CN113034125A - Transaction account separating method and system - Google Patents

Transaction account separating method and system Download PDF

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Publication number
CN113034125A
CN113034125A CN202110348857.2A CN202110348857A CN113034125A CN 113034125 A CN113034125 A CN 113034125A CN 202110348857 A CN202110348857 A CN 202110348857A CN 113034125 A CN113034125 A CN 113034125A
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China
Prior art keywords
accounting
clearing
transaction
branch
running water
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CN202110348857.2A
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Chinese (zh)
Inventor
赵俊权
吴海波
陈志杰
王敏
郭倩
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Yinsheng Payment Service Co Ltd
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Yinsheng Payment Service Co Ltd
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Priority to CN202110348857.2A priority Critical patent/CN113034125A/en
Publication of CN113034125A publication Critical patent/CN113034125A/en
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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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides a transaction accounting method and a transaction accounting system, wherein the transaction accounting method comprises the following steps: s1, the merchant side system sends a request to the service system and opens the branch account authority; s2, the merchant side system sends a separate accounting request to the separate accounting system, and the separate accounting system processes transaction running water and clearing running water returned by the clearing system; s3, the accounting system processes the accounts of the accounting system and synchronizes the accounts to the clearing system; s4, the clearing system synchronously splits the clearing running water and carries out clearing treatment according to the split clearing running water; and S5, the accounting system asynchronously informs the final accounting result to the merchant side system, the merchant side system returns the receiving result to the accounting system after receiving the final accounting result, and the transaction accounting is completed. The fund in the account separating process is prevented from falling to the ground, a compliant account separating product is provided for the merchant, and the merchant is assisted to avoid the settlement risk of the fund.

Description

Transaction account separating method and system
Technical Field
The invention relates to the technical field of payment, in particular to a transaction accounting method and a transaction accounting system.
Background
With the development of enterprises and the promotion of internet processes, the requirements of related business ports on third-party payment and branch account businesses are more urgent, at present, each business needs to be automatically connected with a third-party business platform, so that the payment and branch account processes are more complicated, and since 2017, the state issues methods such as 'bank card receipt business management method', notification about further strengthening the regulation work of the unlicensed business payment business and the like to strictly strike against the behavior of paying 'second clear', and enterprises such as internet e-commerce, closed parks, market large-scale enterprises and the like which originally need a unified product to help enterprise business upgrade through a centralized cash collecting mode urgently, so that the potential 'second clear' risk operation in the original business is eliminated, the business is developed to the unified operation, and the fund clearing risk is avoided.
Disclosure of Invention
In order to overcome the defects of the prior art, the invention provides a transaction accounting method and a transaction accounting system, so as to solve the technical problems.
The technical method for solving the technical problem is as follows: in a transaction reconciliation method, the improvement comprising: the method comprises the following steps: s1, the merchant side system sends a request to the service system and opens the branch account authority; s2, the merchant side system sends a separate accounting request to the separate accounting system, and the separate accounting system processes transaction running water and clearing running water returned by the clearing system; s3, the accounting system processes the accounts of the accounting system and synchronizes the accounts to the clearing system; s4, the clearing system synchronously splits the clearing running water and carries out clearing treatment according to the split clearing running water; and S5, the accounting system asynchronously informs the final accounting result to the merchant side system, the merchant side system returns the receiving result to the accounting system after receiving the final accounting result, and the transaction accounting is completed.
In the above method, the step S1 includes the following steps:
s11, the merchant side system sends a request for opening the branch account authority to the service system;
s12, the service system receives the request and configures;
and S13, the business system returns the configuration result to the merchant side system.
In the above method, the step S2 includes the following steps:
s21, the merchant side system sends a separate accounting request to the separate accounting system;
s22, the accounting system receives the accounting request, checks and creates an accounting order;
s23, the accounting system processes the transaction running water to complete pre-accounting;
and S24, the accounting system processes the clearing running water.
In the above method, the step S23 includes the following steps:
s231, the accounting system acquires transaction running water from the clearing system;
s232, the clearing system returns the transaction flow to the accounting system;
s233, the branch accounting system matches the transaction flow information, judges whether the transaction allows the branch accounting according to the branch accounting rule, if the transaction allows the branch accounting, the branch accounting system performs pre-splitting registration according to the branch accounting rule, records the branch accounting information, and jumps to the step S234; if the account splitting is not allowed, directly jumping to the step S234;
and S234, the account distribution system returns the pre-account distribution result to the merchant side system, and the account distribution registration process is finished.
In the above method, the step S24 includes the following steps:
s241, the accounting system acquires clearing running water from the clearing system at regular time;
s242, the clearing system returns clearing running water to the branch accounting system;
and S243, the accounting system splits the clearing flow according to the requirement of the accounting request of the merchant side system.
In the above method, the step S3 includes the following steps:
s31, the accounting system splits accounts in the accounting system according to the split clearing assembly line;
s32, the accounting system returns the data of the accounting processing result to the accounting system;
and S33, the accounting system synchronizes the data to the clearing system.
The invention also provides a transaction accounting system, which is characterized in that: comprises a merchant side system, a business system, an account separating system, an accounting system and a clearing system,
the merchant side system is connected with the business system and used for initiating a request to the business system and opening the account division authority;
the merchant side system is connected with the branch accounting system and used for initiating a branch accounting request to the branch accounting system, receiving a final branch accounting result and returning the receiving result to the branch accounting system;
the accounting system is connected with the clearing system and is used for processing the transaction flow and the clearing flow returned by the clearing system and synchronizing the data of the financial processing result to the clearing system;
the accounting system is connected with the accounting system and used for processing the accounting of the accounting system.
The invention has the beneficial effects that: the fund does not fall to the ground in the account separating process, a compliant account separating product is provided for the merchant, and the merchant is assisted to avoid the settlement risk of the fund; modes such as background account distribution, interface account distribution and the like are supported, different account distribution services are provided according to different business scenes and technical strength of merchants, and requirements of different scenes of the merchants are met.
Drawings
FIG. 1 is a flow chart of a transaction billing method 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, a transaction billing method of the present invention includes the following steps:
s1, the merchant side system sends a request for opening the branch account authority to the service system; the service system receives the request and configures; the business system returns the configuration result to the merchant side system, and the merchant opens the account division function and has account division authority.
S2, the merchant side system sends a separate accounting request to the separate accounting system, and the separate accounting system processes transaction running water and clearing running water returned by the clearing system;
specifically, the method comprises the following steps:
s21, the merchant side system sends a separate accounting request to the separate accounting system;
s22, the accounting system receives the accounting request, checks and creates an accounting order;
s23, the account distribution system processes the transaction running water to complete pre-account distribution, the account distribution system supports two modes of background account distribution and interface account distribution, when the background account distribution mode is adopted, the account distribution system is provided with an operation background, an operator can input the account distribution proportion into the operation background according to contract agreement, and subsequent transactions of a merchant are distributed according to the input rule of the operation background; in the interface account-separating mode, the account-separating system supports the system call of the commercial tenant side, supports the commercial tenant to register the account-separating rule of each order according to the interface call, and concretely, processes the transaction flow according to the following steps: s231, the accounting system acquires transaction running water from the clearing system; s232, the clearing system returns the transaction flow to the accounting system; s233, the branch accounting system matches the transaction flow information, and the branch accounting system judges whether the transaction participates in the branch accounting according to the background entry rule or the interface calling rule, if the branch accounting is allowed, the system performs pre-splitting registration according to the branch accounting rule, records the branch accounting information, and jumps to S234; if the account splitting is not allowed, directly jumping to the step S234; s234, the ledger system returns a pre-ledger result to the merchant side system to finish the ledger registration process;
s24, the accounting system processes the clearing running water, specifically, the clearing running water is processed according to the following steps: s241, the accounting system acquires clearing running water from the clearing system at regular time; s242, the clearing system returns clearing running water to the branch accounting system; and S243, the accounting system splits the clearing flow according to the requirement of the accounting request of the merchant side system.
S3, the accounting system splits accounts in the accounting system according to the split clearing flow; the accounting system returns the data of the accounting processing result to the accounting system; the ledger system synchronizes the data to the clearing system.
And S4, the clearing system synchronously splits the clearing running water and carries out clearing treatment according to the split clearing running water.
And S5, the accounting system asynchronously informs the final accounting result to the merchant side system, the merchant side system returns the receiving result to the accounting system after receiving the final accounting result, and the transaction accounting is completed. In the whole process, the funds in the account distribution system do not fall to the ground, the platform merchant is guaranteed not to touch the funds of the merchant, and meanwhile, the account distribution system sets different wind control systems according to different business scenes of the merchant, so that the platform merchant is prevented from randomly allocating the funds of the merchant to cause the loss of the funds of the merchant; and the complicated account division processing is completed by taking the account division system as a core, and the account division system is expandable, so that the account division service can be expanded and optimized by the account division system according to different service scenes.
The invention also provides a transaction accounting system, which is characterized in that: comprises a merchant side system, a business system, an account separating system, an accounting system and a clearing system,
the merchant side system is connected with the business system and used for initiating a request to the business system and opening the account division authority;
the merchant side system is connected with the branch accounting system and used for initiating a branch accounting request to the branch accounting system, receiving a final branch accounting result and returning the receiving result to the branch accounting system;
the accounting system is connected with the clearing system and is used for processing the transaction flow and the clearing flow returned by the clearing system and synchronizing the data of the financial processing result to the clearing system;
the accounting system is connected with the accounting system and used for processing the accounting of the accounting system.
The invention realizes that the fund does not fall to the ground in the account separating process, provides a compliant account separating product for the merchant and assists the merchant to avoid the settlement risk of the fund; modes such as background account distribution, interface account distribution and the like are supported, different account distribution services are provided according to different business scenes and technical strength of merchants, and requirements of different scenes of the merchants are met.
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 (7)

1. A transaction billing method is characterized in that: the method comprises the following steps:
s1, the merchant side system sends a request to the service system and opens the branch account authority;
s2, the merchant side system sends a separate accounting request to the separate accounting system, and the separate accounting system processes transaction running water and clearing running water returned by the clearing system;
s3, the accounting system processes the accounts of the accounting system and synchronizes the accounts to the clearing system;
s4, the clearing system synchronously splits the clearing running water and carries out clearing treatment according to the split clearing running water;
and S5, the accounting system asynchronously informs the final accounting result to the merchant side system, the merchant side system returns the receiving result to the accounting system after receiving the final accounting result, and the transaction accounting is completed.
2. A transaction accounting method as claimed in claim 1 wherein: the step S1 includes the following steps:
s11, the merchant side system sends a request for opening the branch account authority to the service system;
s12, the service system receives the request and configures;
and S13, the business system returns the configuration result to the merchant side system.
3. A transaction accounting method as claimed in claim 2 wherein: the step S2 includes the following steps:
s21, the merchant side system sends a separate accounting request to the separate accounting system;
s22, the accounting system receives the accounting request, checks and creates an accounting order;
s23, the accounting system processes the transaction running water to complete pre-accounting;
and S24, the accounting system processes the clearing running water.
4. A transaction accounting method as claimed in claim 3 wherein: the step S23 includes the following steps:
s231, the accounting system acquires transaction running water from the clearing system;
s232, the clearing system returns the transaction flow to the accounting system;
s233, the branch accounting system matches the transaction flow information, judges whether the transaction allows the branch accounting according to the branch accounting rule, if the transaction allows the branch accounting, the branch accounting system performs pre-splitting registration according to the branch accounting rule, records the branch accounting information, and jumps to the step S234; if the account splitting is not allowed, directly jumping to the step S234;
and S234, the account distribution system returns the pre-account distribution result to the merchant side system, and the account distribution registration process is finished.
5. A transaction accounting method as claimed in claim 4 wherein: the step S24 includes the following steps:
s241, the accounting system acquires clearing running water from the clearing system at regular time;
s242, the clearing system returns clearing running water to the branch accounting system;
and S243, the accounting system splits the clearing flow according to the requirement of the accounting request of the merchant side system.
6. A transaction accounting method as claimed in claim 5 wherein: the step S3 includes the following steps:
s31, the accounting system splits accounts in the accounting system according to the split clearing assembly line;
s32, the accounting system returns the data of the accounting processing result to the accounting system;
and S33, the accounting system synchronizes the data to the clearing system.
7. A transaction ledger system characterized by: comprises a merchant side system, a business system, an account separating system, an accounting system and a clearing system,
the merchant side system is connected with the business system and used for initiating a request to the business system and opening the account division authority;
the merchant side system is connected with the branch accounting system and used for initiating a branch accounting request to the branch accounting system, receiving a final branch accounting result and returning the receiving result to the branch accounting system;
the accounting system is connected with the clearing system and is used for processing the transaction flow and the clearing flow returned by the clearing system and synchronizing the data of the financial processing result to the clearing system;
the accounting system is connected with the accounting system and used for processing the accounting of the accounting system.
CN202110348857.2A 2021-03-31 2021-03-31 Transaction account separating method and system Withdrawn CN113034125A (en)

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CN202110348857.2A CN113034125A (en) 2021-03-31 2021-03-31 Transaction account separating method and system

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Application Number Priority Date Filing Date Title
CN202110348857.2A CN113034125A (en) 2021-03-31 2021-03-31 Transaction account separating method and system

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113781033A (en) * 2021-09-27 2021-12-10 中国银行股份有限公司 Account separating method and device

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113781033A (en) * 2021-09-27 2021-12-10 中国银行股份有限公司 Account separating method and device

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Application publication date: 20210625