CN112308556A - Method and system for generating payment batch based on batch rule - Google Patents
Method and system for generating payment batch based on batch rule Download PDFInfo
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- CN112308556A CN112308556A CN202011118627.9A CN202011118627A CN112308556A CN 112308556 A CN112308556 A CN 112308556A CN 202011118627 A CN202011118627 A CN 202011118627A CN 112308556 A CN112308556 A CN 112308556A
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- 238000000034 method Methods 0.000 title claims abstract description 22
- 238000001914 filtration Methods 0.000 claims description 8
- 230000002159 abnormal effect Effects 0.000 claims description 6
- 230000004931 aggregating effect Effects 0.000 claims 1
- 238000004220 aggregation Methods 0.000 claims 1
- 230000002776 aggregation Effects 0.000 claims 1
- 230000009286 beneficial effect Effects 0.000 abstract description 2
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/22—Indexing; Data structures therefor; Storage structures
- G06F16/2282—Tablespace storage structures; Management thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/24—Querying
- G06F16/245—Query processing
- G06F16/2455—Query execution
Abstract
The embodiment of the invention provides a method for generating payment batches based on batch rules, which comprises the following steps: the method comprises the following steps: judging whether a settlement list is normally finished or not, wherein the settlement list corresponds to a plurality of settlement detail lists; step two: when the settlement list is normally finished, acquiring all payment batch rules of the current system; step three: based on all payment batch rules of the current system, the settlement statement generates a corresponding temporary payment record to obtain a temporary record table; step four: summarizing the temporary payment records in the temporary record table, and storing the temporary payment records in a batch summary information table; the embodiment of the invention realizes batch payment of the appointed merchant, and is beneficial to reducing the risk of one-time payment.
Description
Technical Field
The invention relates to the technical field of clearing payment, in particular to a method and a system for generating payment batches based on batch rules.
Background
At present, payment operation of a clearing system is generally one-time payment operation aiming at all clearing merchants or records, partial merchants fail to pay due to account information, merchant settlement rules or limits and other differences need to be paid for times and cannot be met, and in addition, fund risks are easily generated during large-scale payment.
Summary of the invention
In order to overcome the defects of the prior art, the invention provides a batch payment generation method based on batch rules, which is used for solving the problem of how to reduce the risk of one-time payment by batch payment.
The technical scheme adopted by the invention for solving the technical problems is as follows: a method for generating payment batches based on batch rules, comprising the steps of:
the method comprises the following steps: judging whether a settlement list is normally finished or not, wherein the settlement list corresponds to a plurality of settlement detail lists;
step two: when the settlement list is normally finished, acquiring all payment batch rules of the current system;
step three: based on all payment batch rules of the current system, the settlement statement generates a corresponding temporary payment record to obtain a temporary record table;
step four: and summarizing the temporary payment records in the temporary record table, and storing the temporary payment records in a batch summary information table.
Preferably, before determining whether the settlement list is normally completed, the method further includes:
and filtering the settlement statement to obtain failure or abnormal records of the merchant account.
Preferably, when the settlement list is normally completed, after all payment batch rules of the current system are acquired, the steps further include:
and circularly matching the records of the settlement list according to all the payment batch rules of the current system.
Preferably, after the temporary payment records in the temporary record table are summarized and saved in a batch summary information table, the steps further include:
and changing the state of the settlement details in the settlement details table into paid payment according to the temporary payment record of the temporary record table.
Preferably, after the status of the settlement details in the settlement details table is changed to paid, the steps further include:
inserting the temporary payment record of the temporary record table into a batch payment statement.
A batch of payments system based on batch rules, the system comprising:
the judging unit is used for judging whether a settlement list is normally finished or not, and the settlement list corresponds to a plurality of settlement detail lists;
the acquisition unit is used for acquiring all payment batch rules of the current system when the settlement list is normally finished;
the generating unit is used for generating corresponding temporary payment records by the settlement statement based on all payment batch rules of the current system to obtain a temporary record table;
and the summarizing unit is used for summarizing the temporary payment records in the temporary record table and storing the summarized temporary payment records in the batch summarizing information table.
Preferably, the system further comprises:
and the filtering unit is used for filtering the failure or merchant account abnormal records in the settlement statement.
Preferably, the system further comprises:
and the matching unit is used for circularly matching the records of the settlement statement according to all the acquired payment batch rules of the current system.
Preferably, the system further comprises:
and the changing unit is used for changing the state of the settlement details in the settlement details table into paid payment according to the temporary payment record of the temporary record table.
Preferably, the system further comprises:
and the inserting unit is used for inserting the temporary payment record of the temporary record table into the batch payment detail table.
The invention has the beneficial effects that: whether a settlement list is normally finished or not is judged, the settlement list corresponds to a plurality of settlement detail tables, when the settlement list is normally finished, all payment batch rules of the current system are obtained, based on all the payment batch rules of the current system, corresponding temporary payment records are generated by the settlement detail tables, a temporary record table is obtained, the temporary payment records in the temporary record table are collected and stored in a batch collection information table, batch payment of specified merchants is further realized, and the risk of one-time payment is further reduced.
Drawings
FIG. 1 is a flow diagram of a method for generating payment batches based on batch rules.
FIG. 2 is a functional block diagram of a batch rules based payment batch system.
FIG. 3 is another functional block diagram of a batch rules based payment batch system.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The following detailed description of specific implementations of the present invention is provided in conjunction with specific embodiments:
the first embodiment is as follows:
fig. 1 illustrates an implementation flow of a method for generating payment batches based on batch rules according to an embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are illustrated, which is detailed as follows:
in step S101: judging whether a settlement list is normally finished or not, wherein the settlement list corresponds to a plurality of settlement detail lists;
preferably, before determining whether the settlement list is normally completed, the method further includes:
and filtering the settlement statement to obtain failure or abnormal records of the merchant account.
In step S102: when the settlement list is normally finished, acquiring all payment batch rules of the current system;
preferably, when the settlement list is normally completed, after all payment batch rules of the current system are acquired, the steps further include:
and circularly matching the records of the settlement list according to all the payment batch rules of the current system.
In step S103: based on all payment batch rules of the current system, the settlement statement generates a corresponding temporary payment record to obtain a temporary record table;
in step S104: and summarizing the temporary payment records in the temporary record table, and storing the temporary payment records in a batch summary information table.
Preferably, after the temporary payment records in the temporary record table are summarized and saved in a batch summary information table, the steps further include:
and changing the state of the settlement details in the settlement details table into paid payment according to the temporary payment record of the temporary record table.
Preferably, after the status of the settlement details in the settlement details table is changed to paid, the steps further include:
inserting the temporary payment record of the temporary record table into a batch payment statement.
It will be understood by those skilled in the art that all or part of the steps in the method for implementing the above embodiments may be implemented by relevant hardware instructed by a program, and the program may be stored in a computer-readable storage medium, such as ROM/RAM, magnetic disk, optical disk, etc.
Example two:
fig. 2 shows a structure of a batch rule-based payment batch generation system according to a second embodiment of the present invention, and for convenience of description, only the parts related to the second embodiment of the present invention are shown, which are detailed as follows:
a judging unit 201, configured to judge whether a settlement list is completed normally, where the settlement list corresponds to a plurality of settlement detail tables;
an obtaining unit 202, configured to obtain all payment batch rules of a current system when the settlement list is completed normally;
the generating unit 203 is configured to generate corresponding temporary payment records from the settlement statement based on all payment batch rules of the current system, so as to obtain a temporary record table;
the summarizing unit 204 is configured to summarize the temporary payment records in the temporary record table, and store the summarized temporary payment records in the batch summary information table.
In the embodiment of the application, whether a settlement list is normally finished or not is judged, the settlement list corresponds to a plurality of settlement detail tables, when the settlement list is normally finished, all payment batch rules of the current system are obtained, based on all payment batch rules of the current system, the settlement detail tables generate corresponding temporary payment records to obtain temporary record tables, the temporary payment records in the temporary record tables are summarized and stored in a batch summary information table, further batch payment for a specified merchant is realized, and the risk of one-time payment is further reduced; the detailed implementation of each unit can refer to the description of the first embodiment, and is not repeated herein.
Example three:
fig. 3 is a functional block diagram of a batch rule-based payment batch system according to a third embodiment of the present invention, which is only shown in the relevant parts according to the third embodiment of the present invention for convenience of illustration, and includes:
a filtering unit 301, configured to filter that a failure or merchant account exception record exists in the settlement statement;
a judging unit 302, configured to judge whether a settlement list is completed normally, where the settlement list corresponds to a plurality of settlement detail tables;
an obtaining unit 303, configured to obtain all payment batch rules of a current system when the settlement list is completed normally;
and the matching unit 304 is used for circularly matching the records of the settlement list according to all the acquired payment batch rules of the current system.
A generating unit 305, configured to generate a corresponding temporary payment record according to the settlement statement based on all payment batch rules of the current system, so as to obtain a temporary record table;
and the summarizing unit 306 is configured to summarize the temporary payment records in the temporary record table, and store the summarized temporary payment records in the batch summarizing information table.
A changing unit 307, configured to change the state of the settlement statement in the settlement statement to a paid state according to the temporary payment record in the temporary record table.
An inserting unit 308, configured to insert the temporary payment record of the temporary record table into the batch payment list.
In the embodiment of the application, whether a settlement list is normally finished or not is judged, the settlement list corresponds to a plurality of settlement detail tables, when the settlement list is normally finished, all payment batch rules of the current system are obtained, based on all payment batch rules of the current system, the settlement detail tables generate corresponding temporary payment records to obtain temporary record tables, the temporary payment records in the temporary record tables are summarized and stored in a batch summary information table, batch payment for specified merchants is further realized, and the risk of one-time payment is further reduced.
The method comprises the following specific steps: and eliminating the records of failure of settlement details or abnormal merchant account and the like, namely, stopping payment for the problem records in the clearing record, and not participating in the clearing (delay or manual processing) so as to avoid influencing normal merchant payment operation.
And judging whether the bill of settlement is normally finished or not, and if so, terminating the payment.
Searching all payment batch rules of the current system, forming a payment batch according to the settlement details meeting the conditions, circularly matching records of the settlement details according to all the payment batch rules, and performing operation of generating the payment batch on the settlement details meeting the conditions, wherein the rule matching process is shown in the figure, and the settlement details record enters the payment batch if all the matching conditions meet the conditions.
And saving the record meeting the rules in the last step into a temporary table to serve as a data copy.
And summarizing the payment records of the temporary table and storing the summary records into a batch summary information table.
And changing the settlement detail state corresponding to the original settlement detail table into the paid state according to the temporary table record.
And the record in the temporary table is inserted into the batch payment list, and the payment batch is generated.
And clearing the temporary table record, and updating the state of the statement of account to be paid.
All payment batch rules specifically include: merchant batches for which payment is prioritized, D +1 day payment batches, etc.
The contents of all payment batch rules are as follows: business customization information such as a merchant number, a payment amount interval, whether automatic payment is carried out and the like, and rules can be dynamically added and changed according to actual business needs.
And according to all payment batch rules, matching the records needing payment.
Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the embodiments described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation.
Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention. The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and the changes or substitutions should be covered within 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 (10)
1. A method for generating payment batches based on batch rules, comprising the steps of:
the method comprises the following steps: judging whether a settlement list is normally finished or not, wherein the settlement list corresponds to a plurality of settlement detail lists;
step two: when the settlement list is normally finished, acquiring all payment batch rules of the current system;
step three: based on all payment batch rules of the current system, the settlement statement generates a corresponding temporary payment record to obtain a temporary record table;
step four: and summarizing the temporary payment records in the temporary record table, and storing the temporary payment records in a batch summary information table.
2. The batch rule based payment batch method of claim 1, wherein before determining whether the settlement manifest is normally completed, the steps further comprise:
and filtering the settlement statement to obtain failure or abnormal records of the merchant account.
3. The batch rule based payment batch generation method of claim 2, wherein after obtaining all payment batch rules of the current system when the settlement manifest is normally completed, the steps further comprise:
and circularly matching the records of the settlement list according to all the payment batch rules of the current system.
4. The batch rule based payment batch method of claim 3, wherein after aggregating the temporary payment records in the temporary record table and storing the aggregated temporary payment records in the batch aggregation information table, the method further comprises:
and changing the state of the settlement details in the settlement details table into paid payment according to the temporary payment record of the temporary record table.
5. The batch rule based payment batch method of claim 4, wherein after the status of the settlement details in the settlement details table is changed to paid, the steps further comprise:
inserting the temporary payment record of the temporary record table into a batch payment statement.
6. A batch rule based payment batch generation system, the system comprising:
the judging unit is used for judging whether a settlement list is normally finished or not, and the settlement list corresponds to a plurality of settlement detail lists;
the acquisition unit is used for acquiring all payment batch rules of the current system when the settlement list is normally finished;
the generating unit is used for generating corresponding temporary payment records by the settlement statement based on all payment batch rules of the current system to obtain a temporary record table;
and the summarizing unit is used for summarizing the temporary payment records in the temporary record table and storing the summarized temporary payment records in the batch summarizing information table.
7. The batch rules based payment batch system of claim 6 further comprising:
and the filtering unit is used for filtering the failure or merchant account abnormal records in the settlement statement.
8. The batch rules based payment batch system of claim 7 further comprising:
and the matching unit is used for circularly matching the records of the settlement statement according to all the acquired payment batch rules of the current system.
9. The batch rule-based payment batch system of claim 8, further comprising:
and the changing unit is used for changing the state of the settlement details in the settlement details table into paid payment according to the temporary payment record of the temporary record table.
10. The batch rule-based payment batch system of claim 8, further comprising:
and the inserting unit is used for inserting the temporary payment record of the temporary record table into the batch payment detail table.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011118627.9A CN112308556A (en) | 2020-10-19 | 2020-10-19 | Method and system for generating payment batch based on batch rule |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011118627.9A CN112308556A (en) | 2020-10-19 | 2020-10-19 | Method and system for generating payment batch based on batch rule |
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| Publication Number | Publication Date |
|---|---|
| CN112308556A true CN112308556A (en) | 2021-02-02 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202011118627.9A Withdrawn CN112308556A (en) | 2020-10-19 | 2020-10-19 | Method and system for generating payment batch based on batch rule |
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| Country | Link |
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| CN (1) | CN112308556A (en) |
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2020
- 2020-10-19 CN CN202011118627.9A patent/CN112308556A/en not_active Withdrawn
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