CN112650568A - Merchant netting difference settlement method, system, computer equipment and storage medium - Google Patents

Merchant netting difference settlement method, system, computer equipment and storage medium Download PDF

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CN112650568A
CN112650568A CN202011529955.8A CN202011529955A CN112650568A CN 112650568 A CN112650568 A CN 112650568A CN 202011529955 A CN202011529955 A CN 202011529955A CN 112650568 A CN112650568 A CN 112650568A
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clearing
payment
merchant
node
running water
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孙煌
吴海波
陈志杰
曾坚坚
郭倩
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Yinsheng Payment Service Co Ltd
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Yinsheng Payment Service Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F9/00Arrangements for program control, e.g. control units
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    • G06F9/4881Scheduling strategies for dispatcher, e.g. round robin, multi-level priority queues
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/25Integrating or interfacing systems involving database management systems
    • G06F16/254Extract, transform and load [ETL] procedures, e.g. ETL data flows in data warehouses
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
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    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/27Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The invention relates to a commercial tenant netting settlement method, a system, a computer device and a storage medium, relating to the technical field of financial clearing, comprising a clearing system for acquiring imported consumption, generation payment and reimbursement running water regularly at day T, calling the running water synchronization system to synchronously execute the imported consumption, generation payment and reimbursement, selecting a main node at random at a plurality of service nodes, acquiring a node allocation task by the main node according to configuration information, acquiring an original record of transaction by a synchronization node N, judging whether the running water state accords with data needing clearing, entering the data meeting the clearing into converted data, waiting for netting clearing, or else discarding the running water synchronization system for processing the data meeting the clearing at day T +1, a clearing bill collected by the node N can collect the netting data processing system according to the commercial tenant number, the customer number and whether the netting, the consumption and the payment of the invention can keep the rolling difference clearing and improve the fund prevention and control measures.

Description

Merchant netting difference settlement method, system, computer equipment and storage medium
Technical Field
The invention relates to the technical field of financial clearing, in particular to a merchant netting settlement method, a merchant netting settlement system, computer equipment and a storage medium.
Background
The D0 merchant is a merchant with D0 service authority, the D0 service is to pay the settlement amount to a bank account of the merchant instead of the payment amount in the transaction day, in some scenes, the consumption transaction is completed, and the payment is not made instead, so that the transaction which does not complete the D0 actually needs to be normally settled to the merchant at T1.
The existing clearing system can lead the transaction running water into the clearing flow water meter in day T, and the transaction running water has two transaction types of payment and consumption (order), under the condition, if the payment and consumption are directly carried out for clearing, the following problems can be caused:
1. the consumption and the payment by others are caused by the fact that the date is different from the same day and the settlement cannot be carried out on the same day because of the day cutting or the inconsistency of the system time.
2. The consumption and the payment on behalf of the user are different in the transaction systems, and the clearing states are not set to be consistent due to different business processing modes, so that the situation that the clearing is not carried out simultaneously and more clearing and less clearing are caused.
3. The surcharge, if successful across days, may result in the surcharge and the consumption not being cleared on the same day.
Disclosure of Invention
In order to overcome the defects of the prior art, the merchant netting settlement method, the merchant netting settlement system, the computer equipment and the storage medium can solve the problem that consumption and payment for surcharge are kept at the same time for settlement or not.
The technical scheme adopted by the invention for solving the technical problems is as follows: the improvement of a merchant netting settlement method is that the merchant netting settlement method comprises the following steps:
step 1: triggering the leading-in running water at regular time, and storing the leading-in running water into a clearing running water meter to form a clearing running water structure;
step 2: and (5) rolling difference clearing is carried out on the clearing flow structure.
As an improvement of the technical scheme, the method comprises the following specific steps of triggering the leading-in running water at regular time, storing the leading-in running water into a liquidation running water meter, and forming a liquidation running water structure:
step 11: initiating an execution task, calling a flow synchronization system, selecting a main node from a plurality of service nodes, and acquiring tasks distributed by the nodes by the main node;
step 12: the flow synchronization node N captures an original record of consumption or payment and generation transaction, judges whether the state type accords with the data needing clearing, and if the state type accords with the data needing clearing, the data which accords with the clearing enters the converted data, otherwise, the data is discarded;
step 13: the data meeting the clearing requirement is subjected to field conversion and converted into an object with a unified clearing system table;
step 14: after the cleared data is processed, simultaneously processing a plurality of nodes;
step 15: the running water processed by the plurality of nodes is transmitted to the summary node for processing, the consumption is found according to the information of the running water, and whether difference clearing is needed or not is uniformly set;
step 16: if the pen consumption cannot be found, recording as next processing, and repeating the steps 11-15.
As a further improvement of the technical scheme, if the order exists between the payment and the consumption, the accounting date and the clearing state of the consumption and the payment are unified through the accounting date on the order flow.
As a further improvement of the above technical solution, when the timing trigger imports the running water for the generation payment, the running water for the generation payment includes the running water for the generation payment which is not overtime and the running water for the generation payment which is overtime.
As a further improvement of the above-described technical means, the introduced substitute payment flow is recognized as being changed and in a clear failure state, and the substitute payment flow is deleted.
As a further improvement of the technical scheme, for the introduced generation payment running water, the success or failure of the channel can be known through the T +1 day account checking, and the generation payment which fails and is cleared successfully is initiated to be discussed.
As a further improvement of the above technical solution, the specific steps of performing rolling difference clearing on the clearing flow structure include:
step 21: calculating nodes, acquiring all running water by the batch running process, sending the running water to the calculating nodes, and calculating the commission charge;
step 22: the clearing node is called after the computing node is executed, the trading information is grouped and summarized through various latitudes, and a plurality of streams are summarized into one or a plurality of clearing lists;
step 23: and the settlement node calls the summary node after the settlement node finishes execution, the summary node acquires all transaction line client numbers, performs concurrent processing, counts all consumption and payment merchant numbers and client numbers together to form a settlement list, and performs summary netting according to the merchant numbers, the client numbers and whether to participate in netting.
As a further improvement of the above technical solution, in step 21, after the payment flow completes the calculation of the handling fee, the merchant number of the payment flow is queried in the merchant table of the consolidated settlement configuration to obtain the corresponding consolidated merchant number.
As a further improvement of the above technical solution, in step 22, if a customer corresponds to a plurality of merchant numbers, the merchant numbers of the transaction summary of the payment and consumption of the settlement single merchant number are replaced by the same merchant number.
As a further improvement of the above technical solution, the transaction flow of step 1 is executed in T days.
As a further improvement of the above technical solution, the transaction flow of step 2 is executed in T +1 day.
The merchant netting settlement system is improved in that the merchant netting settlement system comprises a clearing system, a flow synchronization system and a data processing system, wherein the clearing system, the flow synchronization system and the data processing system are electrically connected;
the liquidation system is used for acquiring the imported consumption, the generation payment and the additional payment in a timing mode on T day and calling the running water synchronization system to perform synchronous execution processing on the imported consumption, the generation payment and the additional payment;
the flow synchronization system is used for randomly selecting a main node at a plurality of service nodes, the main node acquires a node allocation task according to configuration information, the synchronization node N acquires an original record of consumption or payment transaction, and the synchronization node N enters the data which is in accordance with the settlement into the converted data by judging whether the state of the consumption or payment transaction is in accordance with the data which needs to be settled or not, waits for settlement of the settlement, and otherwise, discards the data;
the data processing system is used for processing data meeting clearing in T +1 days, and a clearing bill summarized by the node N can be summarized and rolled according to the number of a commercial tenant, the number of a client and whether the node N participates in rolling.
A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method of any one of the above when executing the computer program.
A computer-readable storage medium, wherein a computer program for executing any one of the methods is stored in the computer-readable storage medium.
The invention has the beneficial effects that: consumption and payment by surrogates can be simultaneously kept to be cleared or not cleared, when the corresponding payment by surrogates are not paid, consumption transaction can be kept to be not cleared, repeated sending out of clearing is avoided, payment by surrogates and merchants of consumption are different, settlement by difference can be carried out, and fund prevention and control measures can be improved.
Drawings
Fig. 1 is an overall structural view of the present invention.
FIG. 2 is a flow chart of the system of 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. 1-2, the invention discloses a merchant netting settlement method, comprising the following steps:
step 1: and executing timing triggering and leading in running water on T day, and storing the led in running water into a liquidation flow water meter to form a liquidation flow water structure, wherein the specific method comprises the following steps:
initiating an execution task, calling a flow synchronization system, selecting a main node from a plurality of service nodes, and acquiring tasks distributed by the nodes by the main node;
the flow synchronization node N captures an original record of consumption or payment and generation transaction, judges whether the state type accords with the data needing clearing, and if the state type accords with the data needing clearing, the data which accords with the clearing enters the converted data, otherwise, the data is discarded;
the data meeting the clearing requirement is subjected to field conversion and converted into an object with a unified clearing system table;
after the cleared data is processed, simultaneously processing a plurality of nodes;
the running water processed by the plurality of nodes is transmitted to the summary node for processing, the consumption is found according to the information of the running water, and whether difference clearing is needed or not is uniformly set;
if the pen consumption can not be found, recording as next processing, and repeating the steps.
Step 2: and performing rolling difference clearing on the clearing flow structure on the T +1 day, wherein the method comprises the following steps:
calculating nodes, acquiring all running water by the batch running process, sending the running water to the calculating nodes, calculating the handling fee, and after the handling fee is calculated by the current-generation payment running water, inquiring in a merchant table of the merged clearing configuration by the merchant number of the current-generation payment running water to acquire a corresponding merged merchant number;
the clearing node is called after the execution of the computing node is finished, transaction information is grouped and summarized through various latitudes, a plurality of streams are summarized into one or a plurality of clearing lists, and if one customer corresponds to a plurality of merchant numbers, the merchant numbers of the transaction summary of the payment and consumption of the merchant numbers of the clearing lists are uniformly replaced by the same merchant number;
and the settlement node calls the summary node after the settlement node finishes execution, the summary node acquires all transaction line client numbers, performs concurrent processing, counts all consumption and payment merchant numbers and client numbers together to form a settlement list, and performs summary netting according to the merchant numbers, the client numbers and whether to participate in netting.
In the step 1, when the scheduling initiates execution of tasks, the invention calls the pipeline synchronization system, randomly selects a master node from a plurality of service nodes, and the master node acquires tasks distributed by the nodes according to configuration information.
Referring to fig. 2, the pipeline synchronization node N captures the original records of the consumed or surcharge transaction, and captures the changed data only according to the pseudo-columns each time, that is, the transaction can be captured only by modifying or adding new transaction, after the data is captured, it enters the converted data by judging whether the conditions such as state type and the like are satisfied, if so, it is discarded, when the consumed and surcharge satisfy the conditions, it performs field conversion, and converts it into an object with a uniform liquidation system table, the object (liquidation flow meter of liquidation system) will query another table to perform individual field updating operation, then it is put in storage, before the storage, it will query whether it has been put in storage, if it has been updated, or it will be inserted, after the consumed and surcharge have completed synchronous flow clearing by multiple nodes, it will enter all the pipelines into the summary node next step, and processing during the summary, finding the consumption according to the self-associated information by the payment flow, uniformly setting whether the operation of the required offset needs to be cleared or not, and if the operation cannot be found, carrying out the next processing, wherein the whole process is repeatedly and circularly executed all the time.
In step 2, after the transaction flow of the day T is completed, the operation of clearing the offset is performed at T +1, the calculation node is first performed, when the batch process takes all the flows to be sent to the calculation node, each transaction flow calculates the commission fee and the like through calculation, when a consumption order payment flow is completed, a merchant table of combined clearing configuration is queried according to the merchant numbers of the flow, and the corresponding combined merchant numbers are obtained according to the merchant table (transaction flows of different merchant numbers are combined into the same through the table).
And secondly, a clearing node is called after the execution of the computing node is finished, the node mainly groups and summarizes information of the transaction through multiple dimensions, and multiple streams are summarized into one or more transactions. In the process, the merchant number on the clearing list is inquired in a clearing white list configuration table according to the merchant number, and if one customer corresponds to a plurality of merchant numbers, the merchant numbers of the trading summary of the clearing list merchant substitution and consumption types are uniformly replaced by the same merchant number.
And finally, the settlement node is used for calling a settlement summarizing node after the clearing node is executed, the summarizing node can take all the transaction line client numbers to perform concurrent processing operation, and all the merchant client numbers consumed and paid on the transaction line client numbers are unified into one. And summarizing the rolling difference through the clearing list summarized by the clearing nodes according to conditions such as the number of the commercial tenant, the number of the customer, whether the rolling difference participates and the like.
In addition, in step 1, if there is a correlated order between the order payment and the consumption, the accounting date and the clearing status of the consumption and the order payment are unified by the accounting date on the order flow. When the leading-in running water is triggered at regular time for the second payment, the running water of the second payment comprises the non-overtime second payment running water and the overtime second payment running water, namely the second payment without a channel return state is also led in, and the same merchants are mutually poor, so that the situation that the merchants settle accounts more and cause loss can be prevented. Recognizing that the imported substitute payment flow is changed and becomes a clear failure state, and deleting the substitute payment flow; for the imported generation payment running water, the success or failure of the channel can be known through the T +1 day account checking, the pursuit is initiated for the generation payment which fails and is successfully cleared, and the generation payment which fails and is successfully cleared is caused because the transactions are mutually poor, so that the settlement is less. For the failure of the payment-for-generation transaction, the payment-for-generation transaction at the clearing side is completed, and the additional payment can be initiated. Thus, consumption settlement at the clearing side is prevented, and then additional payment is carried out.
A merchant netting settlement system is characterized by comprising a clearing system, a flow synchronization system and a data processing system, wherein the clearing system, the flow synchronization system and the data processing system are electrically connected;
the liquidation system is used for acquiring the imported consumption, the generation payment and the additional payment in a timing mode on T day and calling the running water synchronization system to perform synchronous execution processing on the imported consumption, the generation payment and the additional payment;
the flow synchronization system is used for randomly selecting a main node at a plurality of service nodes, the main node acquires a node allocation task according to configuration information, the synchronization node N acquires an original record of consumption or payment transaction, and the synchronization node N enters the data which is in accordance with the settlement into the converted data by judging whether the state of the consumption or payment transaction is in accordance with the data which needs to be settled or not, waits for settlement of the settlement, and otherwise, discards the data;
the data processing system is used for processing data meeting clearing in T +1 days, and a clearing bill summarized by the node N can be summarized and rolled according to the number of a commercial tenant, the number of a client and whether the node N participates in rolling.
In the above embodiment, the clearing system, the pipelining synchronization system and the data processing system of the present invention coordinate with each other to perform offset settlement processing on consumption and payment by generation, and for the condition that payment by generation is not paid when time out, it can keep that consumption cannot be cleared away, and avoid repeatedly sending clearing transaction.
A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method of any one of the above when executing the computer program.
A computer-readable storage medium, wherein a computer program for executing any one of the methods is stored in the computer-readable storage medium.
The invention has the beneficial effects that: consumption and payment by surrogates can be simultaneously kept to be cleared or not cleared, when the corresponding payment by surrogates are not paid, consumption transaction can be kept to be not cleared, repeated sending out of clearing is avoided, payment by surrogates and merchants of consumption are different, settlement by difference can be carried out, and fund prevention and control measures can be improved.
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 (14)

1. A merchant netting settlement method is characterized by comprising the following steps:
step 1: triggering the leading-in running water at regular time, and storing the leading-in running water into a clearing running water meter to form a clearing running water structure;
step 2: and (5) rolling difference clearing is carried out on the clearing flow structure.
2. The merchant netting settlement method of claim 1, wherein the step of periodically triggering the incoming running water to store the incoming running water into the clearing running water meter to form a clearing running water structure comprises:
step 11: initiating an execution task, calling a flow synchronization system, selecting a main node from a plurality of service nodes, and acquiring tasks distributed by the nodes by the main node;
step 12: the flow synchronization node N captures an original record of consumption or payment and generation transaction, judges whether the state type accords with the data needing clearing, and if the state type accords with the data needing clearing, the data which accords with the clearing enters the converted data, otherwise, the data is discarded;
step 13: the data meeting the clearing requirement is subjected to field conversion and converted into an object with a unified clearing system table;
step 14: after the cleared data is processed, simultaneously processing a plurality of nodes;
step 15: the running water processed by the plurality of nodes is transmitted to the summary node for processing, the consumption is found according to the information of the running water, and whether difference clearing is needed or not is uniformly set;
step 16: if the pen consumption cannot be found, recording as next processing, and repeating the steps 11-15.
3. The merchant netting settlement method of claim 2, wherein if there is an associated order between the order and the consumption, the accounting date and settlement status of the consumption and the order are unified by the accounting date on the order flow.
4. The merchant netting settlement method of claim 1, wherein when the timed trigger import flow is a second payment, the second payment flow comprises a second payment flow that is not timed out and a second payment flow that is timed out.
5. The merchant netting settlement method of claim 4, wherein the introduced subsidiary payment flow is deleted after recognizing that the introduced subsidiary payment flow is changed and has become an explicit failure state.
6. The merchant netting settlement method as claimed in claim 4, wherein for the introduced subsidy payment running water, the success or failure of the channel can be known through the T +1 day account check, and the discussion is initiated for the failed and successful subsidy payment.
7. The merchant netting settlement method of claim 1, wherein the step of netting a clearing pipeline structure comprises:
step 21: calculating nodes, acquiring all running water by the batch running process, sending the running water to the calculating nodes, and calculating the commission charge;
step 22: the clearing node is called after the computing node is executed, the trading information is grouped and summarized through various latitudes, and a plurality of streams are summarized into one or a plurality of clearing lists;
step 23: and the settlement node calls the summary node after the settlement node finishes execution, the summary node acquires all transaction line client numbers, performs concurrent processing, counts all consumption and payment merchant numbers and client numbers together to form a settlement list, and performs summary netting according to the merchant numbers, the client numbers and whether to participate in netting.
8. The merchant netting settlement method as claimed in claim 7, wherein in step 21, after the payment flow completes the calculation of the handling fee, the merchant number of the payment flow is inquired in the merchant table of the consolidated settlement configuration to obtain the corresponding consolidated merchant number.
9. The merchant netting settlement method of claim 7, wherein in step 22, if a customer corresponds to a plurality of merchant numbers, the merchant number of the transaction summary of the payment and consumption of the merchant number of the settlement unit is replaced with the same merchant number.
10. The merchant netting settlement method of claim 1, wherein the transaction flow of step 1 is performed on day T.
11. The merchant netting settlement method of claim 1, wherein the transaction flow of step 2 is executed at T +1 day.
12. A merchant netting settlement system is characterized by comprising a clearing system, a flow synchronization system and a data processing system, wherein the clearing system, the flow synchronization system and the data processing system are electrically connected;
the liquidation system is used for acquiring the imported consumption, the generation payment and the additional payment in a timing mode on T day and calling the running water synchronization system to perform synchronous execution processing on the imported consumption, the generation payment and the additional payment;
the flow synchronization system is used for randomly selecting a main node at a plurality of service nodes, the main node acquires a node allocation task according to configuration information, the synchronization node N acquires an original record of consumption or payment transaction, and the synchronization node N enters the data which is in accordance with the settlement into the converted data by judging whether the state of the consumption or payment transaction is in accordance with the data which needs to be settled or not, waits for settlement of the settlement, and otherwise, discards the data;
the data processing system is used for processing data meeting clearing in T +1 days, and a clearing bill summarized by the node N can be summarized and rolled according to the number of a commercial tenant, the number of a client and whether the node N participates in rolling.
13. 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 11 when executing the computer program.
14. 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 11.
CN202011529955.8A 2020-12-22 2020-12-22 Merchant netting difference settlement method, system, computer equipment and storage medium Pending CN112650568A (en)

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CN113468131A (en) * 2021-07-14 2021-10-01 上海通联金融服务有限公司 Batch processing and multi-dimensional storage method for merchant receipt flow

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CN110619570A (en) * 2019-09-19 2019-12-27 中国银行股份有限公司 Cross-bank transfer processing method and device
CN111930760A (en) * 2020-07-21 2020-11-13 银盛支付服务股份有限公司 Transaction flow distributed batch processing method and system
US20200387902A1 (en) * 2019-06-07 2020-12-10 Mastercard International Incorporated Systems and methods for settling chargeback requests

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US20200387902A1 (en) * 2019-06-07 2020-12-10 Mastercard International Incorporated Systems and methods for settling chargeback requests
CN110619570A (en) * 2019-09-19 2019-12-27 中国银行股份有限公司 Cross-bank transfer processing method and device
CN111930760A (en) * 2020-07-21 2020-11-13 银盛支付服务股份有限公司 Transaction flow distributed batch processing method and system

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