch Pay the information such as channel, the means of payment.
According to one embodiment of present invention, it makes business voucher and can specifically include following steps：
In step 1320, from business extracting data data.Financial data system is from the business in service database Data of the data needed for the requirement of business voucher extraction.
In step 1321, the data extracted according to translation table.Conversion table includes but not limited to：Operation system framework turns Change table, basic data conversion table and service code conversion table.Financial data system carries out data by conversion table Conversion.The setting of organization, basic data and service code and operation system will be different in financial system.And And operation system is due to needing the frequent degree that adjusts also to be significantly larger than financial system.Therefore, many numbers in business datum According to, such as organization, basic data and service code, financial system be not directly acquainted with its meaning.And each conversion table Effect is that translates into the data that financial system can understand by business datum.
Second of a transaction from Nanjing may be shown by taking service system structure conversion table as an example, in business datum Shop.And Nanjing branch company is only existed in financial system.Therefore, it is necessary to using institutional framework conversion table by Nanjing in business datum the Two shops are converted to Nanjing branch company.The voucher financial data generated by transformed data could understand, and then audit logical It crosses as the voucher of rule is closed.
It may show that the type of a transaction is " stored value card rebating " by taking basic data conversion table as an example, in business datum. And such transaction is classified as " intrabranch is not collected money " in financial system.Therefore, it is necessary to utilize basic data conversion table by " stored value card Rebating " is translated as " intrabranch is not collected money ".
It may show that the service code of a transaction is " DZ03 " by taking service code conversion table as an example, in business datum, Indicate the short rent business for a certain marquee account.However, such business is all classified as short rent business DZ by financial system.Therefore, It needs to be translated as " DZ03 " " DZ " using service code conversion table.
It will be appreciated by those skilled in the art that the purpose that the conversion table of three of the above type is merely to illustrate that.Conversion The type and form of table are not limited to these three types.For example, type of transaction, the means of payment, channel of disbursement etc. can also utilize Similar conversion table is converted.The another advantage for introducing conversion table is, is in mutually independent operation system and finance Construction in a systematic way erects the channel linked up.Regardless of being the update of operation system or financial system, it is only necessary to which changing conversion table can Realize new association.
In step 1322, business voucher is generated, and be pushed to financial system.Financial data system can be utilized directly Business voucher is generated by transformed data.Financial data system can push life to financial system immediately or periodically At business voucher.According to one embodiment of present invention, business voucher can be pushed to different destinations according to rule, It comes and goes for realizing financial records real economy, carries out financial management.
In step 1323, pushes and fail in response to business voucher, show transformed data.If business voucher push is lost It loses, then may be that business voucher fails audit by financial system.By showing transformed data, finance to financial staff Personnel will be seen that the reason of failing to pass through audit and modify to voucher.
In step 1323, business voucher is manually generated.Financial staff can be manually generated business voucher after checking.Further Ground, financial staff can be manually to financial system transmission service voucher, and can obtain the feedback of financial system in real time.As a result, Realize the making and push of business voucher.
Step 1302 is gone to, in step 1303, receives the successful result of sorting reconciliation.For the successful sorting of sorting reconciliation Data, financial data system generate sorting voucher.
In step 1304, according to sorting reconciliation successfully as a result, making sorting voucher.Sorting voucher include bank's sorting with Card and member's remaining sum sorting voucher.According to one embodiment of present invention, the method for making sorting voucher may include walking as follows Suddenly：
In step 1340, from sorting extracting data data.Financial data system is from the successful sorting of sorting reconciliation Extracting data makes the data needed for sorting voucher.
In step 1341, the data extracted according to translation table.Conversion table includes but not limited to：Bank/member's remaining sum System architecture conversion table, basic data conversion table and service code conversion table.The conversion table that sorting data are converted Effect is similar with the conversion table converted to business datum, and which is not described herein again.
In step 1342, sorting voucher is generated, and be pushed to financial system.Financial data system utilizes transformed Data generation sorting voucher is simultaneously instant or is periodically pushed to financial system.According to one embodiment of present invention, sorting voucher can It to be pushed to different destinations according to rule, comes and goes for realizing financial records real economy, carries out financial management.
In step 1343, fail in response to push, transformed data are passed through in displaying.In this step, financial staff can be with It checks and changes the data in sorting voucher.
In step 1344, sorting voucher is manually generated.Financial staff manually generates sorting voucher, and can immediately will be manual The sorting voucher of generation is pushed to financial system.According to the feedback of financial system, financial staff be allowed to change again sorting with It demonstrate,proves and pushes again, until pushing successfully.
Financial data system set order data, transaction data and sorting data, are the centers of tidal data recovering. Independent financial data system, without undertaking the rigors of operation system and cashier to real-time, without holding Financial system stringent secrecy and jurisdictions mandate are carried on a shoulder pole, becomes auxiliary financial system and realizes sorting reconciliation and generate financial affairs receipt function Important tool, reduce the cost of enterprise, improve the running efficiency of enterprise.
Figure 14 is Financial information processing method schematic diagram according to an embodiment of the invention.In existing operation system and In the system of financial system separation, operation system and financial system are operated respectively by respective flow, information update often occur Not in time or the problem of tracking of information difficulty.In the industry wealth integrated system of the present invention, it is proposed that a kind of event driven Financial information processing method, specifically comprises the following steps：
In step 1401, in response to the generation of financial event, distribution first identifier symbol.According to an embodiment of the invention, wealth The generation of business event can become driving industry wealth integral system operation, handle financial relevant information, synchronize each system data Starting point.In some embodiments of the invention, financial event includes but not limited to：It is consumption event, transaction recognition event, pre- Mandate event, member supplement event, member's rebating event and refund event with money.
So-called consumption event includes the service that user is provided using enterprise and pays corresponding expense, has both included that user is direct Payment is carried out using tools such as bank card, Alipay, wechat, ApplyPay or is paid using member's remaining sum/stored value card. So-called transaction recognition event include user's use pay in cash or other reasons in real time will merchandise typing operation system when, by Enterprise staff by merchandise recognition mode input system.So-called pre-authorization event includes that user is real in user using situations such as credits card The guarantee of continuation payment is first obtained before the payment of border in a manner of pre-authorization.So-called member's event of supplementing with money include user to stored value card or It is filled with the amount of money in person member's remaining sum.So-called refund event is directed to user or member's remaining sum/stored value card retracts the amount of money.This field It will be appreciated by the skilled person that above is only some examples of financial event.The present invention industry wealth integral system may include Include more or other financial events.
When financial event occurs, first identifier symbol is distributed into the financial event.First identifier symbol include order number, The information such as business serial number, composite code (type of service+scene code+time of origin).When needing information to recall, root It can determine the details of the corresponding financial event and the finance event of first identifier symbol according to first identifier symbol.
In step 1402, receive include first identifier symbol transaction request, distribution second identifier symbol, generation includes first marking Know the payment request of symbol and second identifier symbol.After financial event occurs, generate transaction request to Third-party payment platform (including Member's remaining sum system) initiate payment.As the requirement of Financial information processing and data trace, with Third-party payment platform (including Member's remaining sum system) between payment be also required to record.Before initiating payment request, distribution second identifier symbol.Second identifier One embodiment of symbol is Transaction Identification Number.It will be appreciated by those skilled in the art that other can distinguish the identifier of payment request Second identifier can be used as to accord with.Payment request includes first identifier symbol and second identifier symbol, you can to include order number and transaction Number.According to one embodiment of present invention, a first identifier symbol can correspond to multiple second identifier symbols.For example, one Order number can correspond to multiple Transaction Identification Numbers.
In step 1403, payment request is initiated, reception includes the payment result of third identifier.Third identifier, such as Payment number or retrieval reference number are the identifiers that Third-party payment platform (member's remaining sum system) generates.Third-party payment platform After (member's remaining sum system) receives payment request, payment number is distributed for distribution request, and return includes the payment result of payment number. According to one embodiment of present invention, in payment result also include second identifier symbol or first identifier symbol and second identifier symbol.
Business datum is generated according to financial event and payment result in step 1404；Wherein, business datum is at least wrapped Include second identifier symbol.Business datum is the data that operation system is pushed to financial data system, includes at financial data Reason system carries out the data needed for sorting reconciliation, data including but not limited to related with financial event and the related number with transaction According to this and payment result.For sorting reconciliation, business datum is accorded with including at least second identifier.An implementation according to the present invention Example, business datum also include first identifier symbol and/or third identifier.
In step 1405, sorting data are received, the sorting data are accorded with including at least second identifier.Sorting data come from Third-party payment platform (including member's remaining sum system).Sorting data are reflected by Third-party payment platform (including more than member Volume system) confirm the payment behavior emitted.In order to carry out reconciliation with business datum, sorting data at least should include second identifier Symbol.According to one embodiment of present invention, sorting data also include first identifier symbol and/or third identifier.
In step 1406, sorting reconciliation is carried out using business datum and sorting data.Using second identifier symbol or other Identifier matches sorting data and corresponding business datum.If the two matches, then it represents that sorting reconciliation success.About clear Divide the concrete mode of reconciliation, the description before may refer to.
Sorting voucher is made, and be sent to financial system in response to sorting reconciliation success in step 1407.By will be clear Divide voucher to be sent to financial system, the processing of the whole process financial information from operation system to financial system is realized, in business Bridge is established between system and financial system.If sorting reconciliation is unsuccessful, financial staff can utilize second identifier to accord with, Or other identifier symbol, financial event and the corresponding transaction of financial event and payment behavior are inquired, thus it is apparent that failing The successful reason of reconciliation, and make corresponding processing.
Above-described embodiment is used for illustrative purposes only, and is not limitation of the present invention, in relation to the general of technical field Logical technical staff can also make a variety of changes and modification without departing from the present invention, therefore, all equivalent Technical solution should also belong to scope disclosed by the invention.

Claims (18)

1. a kind of financial data system, including：
Service database is used for receiving business datum；
Sorting database is used for receiving sorting data；
Sorting reconciliation module is used for carrying out sorting reconciliation according to business datum and sorting data；And
Credentials module is used for making financial affairs receipt according to the result of order detailed data, transaction data and sorting reconciliation.
2. system according to claim 1, wherein business datum include order data, transaction data and payment result.
3. system according to claim 2, wherein order data include order number, member ID, trade date, service provider Product, server's code, charge title and charge are total.
4. system according to claim 2, wherein transaction data include Transaction Identification Number and type of transaction.
5. system according to claim 2, wherein payment data include：Channel of disbursement, payment number, the means of payment, payment The amount of money and currency type.
6. system according to claim 1, wherein sorting data include bank's sorting data and member's remaining sum sorting data.
7. system according to claim 1, wherein the sorting reconciliation module is configured to
Select a Transaction Identification Number in sorting data；
The Transaction Identification Number is searched in business datum；And
In response to finding the Transaction Identification Number in business datum, compare the corresponding transaction amount of the Transaction Identification Number in bank's sorting data Transaction amount corresponding with the Transaction Identification Number in business datum.
8. the system as claimed in claim 1, wherein sorting reconciliation module further comprise：
Display module, displaying match or fail matched business datum and sorting data；And
Relating module is configured to the operation associated services data and sorting data of response user.
9. system as claimed in claim 8, wherein sorting reconciliation module further comprise：First query interface is used to look into Ask the daily record that cashier generates.
10. system as claimed in claim 9, wherein sorting reconciliation module further comprises：Daily record translation module, is used for pair Daily record is translated.
11. system as claimed in claim 8, wherein sorting reconciliation module further comprise：Second query interface is used to look into Ask the order of operation system.
12. system as claimed in claim 8, wherein sorting reconciliation module further comprise：Export interface is used to export not It can matched business datum and sorting data.
13. the system as claimed in claim 1, wherein credentials module further comprise：
Business voucher module is used for making business voucher according to order detailed data and transaction data；
Sorting credentials module is used for making sorting voucher according to the result of sorting reconciliation.
14. system as claimed in claim 13, wherein business voucher module is configured to：
From business extracting data data；
The data extracted according to translation table；And
Generate sorting voucher.
15. system as claimed in claim 14, wherein sorting credentials module is configured to：
Data are extracted from the successful result of sorting reconciliation；
The data extracted according to translation table；And
Generate sorting voucher.
16. method as claimed in claim 15, wherein the conversion table includes：Organizational structure conversion table, basic data conversion Table and service code conversion table.
17. the system as claimed in claim 1 further comprises：Voucher pushing module is used for that voucher is periodically pushed to wealth Business system.
18. a kind of financial data processing method, including：
Receive business datum and sorting data；
Sorting reconciliation is carried out according to business datum and sorting data；And
Financial affairs receipt is made according to business datum and the result of sorting reconciliation.
CN201810296216.5A 2018-04-04 2018-04-04 A kind of financial data system and method under industry wealth integration Pending CN108765108A (en)

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CN107730228A (en) * 2017-08-24 2018-02-23 上海壹账通金融科技有限公司 Account settle accounts calculation method, equipment and storage medium

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