CN111967963B - Pre-authorized accounting processing method and device - Google Patents
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Abstract
The invention provides a pre-authorized accounting processing method and device, and relates to the technical field of data processing, wherein the method comprises the following steps: acquiring pre-authorized transaction data and banking third party transaction data; determining the fixed deposit payment transaction data, the refund transaction data and the fixed deposit confirmation transaction data according to the pre-authorization transaction data and the banking third party transaction data; generating pre-authorization processing data according to the fixed deposit payment transaction data and the unsubscribed transaction data, and obtaining an account-entering result according to the fixed deposit confirmation transaction data; and generating a pre-authorized accounting processing result according to the pre-authorized processing data and the accounting result. The invention can lighten the workload of service personnel and improve the pre-authorized accounting processing efficiency and the accuracy of accounting processing.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a pre-authorization accounting processing method and device.
Background
With the wide use of third party payment methods, for the third party pre-authorized receipt transaction of a bank, unfinished transaction funds are consumed, and account-hanging and account-selling processing among general branches are required to be carried out every day; the transaction funds completed by the consumption are partially transferred from the headquarters to accounts opened by the merchants through the branch institutions of the merchants, and meanwhile, partial funds are required to be returned to the accounts of the cardholders. The existing pre-authorized accounting scheme has the defects that the accounting process flow is too complex, the accounting process efficiency is low, and the labor cost is high; in addition, because the processing process is complex and depends on manual work, the preauthorization accounting processing result obtained by the existing scheme is easy to be wrong, and the accuracy is low.
Disclosure of Invention
The invention provides a pre-authorization accounting processing method and device, which can improve the efficiency and accuracy of pre-authorization accounting processing.
In a first aspect, an embodiment of the present invention provides a method for pre-authorized accounting, where the method includes: acquiring pre-authorized transaction data and banking third party transaction data; determining fixed deposit payment transaction data, refund transaction data and fixed deposit confirmation transaction data according to the pre-authorization transaction data and the parallel third party transaction data; generating pre-authorization processing data according to the fixed deposit payment transaction data and the unsubscribed transaction data, and obtaining an account entry result according to the fixed deposit confirmation transaction data; generating a pre-authorized accounting processing result according to the pre-authorized processing data and the accounting result
In a second aspect, an embodiment of the present invention further provides a pre-authorized accounting device, where the device includes: the acquisition module is used for acquiring pre-authorized transaction data and the Unionpay third party transaction data; the determining module is used for determining the principal payment transaction data, the refund transaction data and the principal confirmation transaction data according to the pre-authorization transaction data and the banking third party transaction data; the processing module is used for generating pre-authorization processing data according to the fixed deposit payment transaction data and the unsubscribed transaction data and obtaining an account entry result according to the fixed deposit confirmation transaction data; and the generation module is used for generating a pre-authorized account processing result according to the pre-authorized processing data and the account entering result.
In a third aspect, an embodiment of the present invention further provides a computer device, including a memory, a processor, and a computer program stored in the memory and capable of running on the processor, where the processor implements the above-mentioned pre-authorized accounting method when executing the computer program.
In a fourth aspect, an embodiment of the present invention further provides a computer readable storage medium storing a computer program for executing the above-described pre-authorized accounting method.
The embodiment of the invention has the following beneficial effects: the embodiment of the invention provides a pre-authorization accounting processing scheme, which is characterized in that after pre-authorization transaction data and banking third party transaction data are obtained, the pre-authorization transaction data are matched, so that fixed deposit payment transaction data and unsubscribed transaction data are obtained by classifying the pre-authorization transaction data, fixed deposit confirmation transaction data are determined according to the banking third party transaction data, pre-authorization processing data are generated according to the fixed deposit payment transaction data and unsubscribed transaction data, accounting results are obtained according to the fixed deposit confirmation transaction data, and finally pre-authorization accounting processing is automatically performed according to the pre-authorization processing data and the accounting results, so that pre-authorization accounting processing results are obtained. The embodiment of the invention can lighten the workload of service personnel and improve the pre-authorized accounting processing efficiency and the accuracy of accounting processing.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
In order to make the above objects, features and advantages of the present invention more comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are needed in the description of the embodiments or the prior art will be briefly described, and it is obvious that the drawings in the description below are some embodiments of the present invention, and other drawings can be obtained according to the drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flowchart of a pre-authorization accounting method provided by an embodiment of the present invention;
fig. 2 is a schematic diagram of an implementation flow of a pre-authorized accounting method according to an embodiment of the present invention;
fig. 3 is a block diagram of a pre-authorized accounting device according to an embodiment of the present invention;
FIG. 4 is a block diagram illustrating another pre-authorized accounting device according to an embodiment of the present invention;
fig. 5 is a block diagram of a computer device according to an embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is apparent that the described embodiments are some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
At present, the existing pre-authorized accounting scheme comprises the following steps:
1. and generating an accounting file according to the transaction details, and writing accounting data into an accounting database.
2. And extracting data in the accounting database to generate an accounting document and sending the business system to perform merchant accounting.
3. And updating the accounting database according to the accounting results and issuing a general account file and an accounting result report.
4. Screening according to the pre-authorized transactions on the same day, and respectively issuing the amount of the general account for the posting and the sales.
5. And (3) determining failure transaction processing route: cardholder feedback-merchant-branch-development-general business-money transfer branch-merchant-cardholder.
The existing scheme respectively screens transactions needing to be checked out and sales accounts, and respectively checks out and sales accounts for the products after screening, and finally, total products for the products are obtained, so that the processing flow is too complex. But also directly accounts for risky merchants without control. Meanwhile, the transaction processing flow of the unsuccessfully-fixed withdrawal is too complex, the cardholder is required to find out that funds are not withdrawn by himself, and the whole flow relates to the business of the cardholder, the merchant, the branch, the technical colleagues and the headquarters, so that the timeliness is poor.
Based on the above, the pre-authorization accounting processing method and device provided by the embodiment of the invention solve the receipt accounting problems of the bank in the process of developing the pre-authorization business, the receipt accounting problems of how to freeze funds to carry out account hanging and account selling processing, how to carry out account entering processing on settling funds, and the receipt accounting problems of failure transaction funds transfer of the back-to-back transaction. According to the scheme, the account amount of the previous day can be totally sold, the account is rolled with newly added preauthorization transaction on the same day, and the account is re-checked on the same day. In addition, the funds of the unsuccessfully-fixed transaction are directly transferred to the appointed accounting subjects of the branch, and the branch can directly inform the merchant to transfer the funds and refund the cardholder, so that the timeliness is greatly improved.
For the sake of understanding the present embodiment, a detailed description will be given of a pre-authorization accounting method disclosed in the embodiment of the present invention.
First, the technical terms involved are explained.
Pre-authorization: the prepayment is carried out, the merchant estimates the consumption amount of the cardholder, then the corresponding amount is frozen in the account of the cardholder, and after the consumption is completed, the merchant carries out formal settlement.
A subscription payment transaction: the merchant estimates the cardholder's amount of consumption and then freezes the transaction for the corresponding amount in the cardholder's account.
The funding confirms the transaction: after the consumption is completed, the merchant performs the transaction of formal settlement.
And (3) performing a back-order transaction: after the consumption is completed, funds except the formal settlement amount are deducted from the prepayment to refund the transaction of the cardholder.
Accounting: in banking systems, funds are transferred between the total branches, between the branches and the merchant, and cardholder funds are transferred to the merchant's account.
General ledger: the accounting file when the funds transfer between the total branches is carried out comprises accounting subjects, corresponding branch organization numbers and amounts.
And (3) account hanging: when funds cannot be transferred to the merchant to open an account for some reason, the funds are temporarily stored in a separate accounting subject.
Rolling stock: for the same merchant, there may be multiple pieces of accounting data, and all the accounts of the merchant are aggregated to obtain the total account.
The embodiment of the invention provides a pre-authorization accounting processing method, which is shown in a flow chart of the pre-authorization accounting processing method in fig. 1, and comprises the following steps:
step S102, pre-authorized transaction data and Unionpay third party transaction data are obtained.
In the embodiment of the invention, the pre-authorized transaction data can be pre-authorized online transaction flow data, the banking third party transaction data can be banking third party transaction flow data, and the pre-authorized transaction data and the banking third party transaction data both comprise merchant order numbers and transaction types, wherein the merchant order numbers can be used for uniquely identifying one transaction, and the transaction types can be deposit payment transactions, refund transactions or deposit confirmation transactions.
Step S104, determining the fixed deposit payment transaction data, the refund transaction data and the fixed deposit confirmation transaction data according to the pre-authorization transaction data and the Union third party transaction data.
In the embodiment of the invention, the pre-authorized transaction data and the banking third party transaction data are matched, for example, for the transaction number of the same merchant order number, the transaction type in the banking third party transaction data comprises the deposit confirmation transaction, and the transaction type in the pre-authorized transaction data comprises the pre-authorized transaction data. And classifying the pre-authorized transaction data through matching to obtain the fixed deposit payment transaction data, the refund transaction data and the fixed deposit confirmation transaction data.
It should be noted that, in the embodiment of the present invention, the subscription confirmation transaction data is non-revoked subscription confirmation transaction data.
In addition, the principal payment transaction data and the refund transaction data are stored in a pre-authorization flow database, and the non-revoked principal confirmation transaction data are stored in a third-party transaction flow database for classification and database separation processing.
Step S106, pre-authorization processing data is generated according to the settlement payment transaction data and the unsubscribed transaction data, and an accounting result is obtained according to the settlement confirmation transaction data.
In the embodiment of the invention, the principal payment transaction data and the unsubscribed transaction data are processed in the pre-authorization flow database, the principal confirmation transaction data are processed in the third-party transaction flow database, and the data are subjected to database separation processing, so that the accuracy and the efficiency of accounting processing can be improved.
Step S108, generating a pre-authorization accounting processing result according to the pre-authorization processing data and the accounting result.
In the embodiment of the invention, the pre-authorized accounting processing result is automatically generated according to the pre-authorized processing data obtained based on the fixed deposit payment transaction data and the unsubscribed transaction data and the accounting result obtained based on the fixed deposit confirmation transaction data, manual intervention is not needed, the transfer processing is automatically carried out, the workload of business personnel is reduced, and the processing efficiency and the accounting processing accuracy are improved.
The embodiment of the invention provides a pre-authorization accounting processing scheme, which classifies pre-authorization transaction data to obtain fixed deposit payment transaction data and unsubscribed transaction data after the pre-authorization transaction data and the banking third party transaction data are obtained, determines fixed deposit confirmation transaction data according to the banking third party transaction data, generates pre-authorization processing data according to the fixed deposit payment transaction data and the unsubscribed transaction data, obtains an accounting result according to the fixed deposit confirmation transaction data, and finally automatically performs pre-authorization accounting processing according to the pre-authorization processing data and the accounting result to obtain a pre-authorization accounting processing result. The embodiment of the invention can lighten the workload of service personnel and improve the pre-authorized accounting processing efficiency and the accuracy of accounting processing.
Since the unsubscribed transaction has unsuccessfully status, in order to ensure the automatic proceeding of the pre-authorized accounting processing, the accuracy is improved, the unsubscribed transaction data comprises unsubscribed failed transaction data and unsubscribed successful transaction data, generating pre-authorization processing data from the subscription payment transaction data and the unsubscribe transaction data may be performed as follows:
generating first branch accounting subject data according to the unsuccessfully-contracted transaction data so that branches perform accounting processing according to the first branch accounting subject data; determining data to be rolled according to unsubscribed successful transaction data and fixed payment transaction data; and taking the first branch accounting subject data and the data to be rolled as pre-authorization processing data.
In the embodiment of the invention, for the unsuccessfully-resigned transaction, corresponding funds are required to be sold to a branch office to specify accounting subjects and corresponding unsuccessfully-resigned detail reports are provided, and transferring funds to the merchant by the branch, and returning the account of the cardholder by the merchant, so that the first branch accounting subject data is generated according to the unsuccessfully-contracted transaction data, thereby facilitating accounting processing by the branch. And determining data to be rolled according to unsuccessfully contracted transaction data and fixed payment transaction data in newly-increased preauthorized transaction data on the same day, wherein the data to be rolled is used for carrying out rolling operation and ensuring the clarity of accounts.
Considering that for non-revoked subscription confirmation transactions and common three-party transactions, the transaction needs to be transferred from the headquarters to accounts opened by the merchants through the branch authorities to which each merchant belongs, the obtaining of the posting results from the subscription confirmation transaction data may be performed as follows:
generating an account entry file according to the settlement confirmation transaction data; sending the account entry file to a target service system so that the target service system performs account entry processing according to the account entry file to obtain an account entry result; and receiving an account entering result sent by the target business system.
In the embodiment of the invention, the settlement confirmation transaction data can be subjected to the settlement processing according to the settlement flow of the common transaction. The target service system may be used for accounting processing, and the target service system may be selected according to actual needs, which is not particularly limited in the embodiment of the present invention. The embodiment of the invention can be applied to the preauthorization accounting processing system of the headquarter, and the preauthorization accounting processing system of the headquarter is in communication connection with the target business system.
In order to process different types of transaction data respectively, the posting results comprise posting success and posting failure; generating a pre-authorization accounting processing result according to the pre-authorization processing data and the accounting result, wherein the pre-authorization accounting processing result can be executed according to the following steps:
if the account checking result is that the account checking fails, generating second branch accounting subject data according to the account checking result, so that the branches perform accounting processing according to the second branch accounting subject data; if the account checking result is successful, generating third branch accounting subject data according to the target transaction data in the account checking result, so that the branch performs accounting processing according to the third branch accounting subject data, and generating transaction data to be rolled and confirmed according to the target settlement confirmation transaction data in the account checking result; performing rolling process according to the account-hanging data, the data to be rolled and the transaction data to be rolled and the fixed deposit confirmation transaction data to obtain a rolling result; generating fourth branch accounting subject data according to the rolling result so that the branches can perform accounting processing according to the second branch accounting subject data; and taking the first branch accounting subject data, the second branch accounting subject data, the third branch accounting subject data and the fourth branch accounting subject data as pre-authorized accounting processing results.
In the embodiment of the invention, the transaction is confirmed for the settlement of the posting failure, the general ledger is posted to the branch accounting subjects, and the branch business is convenient for manual reconciliation. The general ledger is presented for the common three-party transaction with successful account entry; for successful settlement confirmation transaction, the settlement is required to be carried out again with the settlement payment transaction of the same day, the settlement success transaction and the sales amount of the branch office, and the funds of the rolled difference are checked out to the designated accounting subjects of the branch office.
And notifying the branch pre-authorized accounting processing result through the first branch accounting subject data, the second branch accounting subject data, the third branch accounting subject data and the fourth branch accounting subject data so as to perform data synchronization and related accounting processing on the branches.
When the rolling process is performed, the funds of the appointed account-taking subject are all subjected to sales process by the branch preauthorization of the previous day, the corresponding rolling is performed with the newly added preauthorization transaction of the current day, and the rolling amount is re-checked to the appointed account subject in the final day.
In order to improve the safety of the accounting processing, the scheme can further execute the following steps:
determining identity information of a target account according to the pre-authorized transaction data; if the identity information does not meet the preset security conditions, limiting the pre-authorized accounting processing operation of the target account according to the preset conditions.
In the embodiment of the invention, the merchant order number, the account and the identity information of the merchant can be determined according to the pre-authorized transaction data, the identity information of the merchant is compared with the preset safety condition to determine the safety of the identity of the merchant, and if the identity information of the merchant does not meet the preset safety condition, the pre-authorized accounting operation of the account corresponding to the merchant is limited according to the preset condition, so that the safety of accounting is ensured.
Referring to fig. 2, a schematic flow chart of an implementation of the pre-authorized accounting method is shown, and the method is described in a specific embodiment.
1. Developing and matching according to the details of the pre-authorized online transaction and the details of the parallel transaction, splitting the common three-party transaction and the pre-authorized transaction, and simultaneously splitting the pre-authorized settlement confirmation transaction and other pre-authorized transactions which need to be checked by a merchant for the pre-authorized transaction again, and writing the pre-authorized settlement confirmation transaction and other pre-authorized transactions into processing programs of different databases respectively.
2. Developing a normal merchant account entry processing program.
3. Updating the state of the accounting data, generating an accounting document according to the accounting data, and sending to a business system for accounting.
4. And generating a corresponding general ledger file according to the account entering data to transfer the general branch funds.
5. And (3) performing sales processing on all funds of the appointed account-taking subject by branch preauthorization in the previous day, performing corresponding rolling with newly added preauthorization transaction in the current day, and re-accounting the rolling amount to the appointed account subject in the final day.
6. And developing a failure to cancel the transaction accounting process. And directly posting the funds of the unsuccessfully-approved transaction to the appointed accounting subject of another branch, manually processing and drawing the funds to the merchant by the branch, and finally returning the cardholder by the merchant.
Step 1 is to split the three-party transaction and prepare for the subsequent merchant to check in and check out and sell; and 5, performing sales processing on all funds of the appointed accounting subjects by branch preauthorization in the previous day, performing corresponding rolling stock with newly added preauthorization transaction in the current day, and re-accounting the rolling stock to the appointed accounting subjects in the final day to ensure that the funds of the branch accounting subjects are correct.
Dividing the third party pre-authorized transaction is achieved through the steps to obtain a principal payment transaction, a principal confirmation withdrawal transaction and a withdrawal transaction, wherein funds of the principal confirmation transaction which are not withdrawn need to be transferred from a headquarter to an account opened by each merchant through a branch institution to which each merchant belongs. And on the same day, the current-day principal payment transaction, the non-withdrawn principal confirmation transaction and the withdrawal transaction of the branch institution are required to be rolled and checked out to a certain accounting subject of the branch institution, the funds of the subject of the branch institution are totally sold on the next day, and the account is checked out with the current-day principal payment transaction, the non-withdrawn principal confirmation transaction and the withdrawal transaction of the branch institution of the merchant. For the funds of the unsuccessfully-fixed transaction, the funds are directly transferred to another business by a branch line account-hanging subject to manually process accounting subjects, and the branch line transfers the funds of the unsuccessfully-fixed transaction to a merchant and is returned to a cardholder by the merchant.
It should be noted that the scheme may also be executed according to the following steps, where the matching is performed by receiving an online transaction statement file and a parallel transaction statement file. And writing the split different types of transactions into different databases respectively. And the transaction generation accounting document which needs to be checked by the merchant is sent to the core for accounting processing. And (5) totally selling account amounts of the designated accounting subjects of the branch institutions in one day. And performing rolling of the settlement payment transaction on the same day, the non-revoked settlement confirmation transaction, the settlement successful transaction and the settlement amount on the previous day to obtain the settlement amount on the same day for re-settlement. The transaction amount is still directly checked into the merchant when the card is unsuccessfully withdrawn on the same day, and the cardholder is returned by the merchant. The unsuccessfully-resigned transaction funds are not processed through the total branches and are directly returned to the cardholders by the merchants, and the unsuccessfully-resigned transaction funds are not processed through the total branches, only the merchant and the cardholders are involved, and the final operation record of the bank can possibly cause disputes.
The embodiment of the invention provides a pre-authorized account processing method and device, which are used for classifying and separating account entering data and realizing flexible account hanging, account sales and failure transaction processing. By classifying and sorting the third party pre-authorized transactions, the processes of checking out and selling accounts are automatically carried out every day without manual intervention. For the failure transaction of the settlement, the intervention of a general business personnel is not needed, the transaction is directly transferred to the branch, and the processing flow is simplified. The complex operations such as manual account adjustment and the like are not required to be performed by contrasting the report form, the workload of business personnel is reduced, and the processing efficiency and the accounting accuracy are improved. According to the scheme, flexible accounting processing is carried out on merchants through parameterized configuration, and the security of pre-authorized accounting processing is ensured.
The embodiment of the invention also provides a pre-authorized accounting processing device, as described in the following embodiment. Because the principle of the device for solving the problem is similar to that of the pre-authorized accounting method, the implementation of the device can refer to the implementation of the pre-authorized accounting method, and the repetition is omitted. Referring to fig. 3, there is shown a block diagram of a pre-authorized accounting device, the device comprising:
an acquisition module 71 for acquiring pre-authorized transaction data and banking third party transaction data; a determining module 72 for determining the principal payment transaction data, the refund transaction data and the principal confirmation transaction data based on the pre-authorization transaction data and the parallel third party transaction data; a processing module 73 for generating pre-authorization processing data according to the settlement payment transaction data and the unsubscribed transaction data, and obtaining an accounting result according to the settlement confirmation transaction data; the generating module 74 is configured to generate a pre-authorized accounting result according to the pre-authorized processing data and the accounting result.
In one embodiment, the unsubscribed transaction data includes unsubscribed failed transaction data and unsubscribed successful transaction data; the processing module is specifically used for: generating pre-authorization processing data from the subscription payment transaction data and the unsubscribe transaction data, comprising: generating first branch accounting subject data according to the unsuccessfully-contracted transaction data so that branches perform accounting processing according to the first branch accounting subject data; determining data to be rolled according to unsubscribed successful transaction data and fixed payment transaction data; and taking the first branch accounting subject data and the data to be rolled as pre-authorization processing data.
In one embodiment, the processing module is specifically configured to: generating an account entry file according to the settlement confirmation transaction data; sending the account entry file to a target service system so that the target service system performs account entry processing according to the account entry file to obtain an account entry result; and receiving an account entering result sent by the target business system.
In one embodiment, the posting result includes posting success and posting failure, and the generating module is specifically configured to: if the account checking result is that the account checking fails, generating second branch accounting subject data according to the account checking result, so that the branches perform accounting processing according to the second branch accounting subject data; if the account checking result is successful, generating third branch accounting subject data according to the target transaction data in the account checking result, so that the branch performs accounting processing according to the third branch accounting subject data, and generating transaction data to be rolled and confirmed according to the target settlement confirmation transaction data in the account checking result; performing rolling process according to the account-hanging data, the data to be rolled and the transaction data to be rolled and the fixed deposit confirmation transaction data to obtain a rolling result; generating fourth branch accounting subject data according to the rolling result so that the branches can perform accounting processing according to the second branch accounting subject data; and taking the first branch accounting subject data, the second branch accounting subject data, the third branch accounting subject data and the fourth branch accounting subject data as pre-authorized accounting processing results.
In one embodiment, referring to another block diagram of a pre-authorized accounting device shown in fig. 4, the device further includes a risk control module 75 for: determining identity information of a target account according to the pre-authorized transaction data; if the identity information does not meet the preset security conditions, limiting the pre-authorized accounting processing operation of the target account according to the preset conditions.
The embodiment of the present invention further provides a computer device, referring to the schematic block diagram of the structure of the computer device shown in fig. 5, where the computer device includes a memory 81, a processor 82, and a computer program stored on the memory and capable of running on the processor, and when the processor executes the computer program, the processor implements the steps of any of the pre-authorized accounting methods described above.
It will be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working process of the computer device described above may refer to the corresponding process in the foregoing method embodiment, which is not repeated herein.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing any one of the pre-authorization accounting processing methods.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
Finally, it should be noted that: the above examples are only specific embodiments of the present invention, and are not intended to limit the scope of the present invention, but it should be understood by those skilled in the art that the present invention is not limited thereto, and that the present invention is described in detail with reference to the foregoing examples: any person skilled in the art may modify or easily conceive of the technical solution described in the foregoing embodiments, or perform equivalent substitution of some of the technical features, while remaining within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention, and are intended to be included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (7)
1. A method of pre-authorization accounting, comprising:
acquiring pre-authorized transaction data and banking third party transaction data;
determining fixed deposit payment transaction data, refund transaction data and fixed deposit confirmation transaction data according to the pre-authorization transaction data and the parallel third party transaction data;
generating pre-authorization processing data according to the fixed deposit payment transaction data and the unsubscribed transaction data, and obtaining an account entry result according to the fixed deposit confirmation transaction data;
generating a pre-authorization accounting processing result according to the pre-authorization processing data and the accounting result;
the unsubscribed transaction data comprise unsubscribed failure transaction data and unsubscribed successful transaction data;
generating pre-authorization processing data according to the fixed gold payment transaction data and the unsubscribed transaction data, including:
generating first branch accounting subject data according to the unsubscribed failure transaction data so that branches can conduct accounting processing according to the first branch accounting subject data;
determining data to be rolled according to the unsubscribed successful transaction data and the fixed payment transaction data;
taking the first branch accounting subject data and the data to be rolled as pre-authorization processing data;
the account checking result comprises account checking success and account checking failure;
generating a pre-authorization accounting processing result according to the pre-authorization processing data and the accounting result, wherein the pre-authorization accounting processing result comprises:
if the account checking result is that the account checking fails, generating second branch accounting subject data according to the account checking result, so that the branch performs accounting processing according to the second branch accounting subject data;
if the account checking result is successful, generating third branch accounting subject data according to target transaction data in the account checking result, so that branches perform accounting processing according to the third branch accounting subject data, and generating to-be-rolled differential settlement confirmation transaction data according to target settlement confirmation transaction data in the account checking result;
performing rolling process according to the account-hanging data, the data to be rolled and the transaction data to be rolled and the fixed deposit confirmation transaction data to be rolled to obtain a rolling result;
generating fourth branch accounting subject data according to the rolling result, so that branches can carry out accounting processing according to the second branch accounting subject data;
and taking the first branch accounting subject data, the second branch accounting subject data, the third branch accounting subject data and the fourth branch accounting subject data as pre-authorized accounting processing results.
2. The method of claim 1, wherein obtaining an entry result from the settlement validation transaction data comprises:
generating an account entry file according to the settlement confirmation transaction data;
sending the account entry file to a target service system so that the target service system performs account entry processing according to the account entry file to obtain an account entry result;
and receiving an account entering result sent by the target service system.
3. The method according to any one of claims 1-2, further comprising:
determining the identity information of a target account according to the pre-authorized transaction data;
and if the identity information does not meet the preset safety condition, limiting the pre-authorized accounting processing operation of the target account according to the preset condition.
4. A pre-authorized accounting device, comprising:
the acquisition module is used for acquiring pre-authorized transaction data and the Unionpay third party transaction data;
the determining module is used for determining the principal payment transaction data, the refund transaction data and the principal confirmation transaction data according to the pre-authorization transaction data and the banking third party transaction data;
the processing module is used for generating pre-authorization processing data according to the fixed deposit payment transaction data and the unsubscribed transaction data and obtaining an account entry result according to the fixed deposit confirmation transaction data;
the generation module is used for generating a pre-authorized account processing result according to the pre-authorized processing data and the account entering result;
the unsubscribed transaction data comprise unsubscribed failure transaction data and unsubscribed successful transaction data; the processing module is specifically configured to:
generating pre-authorization processing data according to the fixed gold payment transaction data and the unsubscribed transaction data, including:
generating first branch accounting subject data according to the unsubscribed failure transaction data so that branches can conduct accounting processing according to the first branch accounting subject data;
determining data to be rolled according to the unsubscribed successful transaction data and the fixed payment transaction data;
taking the first branch accounting subject data and the data to be rolled as pre-authorization processing data;
the account checking result comprises an account checking success and an account checking failure, and the generation module is specifically used for:
if the account checking result is that the account checking fails, generating second branch accounting subject data according to the account checking result, so that the branches perform accounting processing according to the second branch accounting subject data;
if the account checking result is successful, generating third branch accounting subject data according to the target transaction data in the account checking result, so that the branch performs accounting processing according to the third branch accounting subject data, and generating transaction data to be rolled and confirmed according to the target settlement confirmation transaction data in the account checking result;
performing rolling process according to the account-hanging data, the data to be rolled and the transaction data to be rolled and the fixed deposit confirmation transaction data to obtain a rolling result;
generating fourth branch accounting subject data according to the rolling result so that the branches can perform accounting processing according to the second branch accounting subject data;
and taking the first branch accounting subject data, the second branch accounting subject data, the third branch accounting subject data and the fourth branch accounting subject data as pre-authorized accounting processing results.
5. The apparatus of claim 4, further comprising a risk control module to:
determining the identity information of a target account according to the pre-authorized transaction data;
and if the identity information does not meet the preset safety condition, limiting the pre-authorized accounting processing operation of the target account according to the preset condition.
6. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 3 when executing the computer program.
7. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program for executing the method of any one of claims 1 to 3.
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