CN113052673B - Account checking and clearing method and device, computer equipment and storage medium - Google Patents
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Abstract
The invention discloses a reconciliation clearing method, a device, computer equipment and a storage medium, and belongs to the field of big data. According to the account checking and clearing method, the account checking and clearing can be carried out on the corresponding second transaction information and the first transaction information corresponding to the second transaction information according to the difference of clearing modes of the collected second transaction information of the merchant terminals, so that the purpose of automatically adopting the account checking and clearing for various merchant terminals based on different clearing modes is achieved, the clearing efficiency is improved, and the application range is wider.
Description
Technical Field
The present invention relates to the field of big data, and in particular, to a method, an apparatus, a computer device, and a storage medium for checking and clearing.
Background
The credit card equity refers to the subsidiary benefits of members (such as video website members), airport pick-up machines, free insurance, gifts (such as draw-bar boxes and tickets) and the like which are presented to card users after the credit card is processed. At present, the management of credit card rights by banks mainly depends on manual management, and due to the fact that the number of merchants providing credit card rights is numerous, the types of calculation modes are numerous, all merchants providing rights and interests products need to be checked one by one, and due to the fact that the calculation modes of different rights and interests products may be different, account checking and clearing are needed to be carried out respectively according to different calculation modes, the existing clearing method has the limitation that only a single calculation mode can be adopted for clearing a specific merchant, and clearing cannot be carried out according to different calculation modes for multiple merchants, and the clearing method is single.
Disclosure of Invention
Aiming at the problem that the existing clearing method is limited to only adopting a single calculation mode for clearing, the invention provides a checking clearing method, a checking clearing device, computer equipment and a storage medium which aim to adopt checking clearing for various merchant terminals based on different clearing modes.
The invention provides a checking and clearing method, which comprises the following steps:
collecting first transaction information of a user terminal, and recording the first transaction information;
collecting second transaction information associated with a clearing mode of a merchant terminal, and recording the second transaction information;
checking and clearing the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode, wherein the clearing mode comprises the following steps: real-time mode, pay-as-you-pay mode, and pay-as-you-pay mode.
Optionally, the first transaction information includes: a pricing identification corresponding to a pricing model and first transaction data, the second transaction information comprising: a mode identification and second transaction data corresponding to the clearing mode;
checking and clearing the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode, wherein the checking and clearing comprises the following steps:
Identifying a mode identifier in the second transaction information, and selecting a corresponding clearing mode according to the mode identifier;
Identifying a pricing identifier in the first transaction information corresponding to the second transaction information, and selecting a corresponding pricing model according to the pricing identifier, wherein the pricing model comprises the following steps: dispatch pricing model and usage pricing model;
And checking and clearing the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information.
Optionally, the checking and clearing the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information includes:
when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the dispatch pricing mode, carrying out real-time accounting clearing on the first transaction data in the first transaction information corresponding to the second transaction information according to the second transaction data in the second transaction information;
And when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the use pricing mode, monitoring the use data of the first transaction information, and carrying out real-time account checking clearing on the first transaction data in the first transaction information and the second transaction data in the second transaction information corresponding to the first transaction information according to the use data.
Optionally, the checking and clearing the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information includes:
When the clearing mode corresponding to the second transaction information is the collecting payment mode and the pricing mode of the first transaction information is the dispatching pricing mode, carrying out payment transaction based on the first transaction data in the first transaction information and carrying out collecting transaction based on the second transaction data in the second transaction information; according to a clearing cycle associated with the clearing mode, checking and clearing payment transaction data corresponding to the second transaction information of the merchant terminal and payment transaction data corresponding to the first transaction information corresponding to the second transaction information;
And when the clearing mode corresponding to the second transaction information is the collection payment mode and the pricing mode of the first transaction information is the use price mode, carrying out payment transaction based on the first transaction data in the first transaction information, carrying out collection transaction based on the second transaction data in the second transaction information, monitoring the use data of the first transaction information according to the clearing period associated with the clearing mode, and carrying out account checking clearing on the payment transaction data corresponding to the first transaction information and the collection transaction data of the second transaction information corresponding to the first transaction information according to the use data.
Optionally, the checking and clearing the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information includes:
When the clearing mode corresponding to the second transaction information is the expense mode and the pricing mode of the first transaction information is the dispatch pricing mode, respectively counting the second transaction information of the merchant terminal and the first transaction information corresponding to the second transaction information, and when the counted second transaction data of the second transaction information meets a first preset transaction condition, clearing the accounting of the counted second transaction data and the counted first transaction data in the first transaction information;
when the clearing mode corresponding to the second transaction information is the balance mode and the pricing mode of the first transaction information is the use pricing mode, monitoring the use data of the first transaction information, respectively counting the first transaction information corresponding to the use information and the second transaction information corresponding to the first transaction information, and when the counted first transaction data of the first transaction information meets a second preset transaction condition, checking and clearing the counted second transaction data and the counted first transaction data.
Optionally, the first preset transaction condition is:
counting the second transaction data of the merchant terminal to reach a preset first transaction amount, or
And counting the transaction times of the second transaction data of the merchant terminal to reach a first time number threshold.
Optionally, the second preset transaction condition is:
The counted first transaction data reaches a preset second transaction amount, or
The counted transaction times of the first transaction data reach a second time threshold.
In order to achieve the above object, the present invention also provides a reconciliation clearing apparatus, comprising:
the first acquisition unit is used for acquiring first transaction information of the user terminal and recording the first transaction information;
The second acquisition unit is used for acquiring second transaction information associated with the clearing mode of the merchant terminal and recording the second transaction information;
A clearing unit, configured to check and clear the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode, where the clearing mode includes: real-time mode, pay-as-you-pay mode, and pay-as-you-pay mode.
To achieve the above object, the present invention also provides 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 steps of the above method when executing the computer program.
To achieve the above object, the present invention also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the above method.
According to the account checking and clearing method, the account checking and clearing device, the computer equipment and the storage medium, corresponding second transaction information and first transaction information corresponding to the second transaction information can be checked and cleared according to different clearing modes of the collected second transaction information of the merchant terminals, so that the purpose of automatically checking and clearing various merchant terminals based on different clearing modes is achieved, clearing efficiency is improved, and the application range is wider.
Drawings
FIG. 1 is a flow chart of one embodiment of a reconciliation method of the present invention;
FIG. 2 is a flow diagram of one embodiment of reconciliation of second transaction information and first transaction information in accordance with a clearing mode;
FIG. 3 is a block diagram of one embodiment of a reconciliation clearing device in accordance with the invention;
FIG. 4 is an internal block diagram of one embodiment of the clearing unit of the present invention;
FIG. 5 is a hardware architecture diagram of one embodiment of a computer device of the present invention.
Detailed Description
The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
It should be noted that, without conflict, the embodiments of the present invention and features of the embodiments may be combined with each other.
The account checking and clearing method, the device, the computer equipment and the storage medium provided by the invention are suitable for the field of financial business, such as account checking list of credit card equity. According to the invention, corresponding second transaction information and first transaction information corresponding to the second transaction information can be checked and cleared according to different clearing modes of the acquired second transaction information of the merchant terminal, so that the aim of checking and clearing various merchant terminals based on different clearing modes is fulfilled, the clearing efficiency is improved, and the application range is wider.
Example 1
Referring to fig. 1, a reconciliation method of the present embodiment may include the steps of:
S1, collecting first transaction information of a user terminal, and recording the first transaction information.
Wherein the first transaction information includes: a pricing identification corresponding to the pricing model and first transaction data. The first transaction data may include: the first transaction amount, the first transaction time, the first transaction number, the first order number, and the like.
By way of example and not limitation, the first transaction information of the user terminal corresponding to the different equity items based on the credit card may be video website membership authorization transaction information, airport pickup/delivery transaction information, insurance transaction information, gift (e.g., ticket or draw-bar box, etc.) transaction information, and the like.
In this embodiment, the first transaction information is stored in the first reconciliation task table.
It should be emphasized that, to further ensure the privacy and security of the first transaction information, the first transaction information may also be stored in a node of a blockchain.
The account checking and clearing method is mainly applied to clearing management of credit card equity items. The user using the credit card performs a corresponding credit card equity transaction through the user terminal. The pricing identification corresponds to a pricing model, which may include a dispatch pricing model and a usage pricing model. Wherein, the dispatch pricing model is that the merchant terminal dispatches the equity products to the user terminal, namely, the transaction (such as the presentation of tickets, video website members, etc.) occurs at the user terminal; the price calculating mode is used for distributing the right items to the merchant terminal and the user terminal, and the user terminal generates transaction information (such as airport receiving/sending ticket) when using the right products.
S2, collecting second transaction information associated with the clearing mode of the merchant terminal, and recording the second transaction information.
Wherein the second transaction information includes: a mode identification corresponding to the clearing mode and second transaction data. The second transaction data may include: the second transaction amount, the second transaction time, the second transaction number, the second order number, and the like. The clearing mode includes: real-time mode, pay-as-you-pay mode, and pay-as-you-pay mode.
In this embodiment, the second transaction information is stored in the second reconciliation task table.
It should be emphasized that, to further ensure the privacy and security of the second transaction information, the second transaction information may also be stored in a node of a blockchain.
In this embodiment, the merchant terminal is a merchant platform (such as a video website platform, a dispatch/delivery platform, an insurance platform, a merchant platform for providing gifts, etc.) for providing credit card benefits, and generates the second transaction information when the merchant terminal sends/provides credit card benefit products to the user terminal. The real-time mode is real-time clearing, and if the merchant terminal sends the second transaction information, clearing is performed in real time; the collection and payment mode is that the middle platform receives the rights and interests products provided by the merchant terminal instead, and the middle platform pays the corresponding rights and interests products to the user terminal; and the balance mode is to count the second transaction information generated by the merchant terminal/the first transaction information generated by the user terminal, and to conduct unified clearing when the preset transaction conditions are reached.
S3, checking and clearing the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode.
Further, referring to fig. 2, step S3 may include the steps of:
S31, identifying a mode identifier in the second transaction information, and selecting a corresponding clearing mode according to the mode identifier.
S32, identifying a pricing identifier in the first transaction information corresponding to the second transaction information, and selecting a corresponding pricing model according to the pricing identifier.
Wherein the pricing model comprises: dispatch pricing model and usage pricing model.
S33, checking and clearing the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information.
In this embodiment, when checking and clearing is performed, the second transaction number and the second order number in the second transaction information may be respectively matched with the first transaction number and the first order number in the first transaction information, so as to obtain first transaction data corresponding to the second transaction data, thereby checking and clearing the transaction data.
In an embodiment, when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the dispatch pricing mode, step S33 may include: and carrying out real-time reconciliation clearing on the first transaction data in the first transaction information corresponding to the second transaction information according to the second transaction data in the second transaction information.
Specifically, when the clearing mode of the second transaction information is a real-time mode and the first transaction information corresponding to the second transaction information is a dispatch pricing mode, the second transaction information in the second reconciliation task table and the corresponding first transaction information in the first reconciliation task table can be reconciled in real time, so that the effect of real-time clearing is achieved.
In an embodiment, when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the usage pricing mode, step S33 may include: and monitoring the use data of the first transaction information, and performing real-time reconciliation clearing on the first transaction data in the first transaction information and the second transaction data in the second transaction information corresponding to the first transaction information according to the use data.
In this embodiment, the usage data is the usage status of the received benefit product by the user terminal, including both unused and used status.
Specifically, when the clearing mode of the second transaction information is a real-time mode and the first transaction information corresponding to the second transaction information is a use price calculating mode, monitoring the use data of the first transaction information, and when the use data is in a use condition, carrying out checking clearing on the corresponding first transaction information in the first checking task table and the corresponding second transaction information in the second checking task table in real time; if the usage data is in the unused state, the user terminal is indicated to enjoy the equity product, and no account checking clearing is performed.
In an embodiment, when the clearing mode corresponding to the second transaction information is the payment-for-receipt mode and the pricing mode of the first transaction information is the dispatch pricing mode, step S33 may include: conducting a payment transaction based on the first transaction data in the first transaction information and conducting a cash collection transaction based on the second transaction data in the second transaction information; and according to a clearing period associated with the clearing mode, checking and clearing the collection transaction data corresponding to the second transaction information of the merchant terminal and the payment transaction of the first transaction information corresponding to the second transaction information.
Specifically, when the clearing mode of the second transaction information is a collection payment mode and the first transaction information corresponding to the second transaction information is a dispatch payment mode, a payment transaction (payment) can be performed according to the first transaction data in the first transaction information, the payment transaction data of the payment is stored in a payment task table, a collection transaction (collection) is performed based on the second transaction data in the second transaction information, the collection transaction data of the collection is stored in a collection task table, and when the clearing period is reached, the payment transaction data in the collection task table and the corresponding collection transaction data in the collection task table are subjected to account checking.
In an embodiment, when the clearing mode corresponding to the second transaction information is the payment-for-payment mode and the pricing mode of the first transaction information is the usage pricing mode, step S33 may include: and carrying out payment transaction based on the first transaction data in the first transaction information, carrying out collection transaction based on the second transaction data in the second transaction information, monitoring the use data of the first transaction information according to a clearing period (such as a week and a month) associated with the clearing mode, and carrying out reconciliation clearing on the payment transaction data corresponding to the first transaction information and the collection transaction data of the second transaction information corresponding to the first transaction information according to the use data.
Specifically, when the clearing mode of the second transaction information is a payment collecting and paying mode and the first transaction information corresponding to the second transaction information is a use price mode, a payment transaction (payment substituting) can be performed according to the first transaction data in the first transaction information, the payment transaction data of the payment substituting is stored in a payment substituting task table, a payment collecting transaction (payment substituting) is performed based on the second transaction data in the second transaction information, and the payment collecting transaction data of the payment substituting is stored in the payment substituting task table; and monitoring the use data (unused/used) of the first transaction information, and checking and clearing the payment transaction data in the payment-substituting task table and the corresponding collection transaction data in the collection-substituting task table when the use data is in a use state.
In an embodiment, when the clearing mode corresponding to the second transaction information is the balance mode and the pricing mode of the first transaction information is the dispatch pricing mode, step S33 may include: and respectively counting second transaction information of the merchant terminal and the first transaction information corresponding to the second transaction information, and checking account and clearing first transaction data in the counted second transaction data and the counted first transaction information when the counted second transaction data of the second transaction information meets a first preset transaction condition.
It should be noted that, the first preset transaction condition is: and counting that the second transaction data of the merchant terminal reaches a preset first transaction amount or counting that the transaction times of the second transaction data of the merchant terminal reach a first time threshold.
Specifically, when the clearing mode of the second transaction information is the balance mode and the first transaction information corresponding to the second transaction information is the dispatch price mode, the second transaction information in the second reconciliation task table of the merchant terminal is counted, when the second transaction information meets the first preset transaction condition, the first transaction information corresponding to the first reconciliation task table and the second transaction information is counted, and the counted transaction information in the second reconciliation task table and the transaction information in the first reconciliation task table are subjected to reconciliation clearing, so that the effect of batch reconciliation clearing is achieved.
In an embodiment, when the clearing mode corresponding to the second transaction information is the balance mode and the pricing mode of the first transaction information is the usage pricing mode, step S33 may include: and monitoring the use data of the first transaction information, respectively counting the first transaction information corresponding to the use information and the second transaction information corresponding to the first transaction information, and checking and clearing the counted second transaction data and the counted first transaction data when the counted first transaction data of the first transaction information meets a second preset transaction condition.
It should be noted that, the second preset transaction condition is: the counted first transaction data reaches a preset second transaction amount, or the counted transaction times of the first transaction data reach a second time threshold.
Specifically, when the clearing mode of the second transaction information is the balance mode and the first transaction information corresponding to the second transaction information is the use price mode, the use state of each first transaction information is monitored, the first transaction information in the use state in the first reconciliation task table is counted, meanwhile, the second transaction information corresponding to the first transaction information in the use state in the second reconciliation task table is counted, and when the counted first transaction information meets the second preset transaction condition, the counted transaction information in the first reconciliation task table and the counted transaction information in the second reconciliation task table are subjected to reconciliation, so that the effect of batch reconciliation clearing is achieved.
According to the account checking and clearing method in the embodiment, the account checking and clearing can be carried out on the corresponding second transaction information and the first transaction information corresponding to the second transaction information according to the difference of clearing modes of the collected second transaction information of the merchant terminals, so that the purpose of automatically adopting the account checking and clearing for various merchant terminals based on different clearing modes is achieved, the clearing efficiency is improved, and the application range is wider. The invention realizes unified system management and control by standardizing and standardizing the transaction flow of the equity products, improves the clearing efficiency, shortens the reconciliation flow, reduces the labor cost and is convenient for data tracking.
Example two
Referring to fig. 3, a reconciliation clearing device 1 of the present embodiment includes: a first acquisition unit 11, a second acquisition unit 12 and a clearing unit 13.
The first collecting unit 11 is configured to collect first transaction information of the user terminal, and record the first transaction information.
Wherein the first transaction information includes: a pricing identification corresponding to the pricing model and first transaction data. The first transaction data may include: the first transaction amount, the first transaction time, the first transaction number, the first order number, and the like.
By way of example and not limitation, the first transaction information of the user terminal corresponding to the different equity items based on the credit card may be video website membership authorization transaction information, airport pickup/delivery transaction information, insurance transaction information, gift (e.g., ticket or draw-bar box, etc.) transaction information, and the like.
In this embodiment, the first transaction information is stored in the first reconciliation task table.
It should be emphasized that, to further ensure the privacy and security of the first transaction information, the first transaction information may also be stored in a node of a blockchain.
The account clearing device 1 is mainly applied to clearing management of credit card equity items. The user using the credit card performs a corresponding credit card equity transaction through the user terminal. The pricing identification corresponds to a pricing model, which may include a dispatch pricing model and a usage pricing model. Wherein, the dispatch pricing model is that the merchant terminal dispatches the equity products to the user terminal, namely, the transaction (such as the presentation of tickets, video website members, etc.) occurs at the user terminal; the price calculating mode is used for distributing the right items to the merchant terminal and the user terminal, and the user terminal generates transaction information (such as airport receiving/sending ticket) when using the right products.
And a second collecting unit 12, configured to collect second transaction information associated with the clearing mode of the merchant terminal, and record the second transaction information.
Wherein the second transaction information includes: a mode identification corresponding to the clearing mode and second transaction data. The second transaction data may include: the second transaction amount, the second transaction time, the second transaction number, the second order number, and the like. The clearing mode includes: real-time mode, pay-as-you-pay mode, and pay-as-you-pay mode.
In this embodiment, the second transaction information is stored in the second reconciliation task table.
It should be emphasized that, to further ensure the privacy and security of the second transaction information, the second transaction information may also be stored in a node of a blockchain.
In this embodiment, the merchant terminal is a merchant platform (such as a video website platform, a dispatch/delivery platform, an insurance platform, a merchant platform for providing gifts, etc.) for providing credit card benefits, and generates the second transaction information when the merchant terminal sends/provides credit card benefit products to the user terminal. The real-time mode is real-time clearing, and if the merchant terminal sends the second transaction information, clearing is performed in real time; the collection and payment mode is that the middle platform receives the rights and interests products provided by the merchant terminal instead, and the middle platform pays the corresponding rights and interests products to the user terminal; and the balance mode is to count the second transaction information generated by the merchant terminal/the first transaction information generated by the user terminal, and to conduct unified clearing when the preset transaction conditions are reached.
A clearing unit 13, configured to perform reconciliation clearing on the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode, where the clearing mode includes: at least two modes of a real-time mode, a pay-as-you-pay mode, and a pay-as-you-pay mode.
Further, referring to fig. 4, the clearing unit 13 may include: a clearing identification module 131, a valuation identification module 132, and a clearing module 133.
And a clearing identification module 131, configured to identify a mode identifier in the second transaction information, and select a corresponding clearing mode according to the mode identifier.
And a pricing identification module 132, configured to identify a pricing identifier in the first transaction information corresponding to the second transaction information, and select a corresponding pricing model according to the pricing identifier.
Wherein the pricing model comprises: dispatch pricing model and usage pricing model.
And a clearing module 133, configured to perform reconciliation clearing on the second transaction data and the first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information.
In this embodiment, when checking and clearing is performed, the second transaction number and the second order number in the second transaction information may be respectively matched with the first transaction number and the first order number in the first transaction information, so as to obtain first transaction data corresponding to the second transaction data, thereby checking and clearing the transaction data.
In an embodiment, when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the dispatch pricing mode, the clearing module 133 may clear the first transaction data in the first transaction information corresponding to the second transaction information in real-time according to the second transaction data in the second transaction information.
Specifically, when the clearing mode of the second transaction information is a real-time mode and the first transaction information corresponding to the second transaction information is a dispatch pricing mode, the second transaction information in the second reconciliation task table and the corresponding first transaction information in the first reconciliation task table can be reconciled in real time, so that the effect of real-time clearing is achieved.
In an embodiment, when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the usage pricing mode, the clearing module 133 may monitor usage data of the first transaction information, and perform real-time accounting clearing on the first transaction data in the first transaction information and the second transaction data in the second transaction information corresponding to the first transaction information according to the usage data.
In this embodiment, the usage data is the usage status of the received benefit product by the user terminal, including both unused and used status.
Specifically, when the clearing mode of the second transaction information is a real-time mode and the first transaction information corresponding to the second transaction information is a use price calculating mode, monitoring the use data of the first transaction information, and when the use data is in a use condition, carrying out checking clearing on the corresponding first transaction information in the first checking task table and the corresponding second transaction information in the second checking task table in real time; if the usage data is in the unused state, the user terminal is indicated to enjoy the equity product, and no account checking clearing is performed.
In an embodiment, when the clearing mode corresponding to the second transaction information is the collection payment mode and the pricing mode of the first transaction information is the dispatch payment mode, the clearing module 133 may perform a payment transaction based on the first transaction data in the first transaction information and a collection transaction based on the second transaction data in the second transaction information; and according to a clearing period associated with the clearing mode, checking and clearing the collection transaction data corresponding to the second transaction information of the merchant terminal and the payment transaction of the first transaction information corresponding to the second transaction information.
Specifically, when the clearing mode of the second transaction information is a collection payment mode and the first transaction information corresponding to the second transaction information is a dispatch payment mode, a payment transaction (payment) can be performed according to the first transaction data in the first transaction information, the payment transaction data of the payment is stored in a payment task table, a collection transaction (collection) is performed based on the second transaction data in the second transaction information, the collection transaction data of the collection is stored in a collection task table, and when the clearing period is reached, the payment transaction data in the collection task table and the corresponding collection transaction data in the collection task table are subjected to account checking.
In an embodiment, when the clearing mode corresponding to the second transaction information is the collection payment mode and the pricing mode of the first transaction information is the usage price mode, the clearing module 133 may perform payment transaction based on the first transaction data in the first transaction information, perform collection transaction based on the second transaction data in the second transaction information, monitor usage data of the first transaction information according to a clearing cycle (e.g., one week, 1 month) associated with the clearing mode, and check payment transaction data corresponding to the first transaction information and collection transaction data of the second transaction information corresponding to the first transaction information according to the usage data.
Specifically, when the clearing mode of the second transaction information is a payment collecting and paying mode and the first transaction information corresponding to the second transaction information is a use price mode, a payment transaction (payment substituting) can be performed according to the first transaction data in the first transaction information, the payment transaction data of the payment substituting is stored in a payment substituting task table, a payment collecting transaction (payment substituting) is performed based on the second transaction data in the second transaction information, and the payment collecting transaction data of the payment substituting is stored in the payment substituting task table; and monitoring the use data (unused/used) of the first transaction information, and checking and clearing the payment transaction data in the payment-substituting task table and the corresponding collection transaction data in the collection-substituting task table when the use data is in a use state.
In an embodiment, when the clearing mode corresponding to the second transaction information is the balance mode and the pricing mode of the first transaction information is the dispatch pricing mode, the clearing module 133 may count the second transaction information of the merchant terminal and the first transaction information corresponding to the second transaction information, respectively, and when the counted second transaction data of the second transaction information meets a first preset transaction condition, perform accounting clearing on the counted second transaction data and the counted first transaction data in the first transaction information.
It should be noted that, the first preset transaction condition is: and counting that the second transaction data of the merchant terminal reaches a preset first transaction amount or counting that the transaction times of the second transaction data of the merchant terminal reach a first time threshold.
Specifically, when the clearing mode of the second transaction information is the balance mode and the first transaction information corresponding to the second transaction information is the dispatch price mode, the second transaction information in the second reconciliation task table of the merchant terminal is counted, when the second transaction information meets the first preset transaction condition, the first transaction information corresponding to the first reconciliation task table and the second transaction information is counted, and the counted transaction information in the second reconciliation task table and the transaction information in the first reconciliation task table are subjected to reconciliation clearing, so that the effect of batch reconciliation clearing is achieved.
In an embodiment, when the clearing mode corresponding to the second transaction information is the balance mode and the pricing mode of the first transaction information is the usage pricing mode, the clearing module 133 may monitor usage data of the first transaction information, respectively count the first transaction information corresponding to the usage information and the second transaction information corresponding to the first transaction information, and when the counted first transaction data of the first transaction information meets a second preset transaction condition, perform accounting clearing on the counted second transaction data and the counted first transaction data.
It should be noted that, the second preset transaction condition is: the counted first transaction data reaches a preset second transaction amount, or the counted transaction times of the first transaction data reach a second time threshold.
Specifically, when the clearing mode of the second transaction information is the balance mode and the first transaction information corresponding to the second transaction information is the use price mode, the use state of each first transaction information is monitored, the first transaction information in the use state in the first reconciliation task table is counted, meanwhile, the second transaction information corresponding to the first transaction information in the use state in the second reconciliation task table is counted, and when the counted first transaction information meets the second preset transaction condition, the counted transaction information in the first reconciliation task table and the counted transaction information in the second reconciliation task table are subjected to reconciliation, so that the effect of batch reconciliation clearing is achieved.
According to the reconciliation clearing device 1 in the embodiment, the first collecting unit 11 collects the first transaction information of the user terminal, and the clearing unit 13 is adopted to carry out reconciliation clearing on the corresponding second transaction information and the first transaction information corresponding to the second transaction information according to the difference of clearing modes of the second transaction information of the merchant terminal collected by the second collecting unit 12, so that the aim of automatically carrying out reconciliation clearing on various merchant terminals based on different clearing modes is fulfilled, clearing efficiency is improved, and application range is wider. The invention realizes unified system management and control by standardizing and standardizing the transaction flow of the equity products, improves the clearing efficiency, shortens the reconciliation flow, reduces the labor cost and is convenient for data tracking.
Example III
In order to achieve the above objective, the present invention further provides a computer device 2, where the computer device 2 includes a plurality of computer devices 2, and the components of the accounting clearing device 1 of the second embodiment may be dispersed in different computer devices 2, and the computer device 2 may be a smart phone, a tablet computer, a notebook computer, a desktop computer, a rack-mounted server, a blade server, a tower server, or a rack-mounted server (including a stand-alone server, or a server cluster formed by a plurality of servers) that execute a program, or the like. The computer device 2 of the present embodiment includes at least, but is not limited to: the memory 21, the processor 23, the network interface 22, and the reconciliation clearing apparatus 1 (refer to fig. 5) may be communicatively connected to each other through a system bus. It should be noted that fig. 5 only shows a computer device 2 having components, but it should be understood that not all of the illustrated components are required to be implemented, and that more or fewer components may be implemented instead.
In this embodiment, the memory 21 includes at least one type of computer readable storage medium, including flash memory, hard disk, multimedia card, card memory (e.g., SD or DX memory, etc.), random Access Memory (RAM), static Random Access Memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), programmable read-only memory (PROM), magnetic memory, magnetic disk, optical disk, etc. In some embodiments, the memory 21 may be an internal storage unit of the computer device 2, such as a hard disk or a memory of the computer device 2. In other embodiments, the memory 21 may also be an external storage device of the computer device 2, such as a plug-in hard disk provided on the computer device 2, a smart memory card (SMART MEDIA CARD, SMC), a Secure Digital (SD) card, a flash memory card (FLASH CARD), or the like. Of course, the memory 21 may also comprise both an internal memory unit of the computer device 2 and an external memory device. In this embodiment, the memory 21 is typically used to store an operating system and various types of application software installed on the computer device 2, such as program codes of the reconciliation method of the first embodiment. Further, the memory 21 may be used to temporarily store various types of data that have been output or are to be output.
The processor 23 may be a central processing unit (Central Processing Unit, CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments. The processor 23 is typically used to control the overall operation of the computer device 2, e.g. to perform control and processing related to data interaction or communication with said computer device 2, etc. In this embodiment, the processor 23 is configured to execute the program code or process data stored in the memory 21, for example, to execute the reconciliation clearing device 1.
The network interface 22 may comprise a wireless network interface or a wired network interface, which network interface 22 is typically used to establish a communication connection between the computer device 2 and other computer devices 2. For example, the network interface 22 is used to connect the computer device 2 to an external terminal through a network, establish a data transmission channel and a communication connection between the computer device 2 and the external terminal, and the like. The network may be an Intranet (Intranet), the Internet (Internet), a global system for mobile communications (Global System of Mobile communication, GSM), wideband code division multiple access (Wideband Code Division Multiple Access, WCDMA), a 4G network, a 5G network, bluetooth (Bluetooth), wi-Fi, or other wireless or wired network.
It is noted that fig. 5 only shows a computer device 2 having components 21-23, but it is understood that not all of the illustrated components are required to be implemented, and that more or fewer components may alternatively be implemented.
In the present embodiment, the reconciliation clearing device 1 stored in the memory 21 may also be divided into one or more program modules, which are stored in the memory 21 and executed by one or more processors (the processor 23 in the present embodiment) to complete the present invention.
Example IV
To achieve the above object, the present invention also provides a computer-readable storage medium including a plurality of storage media such as a flash memory, a hard disk, a multimedia card, a card memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, a server, an App application store, etc., on which a computer program is stored, which when executed by the processor 23, performs the corresponding functions. The computer-readable storage medium of the present embodiment is for storing the reconciliation clearing apparatus 1, which when executed by the processor 23 implements the reconciliation clearing method of the first embodiment.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm and the like. The blockchain (Blockchain), essentially a de-centralized database, is a string of data blocks that are generated in association using cryptographic methods, each of which contains information from a batch of network transactions for verifying the validity (anti-counterfeit) of its information and generating the next block. The blockchain may include a blockchain underlying platform, a platform product services layer, an application services layer, and the like.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.
Claims (9)
1. A method of reconciliation clearing comprising:
collecting first transaction information of a user terminal, and recording the first transaction information;
collecting second transaction information associated with a clearing mode of a merchant terminal, and recording the second transaction information;
Identifying a mode identifier in the second transaction information, and selecting a corresponding clearing mode according to the mode identifier; identifying a pricing identifier in the first transaction information corresponding to the second transaction information, and selecting a corresponding pricing model according to the pricing identifier; checking and clearing second transaction data and first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information; wherein the first transaction information includes: a pricing identification corresponding to a pricing model and the first transaction data, the second transaction information comprising: a mode identification corresponding to the clearing mode and the second transaction data; the pricing model includes: dispatch pricing model and usage pricing model; the dispatching pricing model is that the merchant terminal dispatches the equity product to the user terminal, namely the transaction occurs at the user terminal; the use price mode distributes rights and interests items to the user terminal for the merchant terminal, and the user terminal generates transaction information when using the rights and interests products; the clearing mode includes: real-time mode, pay-as-you-pay mode and pay-as-you-pay mode; the real-time mode is real-time clearing, and if the merchant terminal sends the second transaction information, clearing is performed in real time; the collection and payment mode is that the middle platform receives the rights and interests products provided by the merchant terminal instead, and the middle platform pays the corresponding rights and interests products to the user terminal; the balance mode is to count the second transaction information generated by the merchant terminal/the first transaction information generated by the user terminal, and the second transaction information is performed when the preset transaction condition is reached.
2. The reconciliation clearing method of claim 1, wherein the reconciling second transaction data and first transaction data based on the clearing pattern corresponding to the second transaction information and the pricing pattern of the first transaction information corresponding to the second transaction information comprises:
when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the dispatch pricing mode, carrying out real-time accounting clearing on the first transaction data in the first transaction information corresponding to the second transaction information according to the second transaction data in the second transaction information;
And when the clearing mode corresponding to the second transaction information is the real-time mode and the pricing mode of the first transaction information is the use pricing mode, monitoring the use data of the first transaction information, and carrying out real-time account checking clearing on the first transaction data in the first transaction information and the second transaction data in the second transaction information corresponding to the first transaction information according to the use data.
3. The reconciliation clearing method of claim 1, wherein the reconciling second transaction data and first transaction data based on the clearing pattern corresponding to the second transaction information and the pricing pattern of the first transaction information corresponding to the second transaction information comprises:
when the clearing mode corresponding to the second transaction information is the collecting payment mode and the pricing mode of the first transaction information is the dispatching pricing mode, carrying out payment transaction based on the first transaction data in the first transaction information and carrying out collecting transaction based on the second transaction data in the second transaction information; checking and clearing payment transaction of the collection transaction data corresponding to the second transaction information of the merchant terminal and the first transaction information corresponding to the second transaction information according to a clearing period associated with the clearing mode;
And when the clearing mode corresponding to the second transaction information is the collection payment mode and the pricing mode of the first transaction information is the use price mode, carrying out payment transaction based on the first transaction data in the first transaction information, carrying out collection transaction based on the second transaction data in the second transaction information, monitoring the use data of the first transaction information according to the clearing period associated with the clearing mode, and carrying out account checking clearing on the payment transaction data corresponding to the first transaction information and the collection transaction data of the second transaction information corresponding to the first transaction information according to the use data.
4. The reconciliation clearing method of claim 1, wherein the reconciling second transaction data and first transaction data based on the clearing pattern corresponding to the second transaction information and the pricing pattern of the first transaction information corresponding to the second transaction information comprises:
When the clearing mode corresponding to the second transaction information is the expense mode and the pricing mode of the first transaction information is the dispatch pricing mode, respectively counting the second transaction information of the merchant terminal and the first transaction information corresponding to the second transaction information, and when the counted second transaction data of the second transaction information meets a first preset transaction condition, clearing the accounting of the counted second transaction data and the counted first transaction data in the first transaction information;
and when the clearing mode corresponding to the second transaction information is the balance mode and the pricing mode of the first transaction information is the use pricing mode, monitoring the use data of the first transaction information, respectively counting the first transaction information corresponding to the use data and the second transaction information corresponding to the first transaction information, and when the counted first transaction data of the first transaction information meets a second preset transaction condition, checking and clearing the counted second transaction data and the counted first transaction data.
5. The reconciliation clearing method of claim 4, wherein the first predetermined transaction condition is:
counting the second transaction data of the merchant terminal to reach a preset first transaction amount, or
And counting the transaction times of the second transaction data of the merchant terminal to reach a first time number threshold.
6. The reconciliation clearing method of claim 4, wherein the second preset transaction condition is:
The counted first transaction data reaches a preset second transaction amount, or
The counted transaction times of the first transaction data reach a second time threshold.
7. A reconciliation clearing device, comprising:
the first acquisition unit is used for acquiring first transaction information of the user terminal and recording the first transaction information;
The second acquisition unit is used for acquiring second transaction information associated with the clearing mode of the merchant terminal and recording the second transaction information;
A clearing unit, configured to check and clear the second transaction information and the first transaction information corresponding to the second transaction information according to the clearing mode; identifying a mode identifier in the second transaction information, and selecting a corresponding clearing mode according to the mode identifier; identifying a pricing identifier in the first transaction information corresponding to the second transaction information, and selecting a corresponding pricing model according to the pricing identifier; checking and clearing second transaction data and first transaction data based on the clearing mode corresponding to the second transaction information and the pricing mode of the first transaction information corresponding to the second transaction information; wherein the first transaction information includes: a pricing identification corresponding to a pricing model and the first transaction data, the second transaction information comprising: a mode identification corresponding to the clearing mode and the second transaction data; the pricing model includes: dispatch pricing model and usage pricing model; the dispatching pricing model is that the merchant terminal dispatches the equity product to the user terminal, namely the transaction occurs at the user terminal; the use price mode distributes rights and interests items to the user terminal for the merchant terminal, and the user terminal generates transaction information when using the rights and interests products; the clearing mode includes: real-time mode, pay-as-you-pay mode and pay-as-you-pay mode; the real-time mode is real-time clearing, and if the merchant terminal sends the second transaction information, clearing is performed in real time; the collection and payment mode is that the middle platform receives the rights and interests products provided by the merchant terminal instead, and the middle platform pays the corresponding rights and interests products to the user terminal; and the balance mode is to count the second transaction information generated by the merchant terminal/the first transaction information generated by the user terminal, and to conduct unified clearing when the preset transaction conditions are reached.
8. 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 steps of the method according to any one of claims 1 to 6 when the computer program is executed.
9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method according to any one of claims 1 to 6.
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