CN112801648A - Account configuration management method and system based on payment scene - Google Patents

Account configuration management method and system based on payment scene Download PDF

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Publication number
CN112801648A
CN112801648A CN202110120122.4A CN202110120122A CN112801648A CN 112801648 A CN112801648 A CN 112801648A CN 202110120122 A CN202110120122 A CN 202110120122A CN 112801648 A CN112801648 A CN 112801648A
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China
Prior art keywords
account
accounting
checking
configuring
instruction
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Pending
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CN202110120122.4A
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Chinese (zh)
Inventor
肖文峰
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Shan Deutsche Bank Cartoon Information Service Co ltd
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Shan Deutsche Bank Cartoon Information Service Co ltd
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Priority to CN202110120122.4A priority Critical patent/CN112801648A/en
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    • 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • 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
    • G06Q40/03Credit; Loans; Processing thereof
    • 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

Abstract

The invention provides an account configuration management method and system based on a payment scene, which comprises the following steps: an account setting step: configuring account and account information based on the uploaded account opening message; account accounting step: configuring a service scene according to configuration factors, and configuring an accounting instruction for the specific service scene; accounting and checking: and checking the configured accounting instruction, performing final accounting processing if the configured accounting instruction passes the checking, not entering the accounting processing if the configured accounting instruction does not pass the checking, and informing the reason why the configured accounting instruction does not pass the checking. According to the invention, through the configurable accounting branch scene, the personalized accounting scheme is customized according to different service demands without modifying the service flow, so that the modification of system codes is reduced, and even the code modification rate is 0%.

Description

Account configuration management method and system based on payment scene
Technical Field
The invention relates to the field of data processing, in particular to an account configuration management method and system based on a payment scene.
Background
The existing account configuration management system usually needs to implement different accounting schemes according to different service requirements, so that service updates need to be kept frequently to implement actual requirements of different services. However, the above scheme requires modification of the source code of the system, and both the modification cost and the later maintenance cost are greatly increased, which is not favorable for efficient account management.
The invention patent of patent document CN110311891A discloses an account management method, device, computer device and storage medium, the method includes: acquiring a first contact way of a first account and a second contact way of a second account; judging whether the first contact way and the second contact way are the same; if the first account and the second account are the same, judging that the first account and the second account belong to the same user according to the use record of the accounts, and then sending verification information for account combination to the user; under the condition of passing the verification, determining that one of the first account and the second account is a main account and the other one is a non-main account according to a preset rule; and merging the non-primary account into the primary account, and logging off the non-primary account. The invention can effectively solve the problem of account repeated registration in the current application account system, avoid the chaos of the account system, simplify the account management, reduce the authentication processing cost and reduce the leakage of user information. But the above scheme cannot realize efficient management of the account.
Disclosure of Invention
Aiming at the defects in the prior art, the invention aims to provide an account configuration management method and system based on a payment scene.
The account configuration management method based on the payment scene comprises the following steps:
an account setting step: configuring account and account information based on the uploaded account opening message;
account accounting step: configuring a service scene according to configuration factors, and configuring an accounting instruction for the specific service scene;
accounting and checking: and checking the configured accounting instruction, performing final accounting processing if the configured accounting instruction passes the checking, not entering the accounting processing if the configured accounting instruction does not pass the checking, and informing the reason why the configured accounting instruction does not pass the checking.
Preferably, the configuration factors include any one or more of: a transaction code, a settlement period, an account identifier, or an installment identifier.
Preferably, the account opening message includes user information and market products; the account and account division information comprises account opening table names, account lending directions and account division opening table names.
Preferably, the user billing step comprises:
message analysis: analyzing the uploaded transaction message;
and a service scene configuration step: configuring a service scene according to the analyzed transaction message;
accounting step: and configuring an accounting instruction according to the service scene.
Preferably, the billing instructions comprise any one or more of the following: the target account of the bookkeeping, the account division of the bookkeeping, the bookkeeping direction, the transaction amount of the bookkeeping selection, the commission fee and the settlement amount.
The invention provides an account configuration management system based on a payment scene, which comprises the following modules:
an account setup module: configuring account and account information based on the uploaded account opening message;
the account accounting module: configuring a service scene according to configuration factors, and configuring an accounting instruction for the specific service scene;
the accounting and checking module: and checking the configured accounting instruction, performing final accounting processing if the configured accounting instruction passes the checking, not entering the accounting processing if the configured accounting instruction does not pass the checking, and informing the reason why the configured accounting instruction does not pass the checking.
Preferably, the configuration factors include any one or more of: a transaction code, a settlement period, an account identifier, or an installment identifier.
Preferably, the account opening message includes user information and market products; the account and account division information comprises account opening table names, account lending directions and account division opening table names.
Preferably, the user billing module comprises:
a message analysis module: analyzing the uploaded transaction message;
a service scene configuration module: configuring a service scene according to the analyzed transaction message;
and an accounting module: and configuring an accounting instruction according to the service scene.
Preferably, the billing instructions comprise any one or more of the following: the target account of the bookkeeping, the account division of the bookkeeping, the bookkeeping direction, the transaction amount of the bookkeeping selection, the commission fee and the settlement amount.
Compared with the prior art, the invention has the following beneficial effects:
1. the invention can realize the account and the individual account which need to be opened in a new business mode (market product) through configuration without changing codes and interfaces.
2. The invention can realize new payment type accounting service through configuration, including account credited and account sharing, accounting direction is debit or credit, and accounting amount is transaction amount or handling fee or formula.
3. The invention can configure new account balance types or individual account types. After defining new account balance type in the account opening configuration parameter. In the accounting configuration, if a newly added balance type/an individual account type needs to be recorded, only configuration is needed, and the system reflects a specific database field according to the configuration type to perform accounting operation without modifying a program.
Drawings
Other features, objects and advantages of the invention will become more apparent upon reading of the detailed description of non-limiting embodiments with reference to the following drawings:
fig. 1 is a flowchart of the account opening step.
Fig. 2 is a flowchart of the account billing steps.
Fig. 3 is a flowchart of an account configuration management method based on a payment scenario.
Detailed Description
The present invention will be described in detail with reference to specific examples. The following examples will assist those skilled in the art in further understanding the invention, but are not intended to limit the invention in any way. It should be noted that it would be obvious to those skilled in the art that various changes and modifications can be made without departing from the spirit of the invention. All falling within the scope of the present invention.
As shown in fig. 1 to fig. 3, according to the account configuration management method and system based on payment scenarios provided by the present invention, logics such as account opening and accounting in each service scenario are implemented in a pure configuration manner. And the configuration of opening different account groups under respective service scenes is realized through account and individual configuration. Through the step-by-step configuration of the service scene and the accounting, the fast accounting support under various payment scenes is provided. The high configuration implementation scheme effectively reduces the modification rate of a system source code when a new service is accessed, strengthens the implementation of an Open-Closed Principle (Open-Closed Principle) in a phase change manner, and more effectively ensures the stability of the system under the continuous development along with the service, thereby effectively improving the rapid expansibility and stability of the service.
Specifically, the method comprises the following steps:
an account setting step: configuring account and account information based on the uploaded account opening message;
account accounting step: configuring a service scene according to configuration factors, and configuring an accounting instruction for the specific service scene;
accounting and checking: and checking the configured accounting instruction, performing final accounting processing if the configured accounting instruction passes the checking, not entering the accounting processing if the configured accounting instruction does not pass the checking, and informing the reason why the configured accounting instruction does not pass the checking.
Further, the configuration factors include any one or more of: a transaction code, a settlement period, an account identifier, or an installment identifier.
Further, the account opening message comprises user information and market products; the account and account division information comprises account opening table names, account lending directions and account division opening table names.
Further, the user billing step includes:
message analysis: analyzing the uploaded transaction message;
and a service scene configuration step: configuring a service scene according to the analyzed transaction message;
accounting step: and configuring an accounting instruction according to the service scene.
Preferably, the billing instructions comprise any one or more of the following: the target account of the bookkeeping, the account division of the bookkeeping, the bookkeeping direction, the transaction amount of the bookkeeping selection, the commission fee and the settlement amount.
The invention provides an account configuration management system based on a payment scene, which comprises the following modules:
an account setup module: configuring account and account information based on the uploaded account opening message;
the account accounting module: configuring a service scene according to configuration factors, and configuring an accounting instruction for the specific service scene;
the accounting and checking module: and checking the configured accounting instruction, performing final accounting processing if the configured accounting instruction passes the checking, not entering the accounting processing if the configured accounting instruction does not pass the checking, and informing the reason why the configured accounting instruction does not pass the checking.
Further, the configuration factors include any one or more of: a transaction code, a settlement period, an account identifier, or an installment identifier.
Further, the account opening message comprises user information and market products; the account and account division information comprises account opening table names, account lending directions and account division opening table names.
Further, the user billing module comprises:
a message analysis module: analyzing the uploaded transaction message;
a service scene configuration module: configuring a service scene according to the analyzed transaction message;
and an accounting module: and configuring an accounting instruction according to the service scene.
Further, the billing instructions include any one or more of the following: the target account of the bookkeeping, the account division of the bookkeeping, the bookkeeping direction, the transaction amount of the bookkeeping selection, the commission fee and the settlement amount.
More specifically, the efficient account configuration management method of the present invention includes: account parameter configuration, individual account parameter configuration, service scene configuration and accounting step configuration.
The account setup configuration and account billing configuration can be distinguished from two major business areas.
And account parameter configuration and individual account parameter configuration form account setup configuration for realizing account setup service configuration. The configuration parameters comprise the types of accounts to be opened in a certain service scene (market product), which tables the accounts are opened to the database, the loan direction of the accounts, and the types of sub-households (in transit, wind control freezing, service freezing and the like) to be opened.
The configuration of the business scenario and the configuration of the accounting step form account accounting configuration which is used for designing account accounting configuration. And the service scene configuration comprises each service scene configuration according to the transaction code, the settlement period, the account division mark and the staging mark. Each specific service scenario configuration corresponds to 1 or N billing step configurations. The configuration of the accounting step comprises an accounting step, an accounting direction, which account is credited, an accounting amount selects a transaction amount, a commission charge and the like.
Further, the invention uses a methodology of field-driven design to organize configured transaction scenarios and accounting instructions, thereby realizing efficient management of accounts in complex payment scenarios, specifically as follows:
1. and (3) transaction scene configuration: after the transaction order enters the system, transaction scenarios are retrieved according to configuration elements (transaction type, en route, S0, guarantee, ledger, etc.), and accounting codes are defined for each type of transaction scenario.
2. And (3) accounting instruction configuration: and the accounting code is transmitted to enter an accounting instruction generation sub-process. Through the configuration of the accounting process and the accounting configuration of the commission charge, a specific accounting amount field (transaction amount, commission charge and the like) and an accounting balance field (balance fields corresponding to the account, such as on-the-way, wind control freezing, flowing and the like) are selected, and meanwhile, the debit and credit direction is confirmed through the accounting configuration.
3. Accounting syndrome flow: the accounting checking sub-process receives the accounting command generation sub-process which generates the accounting command (comprising the accounting code, the account balance field, the accounting amount and the loan direction) according to the configuration. And the checking sub-process utilizes the rule engine to carry out rule checking configuration on each accounting code. For example, the cash transaction billing amount must be less than or equal to the account liquidity. And the checking sub-process verifies the passing accounting command and sends the accounting command to the accounting sub-process for final accounting processing. And returning the instruction which fails to pass the verification to the last sub-process, and informing the reason of the failure of the verification.
The above process strengthens the implementation of an Open-close Principle (Open-Closed Principle) by defining the configuration of a transaction scene, the configuration of an accounting instruction and the configuration of an accounting check rule, and effectively reduces the modification rate of a system source code when a new service is accessed. The efficient account management purpose that the business code is slightly modified or even not modified when a new business type transaction accesses the system is achieved.
The invention adopts the technology similar to the workflow engine algorithm, and the account bookkeeping scene is continuously increased under the diversified payment scene. According to the design, the personalized accounting scheme is customized according to different service demands through the configurable accounting branch scene without modifying the service flow, so that the modification of system codes is reduced, and even the code modification rate is 0%.
In the description of the present application, it is to be understood that the terms "upper", "lower", "front", "rear", "left", "right", "vertical", "horizontal", "top", "bottom", "inner", "outer", and the like indicate orientations or positional relationships based on those shown in the drawings, and are only for convenience in describing the present application and simplifying the description, but do not indicate or imply that the referred device or element must have a specific orientation, be constructed in a specific orientation, and be operated, and thus, should not be construed as limiting the present application.
The foregoing description of specific embodiments of the present invention has been presented. It is to be understood that the present invention is not limited to the specific embodiments described above, and that various changes or modifications may be made by one skilled in the art within the scope of the appended claims without departing from the spirit of the invention. The embodiments and features of the embodiments of the present application may be combined with each other arbitrarily without conflict.

Claims (10)

1. An account configuration management method based on payment scenes is characterized by comprising the following steps:
an account setting step: configuring account and account information based on the uploaded account opening message;
account accounting step: configuring a service scene according to configuration factors, and configuring an accounting instruction for the specific service scene;
accounting and checking: and checking the configured accounting instruction, performing final accounting processing if the configured accounting instruction passes the checking, not entering the accounting processing if the configured accounting instruction does not pass the checking, and informing the reason why the configured accounting instruction does not pass the checking.
2. The payment scenario-based account configuration management method of claim 1, wherein the configuration factor comprises any one or more of the following: a transaction code, a settlement period, an account identifier, or an installment identifier.
3. The payment scenario-based account configuration management method of claim 1, wherein the account opening message includes user information and market products; the account and account division information comprises account opening table names, account lending directions and account division opening table names.
4. The payment scenario-based account configuration management method of claim 1, wherein the user billing step comprises:
message analysis: analyzing the uploaded transaction message;
and a service scene configuration step: configuring a service scene according to the analyzed transaction message;
accounting step: and configuring an accounting instruction according to the service scene.
5. The payment scenario-based account configuration management method of claim 1 or 4, wherein the billing instruction comprises any one or more of the following: the target account of the bookkeeping, the account division of the bookkeeping, the bookkeeping direction, the transaction amount of the bookkeeping selection, the commission fee and the settlement amount.
6. An account configuration management system based on payment scenes is characterized by comprising the following modules:
an account setup module: configuring account and account information based on the uploaded account opening message;
the account accounting module: configuring a service scene according to configuration factors, and configuring an accounting instruction for the specific service scene;
the accounting and checking module: and checking the configured accounting instruction, performing final accounting processing if the configured accounting instruction passes the checking, not entering the accounting processing if the configured accounting instruction does not pass the checking, and informing the reason why the configured accounting instruction does not pass the checking.
7. The payment scenario-based account configuration management system of claim 6, wherein the configuration factors include any one or more of: a transaction code, a settlement period, an account identifier, or an installment identifier.
8. The payment scenario-based account configuration management system of claim 6, wherein the account opening message includes user information and market products; the account and account division information comprises account opening table names, account lending directions and account division opening table names.
9. The payment scenario-based account configuration management system of claim 6, wherein the user billing module comprises:
a message analysis module: analyzing the uploaded transaction message;
a service scene configuration module: configuring a service scene according to the analyzed transaction message;
and an accounting module: and configuring an accounting instruction according to the service scene.
10. The payment scenario-based account configuration management system of claim 6 or 9, wherein the billing instructions comprise any or any of the following: the target account of the bookkeeping, the account division of the bookkeeping, the bookkeeping direction, the transaction amount of the bookkeeping selection, the commission fee and the settlement amount.
CN202110120122.4A 2021-01-28 2021-01-28 Account configuration management method and system based on payment scene Pending CN112801648A (en)

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Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2260481A1 (en) * 1998-01-26 1999-07-26 Citibank Canada A method and system for general accounting generation for common sub ledger processing
CA2373950A1 (en) * 2002-02-26 2003-08-26 Ontain Corporation Method for establishing an electronic commerce account
CN103942660A (en) * 2014-05-12 2014-07-23 深圳市德永信企业管理咨询有限公司 Agency account service system
CN104574189A (en) * 2015-02-05 2015-04-29 中国农业银行股份有限公司 Financial-transaction monitoring method and device
CN107769922A (en) * 2017-10-31 2018-03-06 捷德(中国)信息科技有限公司 Block chain safety management system and method
CN108171597A (en) * 2017-12-27 2018-06-15 福建省农村信用社联合社 A kind of bank's billing and accounting system assembly method that fastext is supported to respond and system
CA3007992A1 (en) * 2017-06-13 2018-12-13 Justina-Miruna Vintila System and method for location-based token transaction processing
CN109493205A (en) * 2018-10-16 2019-03-19 深圳壹账通智能科技有限公司 Intelligent bookkeeping methods, computer readable storage medium and terminal device

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2260481A1 (en) * 1998-01-26 1999-07-26 Citibank Canada A method and system for general accounting generation for common sub ledger processing
CA2373950A1 (en) * 2002-02-26 2003-08-26 Ontain Corporation Method for establishing an electronic commerce account
CN103942660A (en) * 2014-05-12 2014-07-23 深圳市德永信企业管理咨询有限公司 Agency account service system
CN104574189A (en) * 2015-02-05 2015-04-29 中国农业银行股份有限公司 Financial-transaction monitoring method and device
CA3007992A1 (en) * 2017-06-13 2018-12-13 Justina-Miruna Vintila System and method for location-based token transaction processing
CN107769922A (en) * 2017-10-31 2018-03-06 捷德(中国)信息科技有限公司 Block chain safety management system and method
CN108171597A (en) * 2017-12-27 2018-06-15 福建省农村信用社联合社 A kind of bank's billing and accounting system assembly method that fastext is supported to respond and system
CN109493205A (en) * 2018-10-16 2019-03-19 深圳壹账通智能科技有限公司 Intelligent bookkeeping methods, computer readable storage medium and terminal device

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