CN113421082A - Expense settlement processing method and device - Google Patents
Expense settlement processing method and device Download PDFInfo
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Abstract
The embodiment of the specification provides a charge settlement processing method and a device, wherein the charge settlement processing method comprises the following steps: processing the transaction data set in the calculation period to obtain a first reconciliation file; performing reconciliation processing on the first reconciliation file and a second reconciliation file generated by a settlement platform; error processing is carried out on the transaction data set based on the account checking result, and a target data set is obtained; and carrying out charge calculation according to the rate grading calibrated by each transaction data in the target data set, generating a settlement list according to the calculation result and carrying out settlement processing.
Description
Technical Field
The present disclosure relates to the field of data processing technologies, and in particular, to a method and an apparatus for processing fee settlement.
Background
With the continuous development of online transactions, more and more people choose to carry out online shopping on an electronic transaction platform, products related to transactions are more and more abundant, and related amounts are more and more large, for the electronic transaction platform which provides transaction matching for merchants and users, the willingness of the users to participate in the transactions is improved by providing a staged payment mode of transaction products, and a certain amount for staging is distributed to the users by introducing a credit system, but under the condition of larger transaction amounts, the amount distributed to the users often cannot meet the requirements of the users, and further the willingness of the users to participate in the transactions is reduced.
Disclosure of Invention
One or more embodiments of the present specification provide a charge settlement processing method including: and processing the transaction data set in the calculation period to obtain a first reconciliation file. And performing reconciliation processing on the first reconciliation file and a second reconciliation file generated by a settlement platform. And carrying out error processing on the transaction data set based on the account checking result to obtain a target data set. And carrying out charge calculation according to the rate grading calibrated by each transaction data in the target data set, generating a settlement list according to the calculation result and carrying out settlement processing.
One or more embodiments of the present specification provide a charge settlement processing apparatus including: and the transaction data processing module is configured to process the transaction data set in the calculation period to obtain a first reconciliation file. And the reconciliation processing module is configured to perform reconciliation processing on the first reconciliation file and a second reconciliation file generated by a settlement platform. And the error processing module is configured to perform error processing on the transaction data set based on the account checking result to obtain a target data set. And the fee calculation module is configured to perform fee calculation according to the rate grading marked by each transaction data in the target data set, generate a settlement list according to the calculation result and perform settlement processing.
One or more embodiments of the present specification provide a server, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and processing the transaction data set in the calculation period to obtain a first reconciliation file. And performing reconciliation processing on the first reconciliation file and a second reconciliation file generated by a settlement platform. And carrying out error processing on the transaction data set based on the account checking result to obtain a target data set. And carrying out charge calculation according to the rate grading calibrated by each transaction data in the target data set, generating a settlement list according to the calculation result and carrying out settlement processing.
One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and processing the transaction data set in the calculation period to obtain a first reconciliation file. And performing reconciliation processing on the first reconciliation file and a second reconciliation file generated by a settlement platform. And carrying out error processing on the transaction data set based on the account checking result to obtain a target data set. And carrying out charge calculation according to the rate grading calibrated by each transaction data in the target data set, generating a settlement list according to the calculation result and carrying out settlement processing.
Drawings
In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;
FIG. 1 is a process flow diagram of a fee settlement processing method provided by one or more embodiments of the present disclosure;
FIG. 2 is a process flow diagram of a fee settlement processing method applied to a merchant interest scene according to one or more embodiments of the present disclosure;
FIG. 3 is a process flow diagram of a fee settlement processing method applied to a user payment scenario according to one or more embodiments of the present disclosure;
FIG. 4 is a schematic diagram of a fee settlement processing device according to one or more embodiments of the present disclosure;
fig. 5 is a schematic structural diagram of a charge settlement processing apparatus according to one or more embodiments of the present disclosure.
Detailed Description
In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.
The embodiment of the fee settlement processing method provided by the specification comprises the following steps:
referring to fig. 1, which shows a processing flow chart of a fee settlement processing method provided by the present embodiment, referring to fig. 2, which shows a processing flow chart of a fee settlement processing method applied to a merchant interest scene provided by the present embodiment, referring to fig. 3, which shows a processing flow chart of a fee settlement processing method applied to a user payment scene provided by the present embodiment.
Referring to fig. 1, the fee settlement processing method provided in this embodiment specifically includes steps S102 to S108.
And S102, processing the transaction data set in the calculation period to obtain a first reconciliation file.
The fee settlement processing method provided by the embodiment is characterized in that under a credit staging payment system which is built by taking four merchants, a service platform, a financial institution and a settlement platform (such as a transaction clearing platform) as cores, transaction data are generated by carrying out transactions between users and the merchants and carrying out staging payment through the financial institution, the transaction data in a specific settlement period are processed into account checking files, the account checking files are checked with the account checking files generated by the settlement platform for carrying out transaction settlement in the form of the account checking files, and then the transaction data are corrected according to the account checking results, so that the accuracy and the validity of the transaction data are ensured, the interest and the commission return charges generated by the transactions are calculated according to rate stages marked in the transaction data, and the interest and commission return charges are settled by matching with the account checking platform, so that the merchant participating in the credit staging payment system is promoted, The settlement processing efficiency among the payment platform, the financial institution and the settlement platform promotes the enthusiasm of the merchants and the financial institution for adding into the credit staging payment system, and is beneficial to enhancing the penetration of the credit staging payment system to different scenes.
The transaction data set in this embodiment is composed of transaction data, where the transaction data refers to transaction data generated by a transaction between a user and a merchant, and optionally, the transaction data includes staged transaction data generated after the user pays a transaction order through a staged payment channel, for example, staged transaction data obtained after the user pays a transaction in stages through a credit card staged payment channel provided in a staged payment channel during a transaction between the user and the merchant.
The staged payment channel comprises a credit card staged payment channel, a staged payment channel corresponding to the credit line and/or a staged payment channel based on credit transaction.
For example, when the user pays for a transaction order generated by a transaction with a merchant, an aggregation staging channel consisting of a credit card staging payment channel, a staging payment channel corresponding to a credit line and/or a credit purchase staging payment channel is provided for the user, and the user can select any staging payment channel in the aggregation staging channel to perform staging payment processing on the transaction order.
In practical application, in the process of carrying out guarantee transaction with a merchant by a user, the transfer of transaction funds needs to be carried out after the receipt is confirmed, the time for confirming the receipt or returning the goods after the transaction often has a certain time difference with the time for the transaction, this time gap varies from minutes to months, and therefore, in order to increase the efficiency of settlement, and also to avoid the need to pay a large amount of funds to settle a large number of transactions that occur but are not yet transferred, in this embodiment, by configuring the settlement period with a specific time length (such as 3 months), the proportion of the transactions which occur in the settlement period but are not in the fund transfer state is reduced, optionally, the period duration of the settlement period is at least longer than the duration from transaction payment to receipt confirmation of the transaction order corresponding to the transaction data in the offline transaction data. The transaction data set of the embodiment stores the transaction data generated in the settlement period in an offline storage manner.
In specific implementation, in order to improve and ensure the accuracy of reconciliation, the transaction data set in the settlement period is processed into a form of a reconciliation file, and the reconciliation file generated by the settlement platform for performing transaction clearing processing is performed with the reconciliation file, in an optional implementation manner provided by this embodiment, the transaction data set in the settlement period is processed in the following manner:
reading corresponding field data from each transaction data in the transaction data set according to the field type of the reconciliation file, and writing the read field data into the reconciliation file to obtain the first reconciliation file.
Wherein the field type of the reconciliation file comprises at least one of the following items: transaction flow identification, transaction time, transaction amount, installment, transaction type, banking institution, refund field, refund time, refund amount, refund proportion, transaction type, rate rating, interest rate, interest amount, commission return rate, and commission return amount.
And step S104, performing reconciliation processing on the first reconciliation file and a second reconciliation file generated by a settlement platform.
In order to improve the reconciliation efficiency and also consider the reconciliation accuracy, in an optional implementation manner provided in this embodiment, the reconciliation processing of the first reconciliation file and the second reconciliation file is performed in the following manner:
summarizing and reconciling the transaction data in the first reconciliation file and the transaction data in the second reconciliation file; the second account checking file is acquired from the settlement platform through a data interface provided by the settlement platform;
if the summary account checking passes, determining the account checking result as the account checking pass, generating an account checking result file and uploading the account checking result file to the settlement platform;
if the summary reconciliation is not passed, performing detailed reconciliation on the transaction data in the first reconciliation file and the transaction in the second reconciliation file;
and determining that the reconciliation result is that the reconciliation is not passed, writing the transaction data with inconsistent detailed reconciliation into a reconciliation result file, and uploading the transaction data to the settlement platform.
And S106, carrying out error processing on the transaction data set based on the account checking result to obtain a target data set.
After the first reconciliation file obtained by processing the transaction data generated in the settlement period and the second reconciliation file generated by the settlement platform are subjected to reconciliation processing, error processing needs to be performed on the transaction data with inconsistency in the two reconciliation files so as to correct the transaction data with inconsistency in the two reconciliation files, so that the corrected transaction data can be kept consistent in the two reconciliation files.
Specifically, in an optional implementation manner provided by this embodiment, the transaction data set is subjected to error processing based on the reconciliation result to obtain the target data set, and the following implementation manner is specifically adopted:
according to the reconciliation result file, canceling the transaction data with inconsistent detailed reconciliation in the transaction data set;
and writing the determined corrected transaction data into the transaction data set to obtain the target data set.
For example, for any one of the inconsistent transaction data recorded in the reconciliation result file, the transaction data is cancelled by using the equal and opposite transaction data by recording a piece of transaction data equal to and opposite to the transaction data, and then the correct transaction data determined by error communication with the settlement platform for the transaction data, namely the corrected transaction data, is corrected, and so on, the cancelling and correcting processing is performed on all the inconsistent transaction data recorded in the reconciliation result file.
In addition to the implementation manner of performing error processing on the transaction data set, the error processing may be performed on the first reconciliation file, and the first reconciliation file after the error processing is used as a basis for subsequent fee calculation and settlement processing, specifically, the error processing is performed on the first reconciliation file based on the reconciliation result to obtain a target reconciliation file, and in the subsequent step, in the process of performing fee calculation, fee calculation is performed in a grading manner according to a rate specified by each transaction data in the target reconciliation file, and a settlement list is generated and subjected to settlement processing according to the calculation result. In the process of carrying out error processing on the first reconciliation file based on the reconciliation result, the transaction data with inconsistent detailed reconciliation in the first reconciliation file is carried out reimbursement processing according to the reconciliation result file, and the determined corrected transaction data is written into the first reconciliation file to obtain the target reconciliation file.
And step S108, carrying out charge calculation according to the rate grading calibrated by each transaction data in the target data set, generating a settlement list according to the calculation result and carrying out settlement processing.
In this embodiment, a plurality of rate templates are set, and a post rate and a commission return rate corresponding to each installment period number in the merchant interest mode and a commission return rate corresponding to each installment period number in the user payment mode are respectively configured in each rate template. And the rates of the plurality of rate templates are different, the rate configured in each rate template is divided into different levels, the rate configured in the rate template is called a rate grade, and each rate template corresponds to a rate grade. Optionally, the rate template corresponding to the rate profile records a interest rate and a commission return rate corresponding to each installment term in the merchant interest mode, and a commission return rate corresponding to each installment term in the user payment mode.
The user pays, and after the user purchases goods or services from a merchant and carries out staging payment on a transaction order for purchasing the goods or services through a staging payment channel, staging fees generated by staging are paid by the user, and the part of the staging fees are paid when the user repays money to a financial institution providing the staging payment channel. The user performs the installment payment through an installment payment channel provided by the financial institution, and the commission charge is achieved through the drainage of the service platform, and the commission charge refers to commission returned by the financial institution to the service platform according to the drainage behavior of the service platform.
The merchant interest is that after the user purchases goods or services from the merchant and carries out staging payment on the transaction order for purchasing the goods or services through the staging payment channel, staging fees or interests generated by staging are subsidized to the user by the merchant, namely: the merchant pays subsidized installments or interest to the financial institution providing the installments payment channel instead, and the merchant pays installments or interest to the financial institution instead, called interest charge, and needs to be transferred to the account of the financial institution in the settlement process.
Optionally, the interest rate corresponding to each installment period number in the merchant interest mode is signed and determined by the transaction platform and the merchant through an agreement; the commission returning rate corresponding to each installment period number in the merchant interest mode and the commission returning rate corresponding to each installment period number in the user payment mode are determined by the service platform and the financial institution through agreement signing. And the user pays the installment cost of each installment amount in the user payment mode to the financial institution when the user carries out installment repayment of the transaction data.
The method comprises the steps that a financial institution determines which rate template is adopted by the financial institution in the process of agreement signing with a service platform, on the basis of determining the rate template adopted by the financial institution, a user conducts transaction through a staged payment channel provided by the financial institution to generate corresponding transaction data, rate grading corresponding to the rate template adopted by the financial institution is calibrated, and in the process of conducting fee calculation and settlement processing on the transaction data subsequently, fee calculation is conducted according to rates configured in the rate template corresponding to the rate grading calibrated in the transaction data.
For example, the rate template corresponding to the rate profile adopted by a certain financial institution is shown in the following table:
in specific implementation, the charge is calculated according to the rate grading calibrated by each transaction data in the target data set, and the following optional implementation modes are adopted to realize:
1) and calculating the transaction fee of each transaction data under at least one fee type according to the transaction amount of each transaction data and the rated rate grading.
As described above, the tariff template corresponding to the tariff grade records the interest rate and the commission return rate corresponding to each installment term in the merchant interest mode, and the commission return rate corresponding to each installment term in the user payment mode; correspondingly, transaction fees obtained by calculating the fees according to the rate grading in the merchant interest mode comprise interest fee and commission return fee; and in the user payment mode, carrying out fee calculation according to the rate grading to obtain transaction fees, including commission returning fees. The following optional embodiments provided in this embodiment respectively describe the processes of calculating the placement fee and the commission return fee in the merchant placement mode, and the process of calculating the commission return fee in the user payment mode.
Under the merchant interest mode, calculating the transaction fee of each transaction data under at least one fee type according to the transaction amount of each transaction data and the rated rate grading, wherein the transaction fee comprises the following steps:
for any transaction data in the transaction data, calculating the transaction fee of the transaction data under at least one fee type by adopting the following modes:
according to the information of the staging period contained in the transaction data, inquiring the interest rate and/or the commission return rate corresponding to the information of the staging period in a rate template corresponding to the rate grading;
and calculating the interest fee and/or the commission return fee of the transaction data according to the interest rate and/or the commission return rate.
Under the user payment mode, calculating the transaction fee of each transaction data under at least one fee type according to the transaction amount of each transaction data and the rated rate grading, wherein the transaction fee comprises the following steps:
for any transaction data in the transaction data, calculating the transaction fee of the transaction data under at least one fee type by adopting the following modes:
according to the installment period information contained in the transaction data, inquiring the return commission rate corresponding to the installment period information in a rate template corresponding to the rate grade;
a commission return fee for the transaction data is calculated according to the commission return rate.
Optionally, the interest fee is equal to the product of the payment amount of the transaction data and the interest rate; the commission return fee is equal to the product of the amount of payment of the transaction data and the commission return rate.
2) And summarizing and calculating the transaction fee of each transaction data under each fee type to obtain the total transaction fee under each fee type in the at least one fee type.
Correspondingly, in the merchant interest mode, the transaction data of the transaction data under each fee type is summarized and calculated to obtain the total transaction fee under each fee type, and the following optional implementation modes are specifically adopted to realize the following steps:
calculating the total interest fee according to the forward interest fee of each forward transaction data and the reverse interest fee (the interest fee to be returned after the refund or the refund) of each reverse transaction data (the transaction data applying the refund or the refund) under the interest type of the interest fee; the total interest fee is equal to the difference value of the sum of the forward interest fees of the forward transaction data and the sum of the reverse interest fees of the reverse transaction data;
and/or the presence of a gas in the gas,
and calculating the total commission returning cost according to the forward commission returning cost of each forward transaction data and the reverse commission returning cost of each reverse transaction data under the cost type of commission returning cost; the total commission return cost is equal to a difference between a sum of forward commission return costs for each forward transaction data and a sum of reverse commission return costs for each reverse transaction data.
On the basis of the above-mentioned optional implementation of calculating the fee according to the rating profile calibrated by each transaction data in the target data set, this embodiment further provides an optional implementation of generating a settlement statement according to the calculation result and performing a settlement processing process, which specifically includes:
generating the statement of settlement based on a total transaction fee for each of the at least one fee type;
and after the approval of the settlement list is finished, initiating transfer and/or collection according to the total transaction cost and the cost type recorded in the settlement list.
In a specific implementation, when a service platform executing the fee settlement processing method cannot directly perform settlement processing and docking with a settlement platform, or the service platform does not have the qualification of performing settlement processing and docking with the settlement platform, in this case, in an optional implementation manner provided in this embodiment, a settlement processing is delegated to a payment platform having the qualification of performing settlement processing and docking with the settlement platform as a processing, and the payment platform performs settlement processing with the settlement platform according to the delegation of the service platform, specifically, a transfer is initiated according to the total transaction fee and the fee type recorded in the settlement ticket, including: transferring accounts to a payment platform according to the total interest charge recorded in the settlement list, submitting transfer funds to the settlement platform through the payment platform for settlement processing, and performing branch account processing on each financial institution through the settlement platform;
and initiating collection according to the total transaction fee and the fee type recorded in the settlement list, wherein the collection comprises the following steps: and initiating collection to a payment platform according to the total commission return fee recorded in the settlement list so as to obtain commission return funds from the settlement platform through the payment platform, wherein the commission return funds are deducted from the account of each financial institution by the settlement platform.
In addition, in the case that the service platform has the qualification of performing settlement processing interfacing with the settlement platform, the service platform may directly interface with the settlement platform to perform settlement processing, and specifically, initiate a transfer according to the total transaction cost and the cost type recorded in the settlement ticket, including: transferring accounts to a settlement platform according to the total interest expense recorded in the settlement list, performing account transfer processing by the settlement platform, and performing account distribution processing to each financial institution;
and initiating collection according to the total transaction fee and the fee type recorded in the settlement list, wherein the collection comprises the following steps: and transferring accounts to a settlement platform according to the total interest expense recorded in the settlement list, performing account transfer processing by the settlement platform, and performing account distribution processing to each financial institution.
The following takes the application of the fee settlement processing method provided in this embodiment to the merchant interest scene as an example, and further describes the fee settlement processing method provided in this embodiment, referring to fig. 2, the fee settlement processing method applied to the merchant interest scene specifically includes steps S202 to S216.
Step S202, processing the transaction data set in the calculation period to obtain a first reconciliation file.
And step S204, performing reconciliation processing on the first reconciliation file and a second reconciliation file generated by the settlement platform.
And step S206, according to the reconciliation result file, canceling the transaction data with inconsistent detailed reconciliation in the transaction data set.
And step S208, writing the determined corrected transaction data into the transaction data set to obtain a target data set.
Step S210, calculating the interest charge and the commission charge of each transaction data according to the transaction amount of each transaction data in the target data set and the rated rate grading.
The interest-bearing charge of the transaction data is equal to the product of the real payment amount of the transaction data and the interest-bearing rate, and the interest-bearing rate is obtained by inquiring a rate template corresponding to rate grading calibrated in the transaction data according to the information of the stage number included in the transaction data; and the commission returning charge of the transaction data is equal to the product of the payment amount of the transaction data and the commission returning rate, and the commission returning charge is obtained by inquiring a rate template corresponding to a rate grade marked in the transaction data according to the information of the stage times contained in the transaction data.
Step S212, calculating total interest fee according to the forward interest fee of each forward transaction data and the reverse interest fee of each reverse transaction data, and calculating total commission return fee according to the forward commission return fee of each forward transaction data and the reverse commission return fee of each reverse transaction data.
In step S214, a settlement order is generated based on the total interest charges and the total commission return charges.
And step S216, after the examination and approval of the settlement ticket are finished, initiating transfer according to the total interest expense recorded in the settlement ticket, and initiating collection according to the total commission return expense.
Specifically, transferring accounts to a payment platform according to the total interest fee recorded in the settlement list, submitting transfer funds to the settlement platform through the payment platform for settlement processing, and performing branch account processing on each financial institution through the settlement platform; and initiating collection to the paymate according to the total commission return fee recorded in the settlement list so as to obtain commission return funds from the settlement mate through the paymate, wherein the commission return funds are deducted from the account of each financial institution by the settlement mate.
The following takes the application of the fee settlement processing method provided in this embodiment to the user payment scenario as an example, and further describes the fee settlement processing method provided in this embodiment, referring to fig. 3, the fee settlement processing method applied to the user payment scenario specifically includes steps S302 to S316.
Step S302, processing the transaction data set in the calculation period to obtain a first reconciliation file.
And step S304, performing reconciliation processing on the first reconciliation file and a second reconciliation file generated by the settlement platform.
And S306, according to the reconciliation result file, canceling the transaction data with inconsistent detailed reconciliation in the transaction data set.
Step S308, writing the determined corrected transaction data into the transaction data set to obtain a target data set.
Step S310, calculating the commission returning charge of each transaction data according to the transaction amount of each transaction data in the target data set and the rated rate grading.
The commission returning charge of the transaction data is equal to the product of the payment amount of the transaction data and the commission returning rate, and the commission returning charge is obtained by inquiring a rate template corresponding to a rate grade marked in the transaction data according to the information of the stage period included in the transaction data.
In step S312, a total commission return fee is calculated according to the forward commission return fee of each forward transaction data and the reverse commission return fee of each reverse transaction data.
In step S314, a settlement statement is generated based on the total commission return fee.
And step S316, after the examination and approval of the settlement order are finished, initiating collection according to the total commission return cost recorded in the settlement order.
Specifically, payment is initiated to the payment platform according to the total commission return fee recorded in the settlement list so as to obtain commission return funds from the settlement platform through the payment platform, and the commission return funds are deducted from the account of each financial institution by the settlement platform.
It should be noted that in a settlement scenario that includes both merchant information and user payment, the fee calculation is performed according to the rating step calibrated for each transaction data in the target data set, specifically, according to the transaction type, transaction amount and calibrated rating step of each transaction data in the target data set, the information fee and the commission fee of the transaction data with the transaction type of merchant information are calculated, and the commission fee of the transaction data with the transaction type of user payment is calculated.
Further, the interest charge and the commission return charge of the transaction data with the transaction type of merchant interest and the transaction charge of the transaction data with the transaction type of user payment are calculated in a gathering mode, so that the sum of the interest charge of the transaction data with the transaction type of merchant interest and the commission return charge of the transaction data with the transaction type of user payment are obtained, then a settlement list is generated based on the sum of the interest charge and the commission return charge, finally after the settlement approval of the settlement list is completed, a transfer is initiated according to the interest charge sum recorded in the settlement list, and collection is initiated according to the commission return charge sum.
An embodiment of a fee settlement processing apparatus provided in the present specification is as follows:
in the above embodiments, a charge settlement processing method is provided, and correspondingly, a charge settlement processing apparatus is also provided, which is described below with reference to the accompanying drawings.
Referring to fig. 4, a schematic diagram of a fee settlement processing device provided in the present embodiment is shown.
Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.
The present embodiment provides a fee settlement processing apparatus including:
a transaction data processing module 402 configured to process the transaction data set in the calculation period to obtain a first reconciliation file;
the reconciliation processing module 404 is configured to perform reconciliation processing on the first reconciliation file and a second reconciliation file generated by a settlement platform;
an error processing module 406 configured to perform error processing on the transaction data set based on the reconciliation result to obtain a target data set;
and the fee calculating module 408 is configured to perform fee calculation according to the rate grading marked by each transaction data in the target data set, generate a settlement list according to the calculation result, and perform settlement processing.
An embodiment of a charge settlement processing apparatus provided in the present specification is as follows:
in correspondence to the above-described fee settlement processing method, based on the same technical concept, one or more embodiments of the present specification further provide a fee settlement processing apparatus for performing the above-described provided fee settlement processing method, and fig. 5 is a schematic structural view of the fee settlement processing apparatus provided in one or more embodiments of the present specification.
The present embodiment provides a charge settlement processing apparatus, including:
as shown in fig. 5, the fee settlement processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 501 and a memory 502, and one or more stored applications or data may be stored in the memory 502. Memory 502 may be, among other things, transient or persistent storage. The application program stored in memory 502 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a fee settlement processing device. Still further, the processor 501 may be configured to communicate with the memory 502 to execute a series of computer-executable instructions in the memory 502 on the charge settlement processing device. The fee settlement processing apparatus may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input/output interfaces 505, one or more keyboards 506, and the like.
In one particular embodiment, the charge settlement processing device comprises a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may comprise one or more modules, and each module may comprise a series of computer-executable instructions for the charge settlement processing device, and the one or more programs configured to be executed by the one or more processors comprise computer-executable instructions for:
processing the transaction data set in the calculation period to obtain a first reconciliation file;
performing reconciliation processing on the first reconciliation file and a second reconciliation file generated by a settlement platform;
error processing is carried out on the transaction data set based on the account checking result, and a target data set is obtained;
and carrying out charge calculation according to the rate grading calibrated by each transaction data in the target data set, generating a settlement list according to the calculation result and carrying out settlement processing.
An embodiment of a storage medium provided in this specification is as follows:
in correspondence to the above-described fee settlement processing method, based on the same technical idea, one or more embodiments of the present specification further provide a storage medium.
The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:
processing the transaction data set in the calculation period to obtain a first reconciliation file;
performing reconciliation processing on the first reconciliation file and a second reconciliation file generated by a settlement platform;
error processing is carried out on the transaction data set based on the account checking result, and a target data set is obtained;
and carrying out charge calculation according to the rate grading calibrated by each transaction data in the target data set, generating a settlement list according to the calculation result and carrying out settlement processing.
It should be noted that the embodiment of the storage medium in this specification and the embodiment of the fee settlement processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not described here.
The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.
One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.
Claims (21)
1. A fee settlement processing method, comprising:
processing the transaction data set in the calculation period to obtain a first reconciliation file;
performing reconciliation processing on the first reconciliation file and a second reconciliation file generated by a settlement platform;
error processing is carried out on the transaction data set based on the account checking result, and a target data set is obtained;
and carrying out charge calculation according to the rate grading calibrated by each transaction data in the target data set, generating a settlement list according to the calculation result and carrying out settlement processing.
2. The fee settlement processing method according to claim 1, wherein the reconciling the first reconciliation file with a second reconciliation file generated by a settlement platform comprises:
summarizing and reconciling the transaction data in the first reconciliation file and the transaction data in the second reconciliation file;
and if the summary account checking passes, determining the account checking result as the account checking pass, generating an account checking result file and uploading the account checking result file to the settlement platform.
3. The fee settlement processing method according to claim 2, wherein the reconciling the first reconciliation file with a second reconciliation file generated by a settlement platform further comprises:
if the summary reconciliation is not passed, performing detailed reconciliation on the transaction data in the first reconciliation file and the transaction in the second reconciliation file;
and determining that the reconciliation result is that the reconciliation is not passed, writing the transaction data with inconsistent detailed reconciliation into a reconciliation result file, and uploading the transaction data to the settlement platform.
4. The fee settlement processing method according to claim 3, wherein the error processing of the transaction data set based on the reconciliation result to obtain a target data set comprises:
according to the reconciliation result file, canceling the transaction data with inconsistent detailed reconciliation in the transaction data set;
and writing the determined corrected transaction data into the transaction data set to obtain the target data set.
5. The fee settlement processing method according to claim 1, wherein the calculating the fee according to the rate profile calibrated for each transaction data in the target data set comprises:
calculating the transaction fee of each transaction data under at least one fee type according to the transaction amount of each transaction data and the rated rate grading;
and summarizing and calculating the transaction fee of each transaction data under each fee type to obtain the total transaction fee under each fee type in the at least one fee type.
6. The fee settlement processing method according to claim 5, wherein calculating the transaction fee for each transaction data under at least one fee type according to the transaction amount of each transaction data and the rated rate profile comprises:
for any transaction data in the transaction data, calculating the transaction fee of the transaction data under at least one fee type by adopting the following modes:
according to the information of the staging period contained in the transaction data, inquiring the interest rate and/or the commission return rate corresponding to the information of the staging period in a rate template corresponding to the rate grading;
and calculating the interest fee and/or the commission return fee of the transaction data according to the interest rate and/or the commission return rate.
7. The charge settlement processing method according to claim 6, wherein the interest charge is equal to a product of a real payment amount of the transaction data and the interest rate;
the commission return fee is equal to the product of the amount of payment of the transaction data and the commission return rate.
8. The fee settlement processing method according to claim 6, wherein the collecting of the transaction data for each fee type to obtain the total transaction fee for each fee type comprises:
calculating the total interest fee according to the forward interest fee of each forward transaction data and the reverse interest fee of each reverse transaction data under the cost type of the interest fee; the total interest fee is equal to the difference value of the sum of the forward interest fees of the forward transaction data and the sum of the reverse interest fees of the reverse transaction data;
and/or the presence of a gas in the gas,
calculating the total commission returning cost according to the forward commission returning cost of each forward transaction data and the reverse commission returning cost of each reverse transaction data under the expense type of commission returning cost; the total commission return cost is equal to a difference between a sum of forward commission return costs for each forward transaction data and a sum of reverse commission return costs for each reverse transaction data.
9. The charge settlement processing method according to claim 5, wherein the generating of the settlement ticket and the settlement processing based on the calculation result include:
generating the statement of settlement based on a total transaction fee for each of the at least one fee type;
and after the approval of the settlement list is finished, initiating transfer and/or collection according to the total transaction cost and the cost type recorded in the settlement list.
10. The charge settlement processing method as claimed in claim 9, wherein the initiating of the transfer according to the total transaction charge and the charge type recorded in the settlement ticket comprises:
transferring accounts to a payment platform according to the total interest charge recorded in the settlement list, submitting transfer funds to the settlement platform through the payment platform for settlement processing, and performing branch account processing on each financial institution through the settlement platform;
alternatively, the first and second electrodes may be,
and transferring accounts to a settlement platform according to the total interest expense recorded in the settlement list, performing account transfer processing by the settlement platform, and performing account distribution processing to each financial institution.
11. The fee settlement processing method according to claim 9, wherein the initiating of the collection of the fee in accordance with the total transaction fee and the fee type recorded in the settlement ticket comprises:
initiating collection of payment to a paymate according to the total commissioned fee recorded in the settlement statement to obtain commissioned funds from the settlement platform through the paymate, wherein the commissioned funds are deducted from accounts of the financial institutions by the settlement platform;
alternatively, the first and second electrodes may be,
and initiating collection to the settlement platform according to the total commission return fee recorded in the settlement list so as to obtain commission return funds obtained by deducting from the account of each financial institution by the settlement platform.
12. The fee settlement processing method according to claim 6, wherein a interest rate and a commission return rate corresponding to each installment period number in the merchant interest mode and a commission return rate corresponding to each installment period number in the user payment mode are recorded in the rate template corresponding to the rate rating profile.
13. The fee settlement processing method according to claim 12, wherein the interest rate corresponding to each installment period number in the merchant interest mode is determined by the transaction platform and the merchant through agreement signing;
the commission returning rate corresponding to each installment period number in the merchant interest mode and the commission returning rate corresponding to each installment period number in the user payment mode are determined by the service platform and the financial institution through agreement signing.
14. The fee settlement processing method according to claim 12, wherein the user pays the installment fee for each installment amount to the financial institution in the user payment mode when the user makes installment payment of the transaction data.
15. The fee settlement processing method according to claim 1, wherein the processing the transaction data set during the settlement period to obtain the first reconciliation document comprises:
and extracting corresponding field data from each transaction data in the transaction data set according to the field type of the reconciliation file, and writing the read field data into the reconciliation file to obtain the first reconciliation file.
16. The fee settlement processing method according to claim 1, wherein the transaction data in the transaction data set includes generation of staged transaction data after payment of the transaction order by the user through the staged payment channel.
17. The fee settlement processing method of claim 16 wherein the installment payment channel comprises at least one of:
the credit card payment method comprises a credit card payment channel by stages, a payment channel by stages corresponding to credit line awards and a payment channel by stages based on credit transaction.
18. The fee settlement processing method according to claim 1, wherein a cycle time length of the settlement cycle is longer than a time length from transaction payment to receipt confirmation of the transaction order corresponding to the transaction data in the offline transaction data.
19. A charge settlement processing apparatus comprising:
the transaction data processing module is configured to process the transaction data set in the calculation period to obtain a first reconciliation file;
the account checking processing module is configured to perform account checking processing on the first account checking file and a second account checking file generated by a settlement platform;
the error processing module is configured to perform error processing on the transaction data set based on the account checking result to obtain a target data set;
and the fee calculation module is configured to perform fee calculation according to the rate grading marked by each transaction data in the target data set, generate a settlement list according to the calculation result and perform settlement processing.
20. A fee settlement processing device comprising:
a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:
processing the transaction data set in the calculation period to obtain a first reconciliation file;
performing reconciliation processing on the first reconciliation file and a second reconciliation file generated by a settlement platform;
error processing is carried out on the transaction data set based on the account checking result, and a target data set is obtained;
and carrying out charge calculation according to the rate grading calibrated by each transaction data in the target data set, generating a settlement list according to the calculation result and carrying out settlement processing.
21. A storage medium storing computer-executable instructions that when executed implement the following:
processing the transaction data set in the calculation period to obtain a first reconciliation file;
performing reconciliation processing on the first reconciliation file and a second reconciliation file generated by a settlement platform;
error processing is carried out on the transaction data set based on the account checking result, and a target data set is obtained;
and carrying out charge calculation according to the rate grading calibrated by each transaction data in the target data set, generating a settlement list according to the calculation result and carrying out settlement processing.
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