CN109670943B - Settlement system, settlement method, computer equipment and storage medium - Google Patents
Settlement system, settlement method, computer equipment and storage medium Download PDFInfo
- Publication number
- CN109670943B CN109670943B CN201811545047.0A CN201811545047A CN109670943B CN 109670943 B CN109670943 B CN 109670943B CN 201811545047 A CN201811545047 A CN 201811545047A CN 109670943 B CN109670943 B CN 109670943B
- Authority
- CN
- China
- Prior art keywords
- settlement
- module
- fund
- configuration information
- data
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Images
Classifications
-
- 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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- 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
Abstract
The embodiment of the invention discloses a settlement system, a settlement method, computer equipment and a storage medium. The system comprises: the fund party settlement configuration module, the real-time settlement module, the reconciliation module and the fund party rule engine module are in communication connection with each other; the fund party settlement configuration module is used for acquiring settlement configuration information of the fund party and accessing the fund party according to the settlement configuration information of the fund party in a uniform access mode; the real-time settlement module is used for performing settlement according to settlement configuration information of the fund party and settlement rule information provided by the fund party rule engine module and generating matched settlement data; the reconciliation module is used for selecting the matched reconciliation rule according to the settlement configuration information of the fund party to complete the reconciliation operation; and the fund side rule engine module is used for providing each preset settlement rule for the real-time settlement module according to the configuration information of the fund side. The technical scheme of the embodiment of the invention can improve the universality and configurability of the settlement system, thereby improving the fund settlement efficiency.
Description
Technical Field
The embodiment of the invention relates to the technical field of settlement, in particular to a settlement system, a settlement method, computer equipment and a storage medium.
Background
Existing lending platforms typically have multiple funding parties docked. And each loan-helping platform is provided with a settlement system for settlement requirements, the settlement system uniformly splits each settlement expense, and performs account checking and difference processing with a fund party repayment plan, real-time repayment and the like, and then pushes generated settlement data to the clearing system, thereby driving the turnover of fund flows.
The settlement system is an intermediate bridge between the funding information flow and the funding flow, and can convert settlement data into settlement funds. Because each funding party has different settlement rules, current settlement systems generally need to develop settlement rules and reconciliation logic for each funding party in a customized manner.
In the process of implementing the invention, the inventor finds that the prior art has the following defects: the existing settlement system has large repeated work and low abstraction degree, and once a new fund party is accessed, an implementation class needs to be newly added. Since most of the accounting and reconciliation logic can be reused, this results in a large amount of duplicate code. Meanwhile, the settlement rules of all fund parties are realized through a settlement system, so that the business coupling is serious. In addition, settlement and account checking of each fund party need newly added code class processing, unit testing and the like, and therefore access efficiency is low.
Disclosure of Invention
Embodiments of the present invention provide a settlement system, a method, a computer device, and a storage medium, so as to improve the versatility and configurability of the settlement system, thereby improving the efficiency of fund settlement and access.
In a first aspect, an embodiment of the present invention provides a settlement system, which includes: the system comprises a fund party settlement configuration module, a real-time settlement module, an account checking module and a fund party rule engine module; the fund party settlement configuration module, the real-time settlement module, the account checking module and the fund party rule engine module are in communication connection with each other; wherein the content of the first and second substances,
the fund party settlement configuration module is used for acquiring settlement configuration information of a fund party and accessing the fund party according to the settlement configuration information of the fund party in a uniform access mode;
the real-time settlement module is used for settling accounts according to settlement configuration information of the fund party and settlement rule information provided by the fund party rule engine module and generating matched settlement data;
the reconciliation module is used for selecting a matched reconciliation rule according to the settlement configuration information of the fund party to complete reconciliation operation;
and the fund party rule engine module is used for providing each preset settlement rule for the real-time settlement module according to the configuration information of the fund party.
In a second aspect, an embodiment of the present invention further provides a settlement method, which is applied to the settlement system in the first aspect, and includes:
receiving a settlement request input by an external input system; the external input system comprises an asset matching system and/or a transaction system;
and inputting the settlement request to a real-time settlement module so that the real-time settlement module calls a fund side settlement configuration module to obtain settlement configuration information of a fund side, calls a fund side rule engine module to obtain settlement rule information according to the settlement configuration information of the fund side to perform settlement, and generates matched settlement data.
In a third aspect, an embodiment of the present invention further provides a computer device, where the computer device includes:
one or more processors;
storage means for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement the settlement method provided by any of the embodiments of the present invention.
In a fourth aspect, an embodiment of the present invention further provides a computer storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the computer program implements the settlement method provided in any embodiment of the present invention.
The settlement system comprises a settlement configuration module, a real-time settlement module, an account checking module and a capital party rule engine module, and is used for receiving a settlement request input by an external input system and inputting the settlement request to the real-time settlement module, so that the real-time settlement module calls the capital party settlement configuration module to acquire settlement configuration information of a capital party, calls the capital party rule engine module to acquire settlement rule information according to the settlement configuration information of the capital party to perform settlement and generate matched settlement data.
Drawings
Fig. 1 is a schematic diagram of a settlement system according to an embodiment of the present invention;
FIG. 2 is a flow chart of a settlement method according to a second embodiment of the present invention;
fig. 3 is a schematic structural diagram of a computer device according to a third embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention.
It should be further noted that, for the convenience of description, only some but not all of the relevant aspects of the present invention are shown in the drawings. Before discussing exemplary embodiments in more detail, it should be noted that some exemplary embodiments are described as processes or methods depicted as flowcharts. Although a flowchart may describe the operations (or steps) as a sequential process, many of the operations can be performed in parallel, concurrently or simultaneously. In addition, the order of the operations may be re-arranged. The process may be terminated when its operations are completed, but may have additional steps not included in the figure. The processes may correspond to methods, functions, procedures, subroutines, and the like.
Example one
Fig. 1 is a schematic diagram of a settlement system according to an embodiment of the present invention, and as shown in fig. 1, the settlement system 10 includes: a funder settlement configuration module 110, a real-time settlement module 120, a reconciliation module 130, and a funder rules engine module 140; the fund party settlement configuration module 110, the real-time settlement module 120, the reconciliation module 130 and the fund party rule engine module 140 are in communication connection with each other; the fund party settlement configuration module 110 is configured to obtain settlement configuration information of the fund party and access the fund party according to the settlement configuration information of the fund party in a uniform access manner; the real-time settlement module 120 is configured to perform settlement according to the settlement configuration information of the funding party and the settlement rule information provided by the funding party rule engine module, and generate matched settlement data; the reconciliation module 130 is used for selecting the matched reconciliation rule according to the settlement configuration information of the funder to complete the reconciliation operation; the funding party rules engine module 140 is configured to provide each of the preset settlement rules to the real-time settlement module according to the configuration information of the funding party.
As shown in fig. 1, in the embodiment of the present invention, the settlement system 10 may be composed of a funding party settlement configuration module 110, a real-time settlement module 120, a reconciliation module 130, a funding party rule engine module 140, and the like. The modules may maintain communication connection through corresponding software interfaces, for example, information Call between the modules is realized through RPC (Remote Procedure Call Protocol) or local Call.
In the embodiment of the present invention, the settlement system 10 does not need to develop specific real-time flow, settlement and reconciliation rules for each new fund accessing party. Specifically, the settlement configuration module 110 of the funding party in the settlement system 10 may obtain the settlement configuration information of the funding party and access the funding party according to the settlement configuration information of the funding party in a uniform access manner. The unified access mode comprises a unified access format, a unified access mode and a unified access flow. The unified access format, the unified access mode and the unified access flow can be set according to actual requirements, and the embodiment of the invention does not limit the specific contents of the unified access format, the unified access mode and the unified access flow. The real-time settlement module 120 may receive a settlement request input from an external input system, such as a successful loan request input from an asset matching system or a real-time payment request input from a transaction system, and perform settlement according to settlement configuration information of the funding party and settlement rule information provided by the funding party rule engine module 140, and generate matched settlement data. For example, after the settlement configuration information of the corresponding fund party is obtained by calling the fund party settlement configuration module 110 through the RPC and is guided to the settlement rule engine, the settlement function such as payment and verification is performed by calling the fund party rule engine module 140 through the RPC, thereby generating settlement data. Note that, the reconciliation with the funding party is generally classified into a predicted repayment order, a real repayment, a withholding return payment, and the like, but each funding party is different in the type, the execution time point, the rule, and the dependency of the reconciliation. The reconciliation module 130 in the embodiment of the invention can extract the common part of the reconciliation service, such as initializing the reconciliation progress tracking and abnormal statistical information, reading the reconciliation source data and the target data, and the like, thereby realizing the multiplexing of the reconciliation logic and avoiding a large amount of repeated codes. Meanwhile, the reconciliation module 130 can select the matched reconciliation rule according to the settlement configuration information of the funder to complete the reconciliation operation. Each of the funding parties may be configured with different logic when generating funding party payment plans or verifying customer payments. Such as whether the first term is daily when generating a payment plan. And if the interest is uniformly calculated at the first stage or distributed at each stage in the scene of clearing in advance when the user is checked and sold for payment, the user continuously buys for another purchase after 3 years of expiration, and the like. The funder rules engine module 140 may combine different logic rules according to the configuration information of the funder, thereby providing preset settlement rules to the real-time settlement module 120 to implement the settlement function.
In an optional embodiment of the present invention, the settlement configuration information of the funding party may include at least one of settlement rules of the funding party, clearing configuration information of settlement data, reconciliation configuration information with an internal system, reconciliation configuration information with the funding party, overdue rule configuration information, and secondary settlement configuration information.
The working principle of the settlement system in the embodiment of the invention is as follows: the settlement module receives a settlement request of an external input system, calls the settlement configuration module of the fund party to obtain the matched settlement configuration information of the fund party, calls the rule engine module of the fund party to obtain the settlement rule information according to the settlement configuration information of the fund party to carry out settlement, and generates matched settlement data.
Therefore, the settlement system provided by the embodiment of the invention can improve the universality and configurability of the settlement system through means such as service abstraction, service isolation and the like, and support online settlement configuration and real-time effect, so that the performance of fund settlement and the fund access efficiency can be effectively improved.
In an alternative embodiment of the present invention, the reconciliation module 130 may comprise a personalization template; the personalized template is used for expanding personalized configuration. Such as dependency checking against specific rules, matching, reconciliation against specified fields, etc. The reconciliation module 130 can select a specific personalized template to complete the whole reconciliation process by combining the settlement configuration information of each funding party. If each personalized template can not match the requirements of the fund party, the corresponding personalized template can be newly added and the matched configuration is added.
In an alternative embodiment of the present invention, as shown in fig. 1, the settlement system 10 may further include: the monitoring and early warning module 150 is used for monitoring the working data of the settlement system 10 and feeding back the acquired monitoring data to the staff; wherein the monitoring data comprises abnormal data and/or daily statistical data.
In order to improve the stability and robustness of the settlement system 10, in the embodiment of the present invention, a monitoring and early warning module 150 may be further configured for the settlement system 10, and is mainly used for monitoring the working data of the settlement system 10 and feeding back the obtained monitoring data to the staff. Specifically, the monitoring and early warning module 150 may obtain daily statistical data of the settlement system 10, so that a corresponding report is provided to the staff, so that the staff can timely master details of the daily operation status of the settlement system 10. In addition, the monitoring and early warning module 150 may also acquire abnormal data of the settlement system 10 to alert staff of the acquired abnormal condition of the business. Therefore, the monitoring and early warning module 150 can capture and classify the real-time or batch processing flow interface in real time, count and analyze the abnormal conditions at regular time, and send the acquired abnormal data to the staff for warning in the forms of mail, WeChat, telephone and the like, so that the staff can prevent the business itself from being abnormal or the influence of the abnormal service on the business in advance.
In an alternative embodiment of the present invention, as shown in fig. 1, the settlement system 10 may further include: and the anomaly tracking and processing module 160 is configured to process the anomaly data according to an anomaly type, generate early warning information according to the anomaly data, and send the early warning information to the monitoring and early warning module 150 according to a set rule.
The set rule may be an information sending rule set according to actual requirements, such as timing sending, and the like, which is not limited in the embodiment of the present invention.
It is understood that any system may have an exception generated during operation, such as a common database connection failure or illegal parameter exception. The general system only records logs for exception handling, and queries the logs for analysis processing when service discovery is carried out. In the embodiment of the present invention, the anomaly tracking and processing module 160 can intelligently process the anomaly data according to the anomaly type, for example, classify or store the anomaly data according to the anomaly type, and generate the early warning information according to the anomaly data and send the early warning information to the monitoring early warning module 150 at a fixed time, thereby ensuring the self-repairing of the online anomaly to the maximum extent and reducing the manual intervention.
In an alternative embodiment of the present invention, as shown in fig. 1, the settlement system 10 further comprises: and the background management module 170 is used for managing and operating the settlement system 10.
In the embodiment of the present invention, the background management module 170 may provide a visual operation interface for basic authority authentication, service data query, authority management, settlement configuration management, account checking exception management, and the like, so that a worker can conveniently manage and operate the settlement system 10.
In an alternative embodiment of the present invention, as shown in FIG. 1, a settlement system 10 is communicatively coupled to an external system and service module; wherein the external systems include an asset matching system 20, a trading system 30, and a guild system 40; the asset matching system 20 is used for matching the asset orders provided by the users with the target funders; the transaction system 30 is used for making payment for the user; the guild system 40 is used to audit settlement data output by the accounting system 10; the service module comprises a configuration center module 50 and a cache cluster module 60; the configuration center module 50 is used for storing all configuration information required by the settlement system 10; cache cluster module 60 is used to provide caching functionality to settlement system 10.
Accordingly, the settlement system 10 provided by the embodiment of the present invention can be connected with an external system and a service module in communication. The external systems include, but are not limited to, external input systems such as the asset matching system 20 and the trading system 30, and downstream systems such as the club system 40 and the liquidation system 70. Both the asset matching system 20 and the transaction system 30 may input a settlement request to the settlement system 10 according to their own business requirements. In particular, the asset matching system 20 is used to match target funders for asset orders provided by users. For example, according to the information of the user's scholarship, loan term, monthly income or annual income included in the user's installment asset order, the fund parties meeting the requirements of each index are matched for the user, and after the matching is successful, a request for successful payment placement can be sent to the settlement system as a settlement request. The transaction system 30 may also be referred to as a user payment system, and may perform a payment operation according to payment rules of the funding party. Accordingly, when the user makes a real return through the transaction system 30, a settlement request is input to the settlement system 10. The guild system 40, as a final auditing system, may be used to audit the settlement data output by the settlement system 10 and, if it is verified, may notify the liquidation system 70 to deposit funds in the required format. Configuration hub module 50 may store all configuration information required by settlement system 10, as an auxiliary middleware for settlement configuration, and may store temporary configuration information to provide settlement system 10 with configuration capabilities to improve system performance. Cache cluster module 60 may then provide caching functionality to settlement system 10.
The settlement system comprises a settlement configuration module, a real-time settlement module, an account checking module and a capital party rule engine module, and is used for receiving a settlement request input by an external input system and inputting the settlement request to the real-time settlement module, so that the real-time settlement module calls the capital party settlement configuration module to acquire settlement configuration information of a capital party, calls the capital party rule engine module to acquire settlement rule information according to the settlement configuration information of the capital party to perform settlement and generate matched settlement data.
Example two
Fig. 2 is a flowchart of a settlement method according to a second embodiment of the present invention, which is applicable to a case where settlement is performed according to a unified settlement system by using settlement rules of each funder, and the method may be performed by a settlement apparatus, which may be implemented by software and/or hardware, and may be generally integrated into a computer device. Accordingly, as shown in fig. 2, the method includes the following operations:
s210, receiving a settlement request input by an external input system; the external input system includes an asset matchmaking system and/or a trading system.
In the embodiment of the invention, the settlement system can receive the settlement request input by the external input system through the real-time settlement module. The external input system includes, but is not limited to, an asset matching system and/or a transaction system.
S220, inputting the settlement request to a real-time settlement module so that the real-time settlement module calls a fund side settlement configuration module to obtain settlement configuration information of a fund side, calls a fund side rule engine module to obtain settlement rule information according to the settlement configuration information of the fund side to perform settlement, and generates matched settlement data.
Correspondingly, after receiving a settlement request input by an external input system, such as a successful loan request input by an asset matching system or a real-time repayment request input by a transaction system, the real-time settlement module can call settlement rule information provided by the fund side rule engine module to settle according to settlement configuration information of a fund side and generate matched settlement data.
The embodiment of the invention receives the settlement request input by the external input system and inputs the settlement request to the real-time settlement module, so that the real-time settlement module calls the settlement configuration module of the fund party to obtain the settlement configuration information of the fund party, calls the rule engine module of the fund party to obtain the settlement rule information according to the settlement configuration information of the fund party to settle accounts and generate matched settlement data, solves the problems of poor universality, serious service coupling, low access efficiency and the like of the conventional settlement system, and realizes the improvement of the universality and configurability of the settlement system, thereby improving the beneficial effects of the fund settlement and the access efficiency.
EXAMPLE III
Fig. 3 is a schematic structural diagram of a computer device according to a third embodiment of the present invention. FIG. 3 illustrates a block diagram of a computer device 312 suitable for use in implementing embodiments of the present invention. The computer device 312 shown in FIG. 3 is only an example and should not bring any limitations to the functionality or scope of use of embodiments of the present invention.
As shown in FIG. 3, computer device 312 is in the form of a general purpose computing device. The components of computer device 312 may include, but are not limited to: one or more processors 316, a storage device 328, and a bus 318 that couples the various system components including the storage device 328 and the processors 316.
The computer device 312 may also communicate with one or more external devices 314 (e.g., keyboard, pointing device, camera, display 324, etc.), with one or more devices that enable a user to interact with the computer device 312, and/or with any devices (e.g., network card, modem, etc.) that enable the computer device 312 to communicate with one or more other computing devices. Such communication may be through an Input/Output (I/O) interface 322. Also, computer device 312 may communicate with one or more networks (e.g., a Local Area Network (LAN), Wide Area Network (WAN), etc.) and/or a public Network, such as the internet, via Network adapter 320. As shown, network adapter 320 communicates with the other modules of computer device 312 via bus 318. It should be appreciated that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the computer device 312, including but not limited to: microcode, device drivers, Redundant processing units, external disk drive Arrays, disk array (RAID) systems, tape drives, and data backup storage systems, to name a few.
The processor 316 executes various functional applications and data processing, for example, implementing the settlement method provided by the above-described embodiment of the present invention, by executing programs stored in the storage 328.
That is, the processing unit implements, when executing the program: receiving a settlement request input by an external input system; the external input system comprises an asset matching system and/or a transaction system;
and inputting the settlement request to a real-time settlement module so that the real-time settlement module calls a fund side settlement configuration module to obtain settlement configuration information of a fund side, calls a fund side rule engine module to obtain settlement rule information according to the settlement configuration information of the fund side to perform settlement, and generates matched settlement data.
Example four
An embodiment of the present invention further provides a computer storage medium storing a computer program, which when executed by a computer processor is configured to perform the settlement method according to any one of the above embodiments of the present invention: receiving a settlement request input by an external input system; the external input system comprises an asset matching system and/or a transaction system; and inputting the settlement request to a real-time settlement module so that the real-time settlement module calls a fund side settlement configuration module to obtain settlement configuration information of a fund side, calls a fund side rule engine module to obtain settlement rule information according to the settlement configuration information of the fund side to perform settlement, and generates matched settlement data.
Computer storage media for embodiments of the invention may employ any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a Read-Only Memory (ROM), an Erasable Programmable Read-Only Memory (EPROM) or flash Memory), an optical fiber, a portable compact disc Read-Only Memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, Radio Frequency (RF), etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (6)
1. A settlement system, comprising: the system comprises a fund party settlement configuration module, a real-time settlement module, an account checking module and a fund party rule engine module; the fund party settlement configuration module, the real-time settlement module, the account checking module and the fund party rule engine module are in communication connection with each other; wherein the content of the first and second substances,
the fund party settlement configuration module is used for acquiring settlement configuration information of a fund party and accessing the fund party according to the settlement configuration information of the fund party in a uniform access mode; the uniform access mode comprises a uniform access format, a uniform access mode and a uniform access flow;
the real-time settlement module is used for settling accounts according to settlement configuration information of the fund party and settlement rule information provided by the fund party rule engine module and generating matched settlement data;
the reconciliation module is used for selecting a matched reconciliation rule according to the settlement configuration information of the fund party to complete reconciliation operation; the reconciliation module extracts a common part of the reconciliation service so as to multiplex the reconciliation logic and avoid repeated code development, wherein the common part comprises initialized reconciliation progress tracking and abnormal statistical information, and reading reconciliation source data and target data;
the fund party rule engine module is used for providing each preset settlement rule for the real-time settlement module according to the configuration information of the fund party; the fund party rule engine module is specifically used for combining the preset settlement rules according to the configuration information of the fund party;
the system further comprises: a monitoring and early warning module; the monitoring and early warning module is used for monitoring the working data of the settlement system and feeding back the acquired monitoring data to the staff; wherein the monitoring data comprises abnormal data and/or daily statistical data;
the system further comprises: an exception tracking and handling module; the anomaly tracking and processing module is used for processing the anomaly data according to the anomaly type, generating early warning information according to the anomaly data and sending the early warning information to the monitoring early warning module according to a set rule;
the system further comprises: a background management module; the background management module is used for managing and operating the settlement system;
the settlement system is in communication connection with an external system and the service module; wherein the external system comprises an asset matching system, a transaction system and an industrial meeting system; the service module comprises a configuration center module and a cache cluster module; the asset matching system is used for matching an asset order provided by a user with a target fund party and inputting a settlement request to the system after the matching is successful; the transaction system is used for repaying the user and inputting a settlement request to the system according to a repayment requirement; the business conference system is used for auditing settlement data output by the settlement system; the configuration center module is used for storing all configuration information required by the settlement system; the cache cluster module is used for providing a cache function for the settlement system.
2. The system of claim 1, wherein the settlement configuration information of the funding party includes at least one of settlement rules of the funding party, clearing configuration information of settlement data, reconciliation configuration information with an internal system, reconciliation configuration information with the funding party, overdue rule configuration information, and secondary settlement configuration information.
3. The system of claim 1, wherein the reconciliation module comprises a personalization template;
the personalized template is used for expanding personalized configuration.
4. A settlement method applied to the settlement system according to any one of claims 1 to 3, comprising:
receiving a settlement request input by an external input system; the external input system comprises an asset matching system and/or a transaction system;
inputting the settlement request to a real-time settlement module so that the real-time settlement module calls a fund side settlement configuration module to obtain settlement configuration information of a fund side, calls a fund side rule engine module to obtain settlement rule information according to the settlement configuration information of the fund side to perform settlement, and generates matched settlement data;
the account checking module selects a matched account checking rule according to the settlement configuration information of the fund party to complete account checking operation;
monitoring the working data of the settlement system through a monitoring and early warning module, and feeding back the acquired monitoring data to workers; wherein the monitoring data comprises abnormal data and/or daily statistical data;
processing the abnormal data according to the abnormal type through an abnormal tracking and processing module, generating early warning information according to the abnormal data, and sending the early warning information to the monitoring early warning module according to a set rule;
managing and operating the settlement system through a background management module;
and outputting the settlement data to a conference system to verify the settlement data.
5. A computer device, the device comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the settlement method of claim 4.
6. A computer storage medium on which a computer program is stored, which program, when executed by a processor, carries out the settlement method as claimed in claim 4.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811545047.0A CN109670943B (en) | 2018-12-17 | 2018-12-17 | Settlement system, settlement method, computer equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811545047.0A CN109670943B (en) | 2018-12-17 | 2018-12-17 | Settlement system, settlement method, computer equipment and storage medium |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN109670943A CN109670943A (en) | 2019-04-23 |
| CN109670943B true CN109670943B (en) | 2021-04-27 |
Family
ID=66143935
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811545047.0A Active CN109670943B (en) | 2018-12-17 | 2018-12-17 | Settlement system, settlement method, computer equipment and storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109670943B (en) |
Families Citing this family (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111199464B (en) * | 2019-12-02 | 2023-06-30 | 泰康保险集团股份有限公司 | Processing system of collection data, processing method, device and medium of collection data |
| CN111445330A (en) * | 2020-03-24 | 2020-07-24 | 山东浪潮通软信息科技有限公司 | Account checking method and device |
| CN111444213B (en) * | 2020-03-26 | 2023-09-29 | 上海数禾信息科技有限公司 | Ledger clearing system and method based on credit business |
| CN111639028B (en) * | 2020-05-26 | 2023-10-10 | 深圳乐信软件技术有限公司 | Method, device, engine and storage medium for testing account checking rule script |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017166174A1 (en) * | 2016-03-31 | 2017-10-05 | 李昕光 | Central clearing and settlement method |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8548428B2 (en) * | 2009-01-28 | 2013-10-01 | Headwater Partners I Llc | Device group partitions and settlement platform |
| CN101702651B (en) * | 2009-11-04 | 2012-05-23 | 中国科学院声学研究所 | Process system for supporting multi party service settlement based on rule and method thereof |
| CN107103470B (en) * | 2017-03-03 | 2021-08-13 | 九次方大数据信息集团有限公司 | Method and system for improving information security in spot transaction process |
| CN108090755A (en) * | 2017-12-18 | 2018-05-29 | 深圳市快付通金融网络科技服务有限公司 | Billing model defines method, data system for settling account and computer readable storage medium |
-
2018
- 2018-12-17 CN CN201811545047.0A patent/CN109670943B/en active Active
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017166174A1 (en) * | 2016-03-31 | 2017-10-05 | 李昕光 | Central clearing and settlement method |
Non-Patent Citations (2)
| Title |
|---|
| Cooperative interconnection settlement among ISPs through NAP;Zhou Weihua,Pu Yaqi，Dai Hongyan,Jin Qingwei;《European Journal of Operational Research》;20170201;第256卷(第3期);991-1003 * |
| 账务软件中基于规则引擎的银企对账系统设计与实现;何凡;《中国优秀硕士学位论文全文数据库（电子期刊）信息科技辑》;20161015(第10期);全文 * |
Also Published As
| Publication number | Publication date |
|---|---|
| CN109670943A (en) | 2019-04-23 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN109670943B (en) | Settlement system, settlement method, computer equipment and storage medium | |
| CN110263024B (en) | Data processing method, terminal device and computer storage medium | |
| US7523068B2 (en) | Centralized payment processing system | |
| CN111144697A (en) | Data processing method, data processing device, storage medium and electronic equipment | |
| US20160224674A1 (en) | Dynamic entity rendering framework | |
| CN110730097B (en) | Internet technology architecture construction method and device, electronic equipment and medium | |
| CN112801777A (en) | Bank letter automatic processing method, system, electronic equipment and storage medium | |
| CN110728445B (en) | Information management method, information management apparatus, electronic device, and medium | |
| CN110675249A (en) | Matching method, device, server and storage medium for network lending | |
| CN111859049B (en) | Method for realizing differential display of enterprise salary information and message generation method | |
| US20150039381A1 (en) | Customer request workflow management system | |
| CN107172311B (en) | Service evaluation method and terminal equipment | |
| US20160224993A1 (en) | System for determining relationships between entities | |
| CN111405060B (en) | Service influence range determining method, device, tool and electronic equipment | |
| CN114881739A (en) | Order event processing method and device, electronic equipment and storage medium | |
| CN112258306B (en) | Account information checking method, device, electronic equipment and storage medium | |
| CN110415112B (en) | Post-credit business processing method, device, equipment and storage medium | |
| CN111625455A (en) | Program testing method, device, equipment and medium | |
| CN110888917A (en) | Batch running task execution method, device, server and storage medium | |
| CN111223000A (en) | Bill processing method and device, computer equipment and storage medium | |
| US11756118B2 (en) | Systems and methods for trades priced relative to a reference benchmark value associated with an underlying index future | |
| JP2014215824A (en) | Fluidization management system for electronically recorded credits | |
| CN109829807B (en) | Settlement system data processing method, device, computer equipment and storage medium | |
| US11308050B2 (en) | Conversion mechanism for complex cohabitation databases | |
| CN110969518B (en) | Clearing account configuration method and device, server and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant | ||
| PE01 | Entry into force of the registration of the contract for pledge of patent right | ||
| PE01 | Entry into force of the registration of the contract for pledge of patent right |
Denomination of invention: A settlement system, method, computer equipment, and storage medium Effective date of registration: 20230925 Granted publication date: 20210427 Pledgee: Luohu sub branch of Shenzhen Rural Commercial Bank Co.,Ltd. Pledgor: SHENZHEN LEXIN SOFTWARE TECHNOLOGY Co.,Ltd. Registration number: Y2023980058548 |