CN114579654B - Unified operation management method and platform system for multi-payment settlement system of bank - Google Patents
Unified operation management method and platform system for multi-payment settlement system of bank Download PDFInfo
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Abstract
The invention discloses a unified operation management method of a multi-payment settlement system of a bank, which is executed by a unified operation management platform and comprises the steps of acquiring running data and obtaining running data information and reconciliation result information of each independent payment settlement system; sending the running water data information and the reconciliation result information to a server of a data center station based on the data acquisition script; the data center station merges and sorts the flow data information and provides a data query interface, and the unified operation management platform displays part or all of the flow data information according to the screening conditions; displaying error accounts to be processed in the account checking result based on the flow data information and the account checking result information of each payment settlement system; sending error handling instructions to each corresponding payment settlement system through the unified error handling portal; error processing and feeding back the result to the unified operation management platform; the unified operation management platform receives the error processing result and performs unified display; position management and early warning. Corresponding platforms are also disclosed.
Description
Technical Field
The invention relates to the technical field of bank financial industry, in particular to a unified operation management method and a platform of a bank multi-payment settlement system.
Background
In the prior art, each payment settlement system of a bank has a corresponding operation platform, so that the bank has various payment settlement systems, such as a large and small amount system corresponding to a bank, a super online banking system, a unionline system, an online system and the like, in the existing business mode.
However, the existing techniques and business models have the following problems:
(1) the payment and settlement personnel must log in different operation platforms every day to process payment and settlement outstanding services, and the services cannot be processed in time due to the lack of a view of the whole payment and settlement services.
(2) The data of each operation platform is physically isolated, and for error transactions occurring among payment settlement systems, payment settlement personnel must switch back and forth among different operation platforms to process errors, so that the efficiency is low.
(3) The available settlement position of each payment settlement system cannot realize real-time monitoring and global control, and payment settlement personnel need to log in different operation platforms for active inquiry, thereby influencing the development of payment settlement services.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides the following technical scheme, namely a unified operation management platform construction method and a unified operation management method of a bank multi-payment settlement system. A unified operation management platform capable of simultaneously operating a plurality of payment settlement systems is formed, and the platform consists of unified flow inquiry, unified error processing and unified position management. The payment settlement service personnel can implement uniform operation management on all the payment settlement systems on the platform without switching back and forth among the systems, and the platform enables the payment settlement systems to be organically coordinated, so that the operation management efficiency is improved, the error processing time is reduced, and the fund settlement efficiency is improved.
The invention provides a unified operation management method of a bank multi-payment settlement system, which is executed by a unified operation management platform and comprises the following steps:
s1, acquiring running water data: respectively installing a data acquisition script in each independent payment settlement system in the multi-payment settlement system, and acquiring running data information and reconciliation result information of each independent payment settlement system based on the data acquisition script;
s2, sending the running data information and the reconciliation result information: sending the running data information and the reconciliation result information to a server of a data center station based on the data acquisition script;
s3, displaying the pipeline data information: the data center station merges and sorts the flow data information and provides a data query interface for the unified operation management platform, and the unified operation management platform displays part or all of the flow data information according to screening conditions;
s4, error accounting display: the unified operation management platform displays error accounts to be processed in the account checking result based on the flow data information and the account checking result information of each payment settlement system;
s5, error handling instruction send: the unified operation management platform comprises a unified error processing entrance, and an error processing instruction is sent to each corresponding payment settlement system through the unified error processing entrance;
s6: and (3) error processing: the payment settlement system receives the error processing instruction of the unified operation management platform, completes error processing according to the error processing type contained in the error processing instruction, and feeds back the error processing result to the unified operation management platform;
s7, error handling result showing: the unified operation management platform receives the error processing result and performs unified display;
s8, position management and early warning: and the unified operation management platform calls the position balance inquiry of each payment settlement system, performs unified position management, and initiates early warning when the position is lower than an early warning threshold value.
Further, the S1 pipeline data collection includes:
s11, determining a data acquisition template of the flow data, and summarizing the flow of each payment settlement system according to the data acquisition template;
and S12, determining an acquisition template of the reconciliation result information, and performing summary display on the reconciliation results of the payment settlement systems according to the acquisition template of the reconciliation result information.
Further, the S2 pipeline data information sending includes:
s21, the data acquisition script uploads the running data information and the reconciliation result information to a file for SFTP every day at regular time in a file form, and uploads a blank file ending with an 'OK' suffix after the file uploading is finished, so that the action of uploading the file is finished;
s22, the service end of the data center station detects the empty file at the end of the 'OK' suffix according to a preset time interval, if the empty file, the pipeline data information and the file corresponding to the reconciliation result information can be obtained, the S3 is entered, otherwise, the S22 is restarted; if the server of the data center station cannot acquire the empty file at the preset time interval, trying to acquire the file corresponding to the running data information and the reconciliation result information every 10 minutes in the next 1 hour, and if the file corresponding to the running data information and the reconciliation result information is acquired, entering S3 for processing; and if the files corresponding to the running water data information and the reconciliation result information cannot be obtained within 1 hour, sending an alarm short message, and re-invoking the task of obtaining the files corresponding to the running water data information and the reconciliation result information after manual intervention.
Further, the step S3 of displaying the pipeline data information includes:
and S31, after receiving the file corresponding to the flow data information, the data center firstly analyzes the file, then establishes a uniform flow data table in the database according to the date, and summarizes the flow data information of each payment settlement system into the flow data table on the date.
And S32, the data center station provides a uniform flow query service for the uniform operation management platform in a message interface mode.
S33, the data center station receives the query request of the unified operation management platform, if the query condition in the query request only contains data of one day, a table named by the date is found, and query is carried out according to the query condition; if the query condition in the query request contains data of multiple days, finding out tables containing the date and time period, querying the tables according to the query condition, summarizing and combining the queried data, and returning the summarized data to the unified operation management platform for unified display.
Further, the analyzing process is to begin to analyze the file corresponding to the stream data information after the procedure checks the "OK" file, and includes:
(1) reading a file corresponding to the stream data information into an internal memory according to lines;
(2) dividing the pipeline data corresponding to each line of the files according to an agreed field separator to obtain each pipeline field data in the pipeline data table;
(3) writing the data of each pipeline field into a database insertion statement script according to the sequence of the database table fields, and circulating the steps until the analysis of all files corresponding to the information of the pipeline data is finished;
(4) and executing a database insertion statement, and summarizing the flow data information of each payment settlement system into the flow data table.
Further, the S4 error accounting presentation includes:
s41, when each payment settlement system checks accounts and account errors occur, triggering a short message reminding function, and informing business personnel of the corresponding payment settlement system of the account errors;
s42, the corresponding payment settlement system provides an account error query interface service for the unified operation management platform in the form of a message interface, the unified operation management platform displays all information of the account errors that need to be processed on the current day, and the information of the account errors includes: account checking system, payment account name, collection account, error processing state and error processing information.
Further, the S5 error handling instruction sending comprises: and the unified operation management platform sends the error processing instruction to a corresponding payment settlement system in a message interface mode, and the corresponding payment settlement system carries out error processing according to the error processing instruction of the unified operation management platform.
Further, the S6 error handling includes:
s61, the error processing instructions for one transaction are processed by the following steps: if the transaction is a transaction independently processed by the payment settlement system, the error processing instruction is 'correcting', the payment settlement system performs rollback processing on the accounts generated by the flow information of one transaction, and marks that the flow information of one transaction is in a 'checked account and leveled' state; if the error processing instruction is 'account compensation', the payment settlement system carries out accounting processing on the running information of the transaction again, and marks that the running information of the transaction is in 'account checked and leveled' state; if the error processing instruction is 'ignore', the payment settlement system sets the account checking state of the running information of the transaction as 'ignore';
s62, status confirmation: after the payment settlement system completes the error processing, if the running information of the transaction is independently completed by the payment settlement system, a unified operation management platform is informed to inform the payment settlement system of completing the error processing; if the flow information of the transaction is the transaction requested by an upstream system, sending a synchronous notification of the transaction state to the upstream system in a message interface mode, and simultaneously notifying a unified operation management platform to inform the payment settlement system of completing error processing;
s63, after the upstream system receives the notification of transaction state synchronization, the upstream system changes the local transaction state into the synchronized transaction state, makes logic judgment according to the synchronized transaction state, and synchronously makes the error processing of the forward charge or the reconnaissance as described in S61;
s64, the upstream system sends a message to the unified operation management platform, and the message is the upstream system to complete the error processing;
s65, executing S61-S64 in a loop until all errors of the payment settlement system are processed.
Further, the S8 position management and early warning includes:
s81, providing a position management page, and configuring a position account, a position early warning threshold and a payment settlement system corresponding to the position;
s82, the unified operation management platform sets a position early warning threshold value in the shared cache, the payment settlement system simultaneously maintains a position use limit after the position use limit is rolled in the shared cache, and if the limit exceeds the early warning threshold value, a short message early warning is sent;
s83: when the short message early warning sent by the unified operation management platform is received by the payment settlement system, a service person of the payment settlement system calls a large payment system to credit account transaction at the unified operation management platform, and supplements the position of the corresponding position account in real time; meanwhile, the unified operation management platform adjusts the real-time position use limit value in the shared cache, so that the real-time position use limit value = the current position use limit-the supplement position;
s84: the payment and settlement system provides a position real-time balance inquiry function in a position inquiry interface mode of the payment and settlement system, and the unified operation management platform displays the balance of the position by calling the position inquiry interface of the payment and settlement system.
In a second aspect of the present invention, a unified operation management platform of a multi-payment settlement system in a bank is provided, which includes:
the running data acquisition module is used for installing a data acquisition script on each independent payment settlement system in the multi-payment settlement system respectively and acquiring running data information and reconciliation result information of each independent payment settlement system based on the data acquisition script;
the running data information and reconciliation result information sending module is used for sending the running data information and the reconciliation result information to a server of a data center station based on the data acquisition script;
the pipeline data information display module is used for merging and sequencing the pipeline data information by the data center, providing a data query interface and displaying part or all of the pipeline data information according to a screening condition;
the error account display module is used for displaying error accounts to be processed in the account checking result based on the flow data information of each payment settlement system and the account checking result information;
an error handling instruction transmitting module including a unified error handling entry for transmitting an error handling instruction to each corresponding payment settlement system through the unified error handling entry;
the error processing module is used for the payment settlement system to receive the error processing instruction of the unified operation management platform, complete error processing according to the error processing type contained in the error processing instruction and feed back the error processing result;
the error processing result display module is used for receiving the error processing result and performing unified display;
and the position management and early warning module is used for calling the position balance inquiry of each payment settlement system, carrying out unified position management and initiating early warning when the position is lower than an early warning threshold value.
A third aspect of the invention provides an electronic device comprising a processor and a memory, the memory storing a plurality of instructions, the processor being configured to read the instructions and to perform the method according to the first aspect.
A fourth aspect of the invention provides a computer readable storage medium storing a plurality of instructions readable by a processor and performing the method of the first aspect.
The unified operation management method, the platform and the electronic equipment of the bank multi-payment settlement system have the following beneficial effects that:
the invention constructs a unified operation management platform for a multi-payment settlement system of a bank, which comprises the steps of constructing unified stream inquiry, unified error management and unified position management; the platform realizes a unified flow query method comprising data acquisition scripts, data arrangement, merging, sequencing and display, and realizes a method for realizing unified error processing from the whole transaction link and a method for early warning position balance view and position limit, so that payment settlement services can be processed in time, the efficiency of error processing among different operation platforms is improved, real-time monitoring and global assurance of settlement positions are realized, and the development range of the payment settlement services is improved.
Drawings
Fig. 1 is a flow chart of a unified operation management method of a multi-payment settlement system of a bank.
Fig. 2 is a structure diagram of a unified operation management platform of the multi-payment settlement system of the bank.
Fig. 3 is a data flow diagram of a unified operation management platform of the multi-payment settlement system of the bank.
Fig. 4 is a schematic structural diagram of an embodiment of an electronic device provided in the present invention.
Detailed Description
For better understanding of the above technical solutions, the following detailed descriptions will be provided in conjunction with the drawings and the detailed description of the embodiments.
The method provided by the invention can be implemented in the following terminal environment, and the terminal can comprise one or more of the following components: a processor, a memory, and a display screen. Wherein the memory has stored therein at least one instruction that is loaded and executed by the processor to implement the methods described in the embodiments described below.
A processor may include one or more processing cores. The processor connects various parts within the overall terminal using various interfaces and lines, performs various functions of the terminal and processes data by executing or executing instructions, programs, code sets, or instruction sets stored in the memory, and calling data stored in the memory.
The Memory may include a Random Access Memory (RAM) or a Read-Only Memory (ROM). The memory may be used to store instructions, programs, code sets, or instructions.
The display screen is used for displaying user interfaces of all the application programs.
In addition, those skilled in the art will appreciate that the above-described terminal configurations are not intended to be limiting, and that the terminal may include more or fewer components, or some components may be combined, or a different arrangement of components. For example, the terminal further includes a radio frequency circuit, an input unit, a sensor, an audio circuit, a power supply, and other components, which are not described herein again.
Example one
As shown in fig. 1, a unified operation management method of a multi-payment settlement system of a bank is executed by a unified operation management platform, and includes:
s1, acquiring running water data: respectively installing a data acquisition script in each independent payment settlement system in the multi-payment settlement system, and acquiring running data information and reconciliation result information of each independent payment settlement system based on the data acquisition script;
s2, sending the running data information and the reconciliation result information: sending the running data information and the reconciliation result information to a server of a data center station based on the data acquisition script;
s3, displaying the pipeline data information: the data center station merges and sorts the flow data information and provides a data query interface for the unified operation management platform, and the unified operation management platform displays part or all of the flow data information according to screening conditions;
s4, error accounting display: the unified operation management platform displays error accounts to be processed in the account checking result based on the flow data information and the account checking result information of each payment settlement system;
s5, error handling instruction send: the unified operation management platform comprises a unified error processing entrance, and an error processing instruction is sent to each corresponding payment settlement system through the unified error processing entrance;
s6, error handling: the payment settlement system receives the error processing instruction of the unified operation management platform, completes error processing according to the error processing type contained in the error processing instruction, and feeds back the error processing result to the unified operation management platform;
s7, error handling result showing: the unified operation management platform receives the error processing result and performs unified display;
s8, position management and early warning: and the unified operation management platform calls the position balance inquiry of each payment settlement system, performs unified position management, and initiates early warning when the position is lower than an early warning threshold value.
Further, the S1 pipeline data collection includes:
s11, determining a data acquisition template of the flow data, and summarizing the flow of each payment settlement system according to the data acquisition template; wherein the elements in the data acquisition template include: payment settlement system number, global serial number, transaction date, transaction time, payer account number, payer name, payee account number, payee name, transaction amount, commission amount, payer line number, payee line number, payer line name, payee line name, transaction initiation channel, incoming and outgoing account mark, transaction type, transaction state, system response code, system response information, posters, abstract, creation time, update time and other information;
s12, determining an acquisition template of reconciliation result information, and performing summary display on the reconciliation results of each payment settlement system according to the acquisition template of the reconciliation result information, wherein the elements in the acquisition template of the reconciliation result information comprise: account checking date batch, account checking system, payment account name, collection account name, error reason, error processing state, error processing type (account complementing, correcting and ignoring), and the like.
Further, the S2 pipeline data information sending includes:
s21, the data acquisition script uploads the running data information and the reconciliation result information to a file for SFTP every day at regular time in a file form, and uploads a blank file ending with an 'OK' suffix after the file uploading is finished, so that the action of uploading the file is finished;
s22, the service end of the data center station detects the empty file at the end of the 'OK' suffix according to the preset time interval, if the empty file and the files corresponding to the flow data information and the reconciliation result information can be obtained, the S3 is entered, otherwise, the S22 is restarted; if the server of the data center station cannot acquire the empty file at the preset time interval, trying to acquire the file corresponding to the running data information and the reconciliation result information every 10 minutes in the next 1 hour, and if the file corresponding to the running data information and the reconciliation result information is acquired, entering S3 for processing; and if the files corresponding to the running water data information and the reconciliation result information cannot be obtained within 1 hour, sending an alarm short message, and re-invoking the task of obtaining the files corresponding to the running water data information and the reconciliation result information after manual intervention.
Further, the step S3 of displaying the pipeline data information includes:
and S31, after receiving the file corresponding to the flow data information, the data center firstly analyzes the file, then establishes a uniform flow data table in the database according to the date, and summarizes the flow data information of each payment settlement system into the flow data table on the date.
The analysis processing is to begin to analyze the file corresponding to the stream data information after the flow checks the 'OK' file, and comprises the following steps:
(1) reading a file corresponding to the stream data information into an internal memory according to lines;
(2) then, dividing the pipeline data corresponding to each line of files according to appointed field separators to obtain the pipeline field data in a pipeline data table, wherein the pipeline field data comprises fields such as payment settlement system numbers, global pipeline numbers, transaction dates, transaction time, payer account numbers, payer names, payee account numbers, payee names, transaction amounts, commission amounts, payer line numbers, payee line numbers, payer line names, payee line names, transaction initiation channels, incoming and outgoing account marks, transaction types, transaction states, system response codes, system response information, posters, abstracts, creation time, update time and the like;
(3) then writing the data of each stream field into a database insertion statement script according to the sequence of the database table fields, and circulating the steps until the analysis of all files corresponding to the stream data information is finished;
(4) and finally, executing a database insertion statement, and summarizing the flow data information of each payment settlement system into the flow data table.
S32, the data center station provides a unified flow query service to the unified operation management platform in a message interface mode, and the query conditions of the flow query service comprise screening and querying of elements such as a payment settlement system number, a transaction start date, a global flow number, a payer account, a payee account, a forward and backward account mark and the like;
s33, the data center station receives the query request of the unified operation management platform, if the query condition in the query request only contains data of one day, a table named by the date is found, and query is carried out according to the query condition; if the query condition in the query request contains data of multiple days, finding out tables containing the date and time period, querying the tables according to the query condition, summarizing and combining the queried data, and returning the summarized data to the unified operation management platform for unified display.
Further, the S4 error accounting presentation includes:
s41, when each payment settlement system checks accounts and account errors occur, triggering a short message reminding function, and informing business personnel of the corresponding payment settlement system of the account errors;
s42, the corresponding payment settlement system provides an account error query interface service for the unified operation management platform in the form of a message interface, the unified operation management platform displays all information of the account errors that need to be processed on the current day, and the information of the account errors includes: account checking system, payment account name, collection account, error processing status, error processing information (reconciled account, positive offset, ignore).
Further, the S5 error handling instruction sending comprises: and the unified operation management platform sends the error processing instruction to a corresponding payment settlement system in a message interface mode, and the corresponding payment settlement system carries out error processing according to the error processing instruction of the unified operation management platform.
Further, the S6 error handling includes:
s61, the error processing instructions for one transaction are processed by the following steps: if the error processing instruction is 'forward' for the transaction processed independently by the payment settlement system X1, the payment settlement system performs rollback processing on the accounts generated by the flow information of the transaction, and simultaneously marks the flow information of the transaction as 'checked account and leveled' state; if the error processing instruction is 'account compensation', the payment settlement system carries out accounting processing on the running information of the transaction again, and marks that the running information of the transaction is in 'account checked and leveled' state; if the error processing instruction is 'ignore', the payment settlement system sets the account checking state of the running information of the transaction as 'ignore';
s62, status confirmation: when the payment settlement system X1 completes the error processing, if the running information of the transaction is independently completed by the payment settlement system X1, a unified operation management platform is informed to inform the payment settlement system X1 of completing the error processing; if the running information of the transaction is the transaction requested by the previous payment and settlement system, namely the upstream system X2, sending a notification of transaction state synchronization to the upstream system X2 in a message interface mode, and simultaneously notifying a unified operation management platform to inform the payment and settlement system X1 of completing error processing;
s63, after receiving the notification of transaction state synchronization, the upstream system X2 changes the local transaction state into a synchronized transaction state, and makes a logic judgment according to the synchronized transaction state, and synchronously makes the error handling of the reconciliation or the reimbursement as described in S61;
s64, the upstream system X2 sending a message to the unified operations management platform, the message completing the error handling for the upstream system X2;
s65, executing S61-S64 in a loop until all errors of the payment settlement system are processed.
Further, the S8 position management and early warning includes:
s81, the unified operation management platform provides a position management page, and configures a position account, a position early warning threshold value and a payment settlement system corresponding to the position account;
position in the banking industry means how much money is in a money account. Position management refers to monitoring the money of the fund account through a technical or manual means, so that the money of the fund account is maintained within a reasonable interval so as to carry out daily business.
S82, the unified operation management platform sets a position early warning threshold value in the shared cache, the payment settlement system simultaneously maintains a position using amount after the position is rolled in the shared cache, if the amount exceeds the early warning threshold value, a short message early warning is sent.
The rolling difference refers to that business of coming and going of a banking payment system is divided into debit business and credit business, the debit business is bank deposit business, the credit business is bank withdrawal business, and the sum obtained by subtracting the total sum of the withdrawals from the total sum of the withdrawals is called rolling difference sum.
S83, when the short message early warning sent by the unified operation management platform is received by the payment settlement system, a service person of the payment settlement system calls a large payment system to credit account transaction at the unified operation management platform, and supplements the position of the corresponding position account in real time; meanwhile, the unified operation management platform adjusts the real-time position use limit value in the shared cache, so that the real-time position use limit value = the current position use limit-the supplement position;
and S84, the payment and settlement system provides a position real-time balance inquiry function in a position inquiry interface mode of the payment and settlement system, and the unified operation management platform displays the balance of the position by calling the position inquiry interface of the payment and settlement system.
Example two
As shown in fig. 2, the present embodiment provides a unified operation management platform of a multi-payment settlement system in a bank, including:
the running data acquisition module 101 is configured to install a data acquisition script on each independent payment settlement system in the multi-payment settlement system, and acquire running data information and reconciliation result information of each independent payment settlement system based on the data acquisition script;
a running data information and reconciliation result information sending module 102, configured to send the running data information and the reconciliation result information to a server of a data center station based on the data acquisition script;
the pipeline data information display module 103 is used for the data center station to merge and sort the pipeline data information, provide a data query interface, and display part or all of the pipeline data information according to a screening condition;
an error accounting display module 104, configured to display an error accounting to be processed in the reconciliation result based on the running data information of each payment settlement system and the reconciliation result information;
an error handling instruction transmitting module 105 including a unified error handling entry for transmitting an error handling instruction to each corresponding payment settlement system through the unified error handling entry;
an error processing module 106, configured to receive the error processing instruction of the unified operation management platform, complete error processing according to an error processing type included in the error processing instruction, and feed back a result of the error processing by the payment settlement system;
an error processing result display module 107, configured to receive the error processing result and perform unified display;
and the position management and early warning module 108 is used for calling the position balance inquiry of each payment settlement system, carrying out unified position management and initiating early warning when the position is lower than an early warning threshold value.
The system can implement the unified operation management method provided in the first embodiment, and the specific operation management method can be referred to the description in the first embodiment, which is not described herein again.
Fig. 3 is a data flow diagram of a unified operation management platform of the multi-payment settlement system of the bank in the embodiment, which includes three modules of unified flow query, unified error processing and unified position management. The unified flow line query display is completed through the data acquisition script and the data center merging and sorting processing; the unified error processing is completed by all payment settlement systems in linkage error processing; and unified management and early warning on the positions are realized by calling position inquiry and early warning programs.
The invention also provides a memory storing a plurality of instructions for implementing the method of embodiment one.
As shown in fig. 4, the present invention further provides an electronic device, which includes a processor 301 and a memory 302 connected to the processor 301, where the memory 302 stores a plurality of instructions, and the instructions can be loaded and executed by the processor, so as to enable the processor to execute the method according to the first embodiment.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention. It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (10)
1. A unified operation management method of a bank multi-payment settlement system is executed by a unified operation management platform system, and is characterized by comprising the following steps:
s1, collecting the running water data: respectively installing a data acquisition script in each independent payment settlement system in the multi-payment settlement system, and acquiring running data information and reconciliation result information of each independent payment settlement system based on the data acquisition script;
s2, sending the running data information and the reconciliation result information: sending the running data information and the reconciliation result information to a server of a data center station based on the data acquisition script;
s3, displaying the pipeline data information: the data center station merges and sorts the flow data information and provides a data query interface for the unified operation management platform system, and the unified operation management platform system displays part or all of the flow data information according to screening conditions;
s4, error accounting display: the unified operation management platform system displays error accounts to be processed in the account checking result based on the flow data information and the account checking result information of each payment settlement system;
s5, error handling instruction send: the unified operation management platform system comprises a unified error processing inlet, and an error processing instruction is sent to each corresponding payment settlement system through the unified error processing inlet;
s6, error handling: the payment settlement system receives the error processing instruction of the unified operation management platform system, completes error processing according to the error processing type contained in the error processing instruction, and feeds back the error processing result to the unified operation management platform system;
s7, error handling result showing: the unified operation management platform system receives the error processing result and performs unified display;
s8, position management and early warning: and the unified operation management platform system calls the position balance inquiry of each payment settlement system, performs unified position management, and initiates early warning when the position is lower than an early warning threshold value.
2. The unified operation management method for a multi-payment settlement system of a bank as claimed in claim 1, wherein said S1 pipeline data collection comprises:
s11, determining a data acquisition template of the flow data, and summarizing the flow of each payment settlement system according to the data acquisition template;
and S12, determining an acquisition template of the reconciliation result information, and performing summary display on the reconciliation results of the payment settlement systems according to the acquisition template of the reconciliation result information.
3. The unified operation management method for multi-payment settlement system for banks as claimed in claim 2, wherein said S2 pipeline data message transmission comprises:
s21, the data acquisition script uploads the running data information and the reconciliation result information to a file for SFTP every day at regular time in a file form, and uploads a blank file ending with an 'OK' suffix after the file uploading is finished, so that the action of uploading the file is finished;
s22, the service end of the data center station detects the empty file at the end of the 'OK' suffix according to a preset time interval, if the empty file, the pipeline data information and the file corresponding to the reconciliation result information can be obtained, the S3 is entered, otherwise, the S22 is restarted; if the server of the data center station cannot acquire the empty file at the preset time interval, trying to acquire the file corresponding to the running data information and the reconciliation result information every 10 minutes in the next 1 hour, and if the file corresponding to the running data information and the reconciliation result information is acquired, entering S3 for processing; and if the files corresponding to the running water data information and the reconciliation result information cannot be obtained within 1 hour, sending an alarm short message, and re-invoking the task of obtaining the files corresponding to the running water data information and the reconciliation result information after manual intervention.
4. The unified operation management method for multi-payment settlement system of bank as claimed in claim 3, wherein the step S3 of pipelining data information presentation comprises:
s31, after receiving the file corresponding to the flow data information, the data center firstly analyzes the file, then establishes a uniform flow data table in a database according to date, and summarizes the flow data information of each payment settlement system into the flow data table on the date;
s32, the data center station provides a uniform flow query service to the uniform operation management platform system in a message interface mode;
s33, the data center station receives the query request of the unified operation management platform system, if the query condition in the query request only contains data of one day, a table named by the date is found, and query is carried out according to the query condition; if the query condition in the query request contains data of multiple days, finding out tables containing the date and time period, querying the tables according to the query condition, summarizing and combining the queried data, and returning the summarized data to the unified operation management platform system for unified display.
5. The unified operation management method for multi-payment settlement system of bank as claimed in claim 4, wherein the parsing process is to start parsing the file corresponding to the stream data information after the process checks the "OK" file, comprising:
(1) reading a file corresponding to the stream data information into a memory according to lines;
(2) dividing the pipeline data corresponding to each line of the files according to an agreed field separator to obtain each pipeline field data in the pipeline data table;
(3) writing the data of each pipeline field into a database insertion statement script according to the sequence of the database table fields, and circulating the steps until the analysis of all files corresponding to the information of the pipeline data is finished;
(4) and executing database insertion statements, and summarizing the flow data information of each payment settlement system into the flow data table.
6. The unified operation management method for multi-payment settlement system for banks as claimed in claim 5, wherein said S4 error accounting exhibition comprises:
s41, when each payment settlement system checks accounts and account errors occur, triggering a short message reminding function, and informing business personnel of the corresponding payment settlement system of the account errors;
s42, the corresponding payment settlement system provides an account error query interface service for the unified operation management platform system in the form of a message interface, the unified operation management platform system displays all information of the account errors that need to be processed on the current day, and the information of the account errors includes: account checking system, payment account name, collection account, error processing state and error processing information.
7. The unified operation management method for a multi-payment settlement system for banks as claimed in claim 6, wherein said S5 error handling command transmission comprises: and the unified operation management platform system sends the error processing instruction to a corresponding payment settlement system in a message interface mode, and the corresponding payment settlement system carries out error processing according to the error processing instruction of the unified operation management platform system.
8. The unified operation management method for a multi-payment settlement system for banks as claimed in claim 7, wherein said S6 error process comprises:
s61, performing error processing on the error processing commands of one transaction: if the transaction is a transaction independently processed by the payment settlement system, the error processing instruction is 'correcting', the payment settlement system performs rollback processing on the accounts generated by the flow information of one transaction, and marks that the flow information of one transaction is in a 'checked account and leveled' state; if the error processing instruction is 'account compensation', the payment settlement system carries out accounting processing on the running information of the transaction again, and marks that the running information of the transaction is in 'account checked and leveled' state; if the error processing instruction is 'ignore', the payment settlement system sets the account checking state of the running information of the transaction as 'ignore';
s62, status confirmation: after the payment settlement system completes the error processing, if the running information of the transaction is independently completed by the payment settlement system, a unified operation management platform system is informed to inform the payment settlement system of completing the error processing; if the flow information of the transaction is the transaction requested by an upstream system, sending a synchronous notification of the transaction state to the upstream system in a message interface mode, and simultaneously notifying a unified operation management platform system to inform the payment settlement system of completing error processing;
s63, after the upstream system receives the notification of transaction state synchronization, the upstream system changes the local transaction state into the synchronized transaction state, makes logic judgment according to the synchronized transaction state, and synchronously makes the error processing of the forward charge or the reconnaissance as described in S61;
s64, the upstream system sends a message to the unified operation management platform system, and the message is the upstream system to complete the error processing;
s65, executing S61-S64 in a loop until all errors of the payment settlement system are processed.
9. The unified operation management method for a multi-payment settlement system of bank as claimed in claim 8, wherein said S8 position management and early warning comprises:
s81, providing a position management page, and configuring a position account, a position early warning threshold and a payment settlement system corresponding to the position;
s82, the unified operation management platform system sets a position early warning threshold value in the shared cache, the payment settlement system simultaneously maintains a position use limit after the position use limit is rolled in the shared cache, and if the limit exceeds the early warning threshold value, a short message early warning is sent;
s83: when the short message early warning sent by the unified operation management platform system is received by the payment settlement system, a service worker of the payment settlement system calls a large payment system to credit account transaction at the unified operation management platform system, and supplements the position of a corresponding position account in real time; meanwhile, the unified operation management platform system adjusts the real-time position use limit value in the shared cache, so that the real-time position use limit value = the current position use limit-the supplement position;
s84: the payment and settlement system provides a position real-time balance inquiry function in a position inquiry interface mode of the payment and settlement system, and the unified operation management platform system displays the balance of the position by calling the position inquiry interface of the payment and settlement system.
10. A unified operation management platform system of a bank multi-payment settlement system for implementing the method of any one of claims 1 to 9, comprising:
the flow data acquisition module is used for respectively installing a data acquisition script on each independent payment settlement system in the multi-payment settlement system and acquiring flow data information and reconciliation result information of each independent payment settlement system based on the data acquisition script;
the running data information and reconciliation result information sending module is used for sending the running data information and the reconciliation result information to a server of a data center station based on the data acquisition script;
the pipeline data information display module is used for merging and sequencing the pipeline data information by the data center, providing a data query interface and displaying part or all of the pipeline data information according to a screening condition;
the error account display module is used for displaying error accounts to be processed in the account checking result based on the running data information and the account checking result information of each payment settlement system;
an error handling instruction transmitting module including a unified error handling entry for transmitting an error handling instruction to each corresponding payment settlement system through the unified error handling entry;
the error processing module is used for the payment settlement system to receive the error processing instruction of the unified operation management platform system, complete error processing according to the error processing type contained in the error processing instruction and feed back the error processing result;
the error processing result display module is used for receiving the error processing result and uniformly displaying the error processing result; and
and the position management and early warning module is used for calling the position balance inquiry of each payment settlement system, carrying out unified position management and initiating early warning when the position is lower than an early warning threshold value.
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