CN112184423A - Method for checking inconsistency between account balance and T1 settlement amount - Google Patents
Method for checking inconsistency between account balance and T1 settlement amount Download PDFInfo
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- 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
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Abstract
The invention discloses a method for checking the problem that account balance is inconsistent with settlement amount of T1, relating to the technical field of financial payment; the method comprises the following steps: s1, exporting the accounting flow data, exporting a table containing the accounting flow data in set time, wherein the table contents include but are not limited to a flow number, an accounting date, an occurrence amount, a type and an account balance, and finding out a date and an amount of daily account failure according to the accounting flow data; s2, arranging the accounting flow data, and making grouping statistical amount on the table of the accounting flow data according to the accounting date and type of the account to obtain daily transaction occurrence amount and settlement occurrence amount; s3, finding out the transaction date with problems; s4, account checking processing of the accounting flow and the transaction flow; the invention has the beneficial effects that: the method is used for processing the accounting problem and finishing normal charge-out of the settlement amount.
Description
Technical Field
The invention relates to the technical field of financial payment, in particular to a method for checking the problem that account balance is inconsistent with T1 settlement amount.
Background
Typically, the transaction system will keep track of the flow of the accounting for each transaction, but there will be some error in between, resulting in either a successful transaction without accounting, or a successful accounting but unsuccessful transaction.
And when the merchant is cleared for T +1 days, the settlement amount is obtained by summarizing according to the successful transaction flow of the T days, the settlement amount needs to be deducted from the merchant account to be paid to the merchant, funds in the merchant account are accumulated after the transaction system performs accounting for one time of the T days, and because the problems exist, the problem that the final settlement amount is inconsistent with the balance of the account can occur, so that the settlement amount fails to be paid to the merchant.
Disclosure of Invention
In order to overcome the defects of the prior art, the invention provides a method for checking the problem that the account balance is inconsistent with the settlement amount of T1, and the method is used for processing the accounting problem and completing the normal charge of the settlement amount.
The technical scheme adopted by the invention for solving the technical problems is as follows: in a method of checking for inconsistencies between account balances and T1 settlement amounts, the improvement comprising the steps of:
s1, exporting the accounting flow data, exporting a table containing the accounting flow data in set time, wherein the table contents include but are not limited to a flow number, an accounting date, an occurrence amount, a type and an account balance, and finding out a date and an amount of daily account failure according to the accounting flow data;
s2, arranging the accounting flow data, and making grouping statistical amount on the table of the accounting flow data according to the accounting date and type of the account to obtain daily transaction occurrence amount and settlement occurrence amount;
s3, finding out problematic trading days, adding the sum of the trading column in the step S2 to the sum of the settlement column of the T +1 day to obtain a netting list, filling the sum of account failure in the corresponding position of the row of the current date, and finding out the problematic settlement days through analyzing the netting list, wherein the previous day of the problematic settlement days is the problematic trading days;
s4, account checking processing of the account flow and the transaction flow, taking out the account flow with questioning transaction days, taking out the transaction flow participating in settlement, carrying out account checking processing on the account flow and the transaction flow, finding out the flows which do not exist mutually, and simultaneously, comparing the consistence of money for the flows which exist mutually; the serial number is recorded for the serial stream in which only one party exists or the serial streams in which both parties exist but the money amounts are inconsistent.
Further, in step S4, the accounting with the serial number recorded includes the following cases:
a. a case where the transaction is in settlement, but there is no billing;
b. transaction of the account but no participation in settlement;
c. a case where the transaction is involved in settlement and accounting is performed, but the amount of accounting is inconsistent with the amount of transaction.
Further, when the accounting of the serial number is recorded as the case a, the following processing is adopted:
s51, if the trade is equal to the channel account checking, the trade is compensated; if the transaction is different from the channel account checking, the settlement amount is invalidated, the running water is modified not to participate in settlement, or the error processing of the settlement list is carried out.
Further, when the account recorded with the serial number is the case b, the following processing is adopted:
and S52, the trade is replenished.
Further, when the account recorded with the serial number is the case b, the following processing is adopted:
and S53, confirming whether the bug problem exists in the transaction system.
Further, in step S1, the time period is set to be within approximately one month.
Further, in step S1, the accounting flow data is obtained by inquiring the accounting flow data with a set time or deriving the accounting flow data from the accounting system.
Further, in the steps S1 and S2, the types include transaction and settlement.
Further, in step S3, if a problematic settlement date is found, the process proceeds to step S4, and if a problematic settlement date is not found, the process returns to step S1 to newly import a table including accounting flow data in a set time.
The invention has the beneficial effects that: the reason causing the accounting problem can be found out step by step, so that the accounting problem can be further processed, and finally the charge of the settlement amount is finished. If the long-term accounting problem is involved, the problem can be found as long as the accounting flow exists, and the checking is more flexible and simpler than the checking of all the accounting flow and the transaction flow. The operator can completely solve the problem of clearing accounts by himself, and the method is very quick.
Drawings
FIG. 1 is a flow chart illustrating a method for checking the inconsistency between an account balance and a settlement amount of T1 according to the present invention.
Detailed Description
The invention is further illustrated with reference to the following figures and examples.
The conception, the specific structure, and the technical effects produced by the present invention will be clearly and completely described below in conjunction with the embodiments and the accompanying drawings to fully understand the objects, the features, and the effects of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all embodiments, and those skilled in the art can obtain other embodiments without inventive effort based on the embodiments of the present invention, and all embodiments are within the protection scope of the present invention. In addition, all the connection/connection relations referred to in the patent do not mean that the components are directly connected, but mean that a better connection structure can be formed by adding or reducing connection auxiliary components according to specific implementation conditions. All technical characteristics in the invention can be interactively combined on the premise of not conflicting with each other.
Referring to fig. 1, the present invention discloses a method for checking the inconsistency between the account balance and the T1 settlement amount, and specifically, the method includes the following steps:
s1, exporting the accounting flow data, exporting a table containing the accounting flow data in set time, wherein the table contents include but are not limited to a flow number, an accounting date, an occurrence amount, a type and an account balance, and finding out a date and an amount of daily account failure according to the accounting flow data;
wherein the set time is within approximately one month; and, the accounting flow data of the set time is inquired or derived from the accounting system.
With reference to the following table, the present invention provides a specific example:
| running water number | Date of accounting | Amount of occurrence | Type (B) | Balance of money |
| ... | ||||
| 001 | 20200101 | 0.01 | Trading | 0.01 |
| 002 | 20200102 | 1.00 | Trading | 1.01 |
| 003 | 20200102 | 2.00 | Trading | 3.01 |
| 004 | 20200103 | -3.01 | Settlement of accounts | 0.00 |
| 005 | 20200103 | 3.00 | Trading | 3.00 |
| 006 | 20200103 | 5.00 | Trading | 8.00 |
| 007 | 20200104 | 3.00 | Trading | 11.00 |
| 008 | 20200104 | -11.00 | Settlement of accounts | 0.00 |
| ..... |
The current problem is that the 1-month-5-day settlement amount is 3, but the posting fails because the account balance is 0, and a situation of insufficient balance occurs.
If the account running line has the sequence of the commission fees, summarizing according to the transaction running number to obtain a form of a running line; in particular, this can be done in excel using a data rendering.
S2, arranging the accounting flow data, and making grouping statistical amount on the table of the accounting flow data according to the accounting date and type of the account to obtain daily transaction occurrence amount and settlement occurrence amount; in this step, the types of posting include transaction and settlement, and in this embodiment, the following table is obtained:
| date of accounting | Trading | Settlement of accounts |
| 20200101 | 0.01 | |
| 20200102 | 3.00 | |
| 20200103 | 8.00 | -3.01 |
| 20200104 | 3 | -11 |
In one embodiment, excel implementation is adopted, by inserting a pivot table, rows are used for accounting date, columns are used for type, and statistics are summed by occurrence amount.
S3, finding out problematic trading days, adding the sum of the trading column in the step S2 to the sum of the settlement column of the T +1 day to obtain a netting list, filling the sum of account failure in the corresponding position of the row of the current date, and finding out the problematic settlement days through analyzing the netting list, wherein the previous day of the problematic settlement days is the problematic trading days;
in the present embodiment, the results obtained by the step S3 are shown in the following table:
| date of accounting | Trading | Settlement of accounts | Rolling difference |
| 20200101 | 0.01 | 0.01 | |
| 20200102 | 3.00 | -0.01 | |
| 20200103 | 8.00 | -3.01 | -3.00 |
| 20200104 | 3.00 | -11 | 0 |
| 20200105 | -3.00 |
As can be seen from the above table, the settlement amount is 0.01 less for No. 1 month 2, 0.01 more for No. 1 month 3, and the settlement amount is equivalent for two days. The multisettlement is 3.00 on 1 month and 4 days, and if not much on 1 month and 5 days, then 1 month and 3 days (settlement date is 1 month and 4 days) are problematic.
In step S3, it is understood that if a problematic settlement date is found, the process proceeds to step S4, and if no problematic settlement date is found, the process returns to step S1 to re-import the table containing the accounting running water data in the set time; and checking the accounting running water within the set time in sequence.
S4, account checking processing of the account flow and the transaction flow, taking out the account flow with questioning transaction days, taking out the transaction flow participating in settlement, carrying out account checking processing on the account flow and the transaction flow, finding out the flows which do not exist mutually, and simultaneously, comparing the consistence of money for the flows which exist mutually; recording serial numbers of the running water with only one party or running water with both parties but inconsistent money amounts;
in this embodiment, the accounting flow of 1 month and 3 days is obtained as follows:
| running water number | Date of accounting | Amount of occurrence | Type (B) | Balance of money |
| 005 | 20200103 | 3.00 | Trading | 3.00 |
| 006 | 20200103 | 5.00 | Trading | 8.00 |
| ..... |
The trade flow for taking part in settlement is as follows:
| running water number | Date of accounting | Amount of settlement |
| 005 | 20200103 | 3.00 |
| 006 | 20200103 | 5.00 |
| 116 | 20200103 | 3.00 |
The two tables in step S4 are subjected to reconciliation processing, and the serial number 116 is obtained as shown in the above table, which is the case when the transaction is involved in settlement but there is no accounting.
Note that, in step S4, the accounting in which the serial number is recorded includes the following cases:
a. a case where the transaction is in settlement, but there is no billing;
b. transaction of the account but no participation in settlement;
c. a case where the transaction is involved in settlement and accounting is performed, but the amount of accounting is inconsistent with the amount of transaction.
The case of this embodiment of the invention, then belongs to case a, which is handled in the following way: s51, if the trade is equal to the channel account checking, the trade is compensated; if the transaction is different from the channel account checking, the settlement amount is invalidated, the running water is modified not to participate in settlement, or the error processing of the settlement list is carried out. Where the transaction needs to be sent to a bank, union of bank, etc., which are called channels.
When the accounting of the serial number is recorded as the case b, the following method is adopted:
s52, making a trade and supplementing the account; the compensation of the accounts is to reversely flush the accounts, that is, the transaction actually fails, so the accounts are not required to be booked, and the accounts are flushed after the accounts are recorded;
when the accounting of the serial number is recorded as the case b, the following method is adopted:
s53, confirming whether the transaction system has bug problems or whether the transaction system is caused by special marketing services; the special marketing service in the scheme is as follows: transaction 100, coupon 50 and account accounting 50, but the transaction flow record is incomplete, and flow accounting 100 causes the flow and the account amount to be inconsistent.
By the method, the reason causing the accounting problem can be found out step by step, so that the accounting problem can be further processed, and finally the charge of the settlement amount is finished. If the long-term accounting problem is involved, the problem can be found as long as the accounting flow exists, and the checking is more flexible and simpler than the checking of all the accounting flow and the transaction flow. The operator can completely solve the problem of clearing accounts by himself, and the method is very quick. In addition, the mode can be realized through excel, and operators can check account problems only by mastering simple excel functions without assistance of technicians and complex database operation; it is simpler and clearer than querying with a database.
While the preferred embodiments of the present invention have been illustrated and described, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.
Claims (9)
1. A method of checking for a discrepancy between an account balance and a T1 settlement amount, the method comprising the steps of:
s1, exporting the accounting flow data, exporting a table containing the accounting flow data in set time, wherein the table contents include but are not limited to a flow number, an accounting date, an occurrence amount, a type and an account balance, and finding out a date and an amount of daily account failure according to the accounting flow data;
s2, arranging the accounting flow data, and making grouping statistical amount on the table of the accounting flow data according to the accounting date and type of the account to obtain daily transaction occurrence amount and settlement occurrence amount;
s3, finding out problematic trading days, adding the sum of the trading column in the step S2 to the sum of the settlement column of the T +1 day to obtain a netting list, filling the sum of account failure in the corresponding position of the row of the current date, and finding out the problematic settlement days through analyzing the netting list, wherein the previous day of the problematic settlement days is the problematic trading days;
s4, account checking processing of the account flow and the transaction flow, taking out the account flow with questioning transaction days, taking out the transaction flow participating in settlement, carrying out account checking processing on the account flow and the transaction flow, finding out the flows which do not exist mutually, and simultaneously, comparing the consistence of money for the flows which exist mutually; the serial number is recorded for the serial stream in which only one party exists or the serial streams in which both parties exist but the money amounts are inconsistent.
2. The method as claimed in claim 1, wherein the step S4 of recording the serial number account comprises the following steps:
a. a case where the transaction is in settlement, but there is no billing;
b. transaction of the account but no participation in settlement;
c. a case where the transaction is involved in settlement and accounting is performed, but the amount of accounting is inconsistent with the amount of transaction.
3. The method of claim 2, wherein when the account number is recorded as case a, the method comprises the following steps:
s51, if the trade is equal to the channel account checking, the trade is compensated; if the transaction is different from the channel account checking, the settlement amount is invalidated, the running water is modified not to participate in settlement, or the error processing of the settlement list is carried out.
4. The method of claim 2, wherein when the account number is recorded as case b, the method comprises the following steps:
and S52, the trade is replenished.
5. The method of claim 2, wherein when the account number is recorded as case b, the method comprises the following steps:
and S53, confirming whether the bug problem exists in the transaction system.
6. The method as claimed in claim 1, wherein the step S1 is performed for a period of time up to about one month.
7. The method of claim 6, wherein in step S1, the accounting flow data is obtained by inquiring the accounting flow data for a set time or deriving the accounting flow data from the accounting system.
8. The method of claim 1, wherein said steps S1 and S2 are performed in a manner that checks if the account balance is inconsistent with the settlement amount of T1, wherein said types include transaction and settlement.
9. The method as claimed in claim 1, wherein the step S3 is executed to step S4 if the problematic settlement date is found, and the step S1 is executed to re-import the table containing the accounting running data in the set time if the problematic settlement date is not found.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011051446.9A CN112184423A (en) | 2020-09-29 | 2020-09-29 | Method for checking inconsistency between account balance and T1 settlement amount |
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|---|---|---|---|
| CN202011051446.9A CN112184423A (en) | 2020-09-29 | 2020-09-29 | Method for checking inconsistency between account balance and T1 settlement amount |
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| CN112184423A true CN112184423A (en) | 2021-01-05 |
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| CN202011051446.9A Withdrawn CN112184423A (en) | 2020-09-29 | 2020-09-29 | Method for checking inconsistency between account balance and T1 settlement amount |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113157479A (en) * | 2021-04-23 | 2021-07-23 | 广州市网星信息技术有限公司 | Data error correction method, system, device, equipment and storage medium |
| CN113435986A (en) * | 2021-06-23 | 2021-09-24 | 南宁学院 | Financial data management method |
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2020
- 2020-09-29 CN CN202011051446.9A patent/CN112184423A/en not_active Withdrawn
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113157479A (en) * | 2021-04-23 | 2021-07-23 | 广州市网星信息技术有限公司 | Data error correction method, system, device, equipment and storage medium |
| CN113435986A (en) * | 2021-06-23 | 2021-09-24 | 南宁学院 | Financial data management method |
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