CN115619415A - Financial transaction accounting method based on accounting rule configuration parameters - Google Patents
Financial transaction accounting method based on accounting rule configuration parameters Download PDFInfo
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Abstract
The invention provides a financial transaction accounting method based on accounting rule configuration parameters, which relates to the technical field of transaction data accounting, and comprises the following steps: carrying out parameterization configuration on transaction information in a service system through an accounting engine model; acquiring transaction information of a business system, classifying the current business system through parameterized configuration of an accounting engine, judging an affiliated mechanism of the current business system, and configuring channels according to the affiliated mechanism; the invention can automatically distinguish the industry type, the organization type, the product type and the like of the business system by setting the accounting engine model so as to automatically match the optimal accounting path, thereby solving the problem that the prior accounting method has insufficient financial accounting adaptability for different business systems.
Description
Technical Field
The invention relates to the technical field of transaction data accounting, in particular to a financial transaction accounting method based on accounting rule configuration parameters.
Background
By financial transactions is meant all transactions involving changes in ownership of financial assets of an institution entity, including the generation and settlement of financial debt and liability. In the financial transaction, on one hand, an organization unit forms or disposes the financial assets and offsets the later net acquisition of the financial assets; on the other hand, debt can be generated and paid out, and the net occurrence of debt is counteracted.
The existing accounting method has low adaptability, and specifically refers to the following prior art documents with reference to the application numbers: CN112613967a discloses a method for processing service transaction data in the existing document 1, which classifies all service transactions in advance and configures parameters describing the corresponding relationship between service transactions and meeting records. And the accounting engine determines the business type of the transaction according to the identification carried by the transaction flow information, inquires the preset parameters corresponding to the business type, generates bookkeeping flow and sends the bookkeeping flow to the financial system. Reference application No.: the existing file 2 of CN111699486B also discloses a method for accounting system, which collects, analyzes and documents business transactions, and stores transaction subject mapping table and entry template in advance for each transaction category. The method comprises the steps of obtaining transaction codes through analysis according to the accounting request information, inquiring accounting subjects corresponding to transactions from a prestored transaction subject mapping table, and writing transaction amount, accounting subjects and lending directions into an entry template to generate accounting information. Reference application No.: CN112785403A discloses an accounting method in existing document 3, which includes account set configuration, accounting subject configuration and account configuration based on basic configuration, and supports configuration of a service scenario and a meeting score recording template. And identifying the corresponding service scene according to the accounting code attached to the accounting data, so as to query and obtain the entry configuration to generate the voucher entry data, and performing account accounting after verifying through the loan balance rule, thereby effectively improving the system stability during service change or expansion. However, the above accounting method has the following drawbacks: loose coupling of accounting and business transaction is not fully considered, business processing rule parameters are not comprehensive enough, applicability is low, and flexibility is poor. Meanwhile, the adaptability and the convenience of the accounting system and the financial system are not considered in the prior art, when the accounting rule is configured, accounting subjects and account information need to be configured first, and therefore when the accounting subjects or accounts of the financial system are changed, the accounting subjects or accounts need to be updated synchronously.
Disclosure of Invention
Aiming at the defects in the prior art, the invention aims to provide a financial transaction accounting method based on accounting rule configuration parameters, which can automatically distinguish the industry type, the organization type, the product type and the like of a business system by setting an accounting engine model so as to automatically match an optimal accounting path, thereby solving the problem that the existing accounting method has insufficient financial accounting adaptability for different business systems.
In order to achieve the above object, a financial transaction accounting method based on accounting rule configuration parameters, the accounting method comprising the steps of:
carrying out parameterization configuration on transaction information in a service system through an accounting engine model;
acquiring transaction information of a business system, classifying the current business system through parameterized configuration of an accounting engine, judging an affiliated mechanism of the current business system, and configuring channels according to the affiliated mechanism;
setting corresponding transaction configuration in a corresponding channel, and performing transaction matching on transaction information according to the transaction configuration;
and carrying out accounting rule configuration on the transaction information after transaction matching, converting the transaction information according to the accounting rules, and summarizing and posting the converted information.
Furthermore, the accounting engine model is configured with an accounting database, a channel configuration table a, a transaction configuration table B and an entry configuration table C are stored in the accounting database, the channel configuration table a is used for performing service splitting from the affiliated institution dimension of the service system, and docking the transaction information of the split service system with a channel configuration; the transaction configuration table B is used for defining a service scene and carrying out multiple transaction configurations in a single channel; the entry configuration table C is used for providing the configuration of entry conversion and corresponding the configuration transaction table B to the specific configuration of entry conversion.
Further, the channel configuration table a is used for configuring channel information according to an organization to which the service system belongs; the channel configuration method comprises the following steps: setting a universal channel and a plurality of customized channels, respectively configuring a universal routing direction and a plurality of customized routing directions for the universal channel and the customized channels, wherein the customized routing directions respectively correspond to the customized channels, the universal routing direction is used for transmitting the transaction information of the service system to the universal channel, and the customized routing directions are used for transmitting the transaction information of the service system to the customized channels;
the fields in the channel configuration table a include: channel number, channel name, channel type, whether to audit, routing direction, and routing information.
Further, the transaction configuration table B is used for configuring transactions in a specific channel, and a plurality of transaction classification information are configured in a combined manner according to different fields in a single transaction channel to match with specific transactions of a business system; the transaction classification information comprises an amount type and a collection and payment mode, the amount type can be configured into principal, interest price and interest tax, and the collection and payment mode can be configured into income and expenditure;
the fields in the transaction configuration table B include: transaction code, transaction name, amount type, payment mode, whether to enter account and amount form before and after form transfer.
Further, the fields in the entry configuration table C include: subject type, loan direction, subject number, cash item number, positive and negative directions, summary information and whether balance check is carried out; the account type configurable items comprise principal, interest price and interest tax, the loan direction configurable items comprise loan and loan, the account number is used for selecting a specific account according to the account type, the cash item number is selected according to the affiliated organization, and the positive and negative selectable items are positive and negative.
Further, acquiring transaction information of the business system, classifying the current business system through parameterization configuration of the accounting engine model, judging the affiliated mechanism of the current business system, and performing channel configuration according to the affiliated mechanism further comprises: the business system initiates transaction information comprising a channel number, a transaction code and transaction information, judges whether the mechanism to which the current business system belongs is independently checked through a checking engine model, and transmits the transaction information of the business system to a customized channel through a customized routing direction according to the type of the mechanism if the mechanism to which the current business system belongs is independently checked; if not, the transaction information of the service system is transmitted to the universal channel through the universal route direction.
Further, acquiring transaction information of the business system, classifying the current business system through the parameterized configuration of the accounting engine model, judging the affiliated mechanism of the current business system, and configuring channels according to the affiliated mechanism further comprises: judging whether the independent accounting business system can carry out a general accounting mode, if not, transmitting the transaction information of the business system to a customized channel through a customized routing direction according to the type of the mechanism to which the business system belongs; if yes, selecting a customized channel or a universal channel by a channel selection method;
the channel selection method comprises the following steps: acquiring accounting time length, accounting error rate and accounting cost when a business system adopts a customized channel to perform independent accounting, and calculating by using a customized calculation formula to obtain the use value of the customized channel; the customization calculation formula is as follows:
(ii) a Pdz is a use value of the customized channel, td, ld and Bd are respectively an accounting duration, an accounting error rate and an accounting cost when the customized channel is used for independent accounting, a1, a2 and a3 are respectively an accounting duration conversion ratio, an accounting error rate conversion ratio and an accounting cost conversion ratio when the customized channel is used for independent accounting, a1, a2 and a3 are constants, and a1, a2 and a3 are all larger than zero;
obtaining accounting duration of business system adopting general channelAccounting error rate and accounting cost; calculating to obtain the use value of the universal channel through a universal use calculation formula; the general usage calculation formula is:
(ii) a Wherein Pty is a general channel use value, tt, lt and Bt are respectively an accounting time length, an accounting error rate and an accounting cost of adopting a general channel, b1, b2 and b3 are respectively an accounting time length conversion ratio, an accounting error rate conversion ratio and an accounting cost conversion ratio of adopting a general channel, b1, b2 and b3 are constants, and b1, b2 and b3 are all larger than zero;
when the use value of the customized channel is smaller than that of the universal channel, selecting the universal channel; and when the use value of the customized channel is greater than or equal to that of the universal channel, selecting the customized channel.
Further, setting transaction configuration in the corresponding channel, and performing transaction matching on the transaction information according to the transaction configuration further comprises: matching a corresponding channel and a corresponding transaction code according to a channel number and the transaction code in the transaction information of the service system, performing basic verification on whether the channel and the transaction exist, returning error reporting information if the verification fails, and connecting a channel configuration table A to obtain channel configuration information after the verification passes;
and acquiring transaction information through the transaction configuration table B, matching the current business based on the amount type, the collection and payment mode, whether to enter account and the amount form before and after form transfer in the table B, finishing the process if the matching fails, and converting the business data into the certificate entry data according to the information of the transaction configuration table B associated entry configuration table C if the matching succeeds.
Further, the configuration of the accounting rules is performed on the transaction information after the transaction matching, the transaction information is converted according to the accounting rules, and the gathering and posting of the converted information further includes: if one-time service initiation in the service system comprises a plurality of pieces of service data to be accounted, processing is carried out in sequence; and after all the to-be-checked business data are processed, configuring whether a balance check configuration item is configured according to the entry configuration table C, and performing balance check verification on the certificate entry needing balance check, wherein the verification rule is that the debit and credit direction is debit sum, and the debit and credit direction is credit sum.
Further, the configuration of the accounting rules is performed on the transaction information after the transaction matching, the transaction information is converted according to the accounting rules, and the gathering and posting of the converted information further includes: when the balance check passes, the same data combination is carried out according to the subject number, the cash item number and the positive and negative directions in the configuration of the entry configuration table C;
generating service accounting data after the data combination is completed, registering the service accounting data into a table F, and registering the accounting voucher entry data into a warehouse;
and pushing the voucher entry data in the table F after the accounting is finished to a corresponding general ledger system according to the routing direction in the table A for carrying out the accounting operation, updating the accounting state of the table F after the accounting is finished, and outputting the processing result to a service system.
The invention has the beneficial effects that: the invention can convert business transaction data into accounting data, reduce the strong coupling degree of business system functions and accounting rules, and enhance the fusion degree of business data and financial data. The advantages of the invention after the construction of the accounting engine are as follows:
1) The business system no longer needs to pay attention to financial billing detail rules;
the business system carries out parameterization accounting rule configuration on accounting scenes needing to be used in an accounting engine module, financial entry calculation is carried out according to a table A matching channel, a table B matching transaction and a table C after the configuration rule is completed, all matching and entry-recording conversion functions are automatically completed in the accounting engine module, and after the accounting is completed, the entry-recording data are sent to a general ledger for accounting through a routing rule configured in the table A. In the whole accounting process, the service system does not need to pay attention to accounting knowledge, and only needs to carry out service data butt joint according to an externally exposed interface of an accounting engine; and the accounting function provided by the accounting engine is realized, and the business system is not carried out based on the traditional mode of accounting entry of the business system and the accounting system. The account checking can be quickly completed only by the business system and the accounting engine to check the single business processing state, and the specific entry account checking is handed to the accounting engine and the general account for account checking; the complexity and difficulty of operations such as business system bookkeeping, red rush, account wiping, account checking and the like are greatly reduced on the whole.
2) The configuration of the accounting rules is diversified;
the accounting engine provides a table A, a table B and a table C, the accounting engine is configured, business is split from the mechanism or industry dimension through the table A, a specific business scene is defined based on the table B, and the table C provides the configuration of accounting entry conversion; through the integral relation, the accounting engine not only supports the accounting of a certain scene, but also pre-configures the parameters of the table A, the table B and the table C in the accounting engine module, and then the business system is in butt joint with the finance through the accounting engine. Not only is the coupling degree between a business system and a financial system reduced, but also the diversity of the accounting engine in butting the financial general ledger is expanded; the adaptability of the accounting method is improved.
3) The decoupling of a business system and a financial system is realized;
by building an accounting engine between the business system and the general ledger system, the business system and the general ledger are not in a strong coupling state. The accounting engine provides two docking modes of synchronization and asynchronization for the outside, the business system selects a proper mode to dock according to the actual requirement of the business system, and all process data generated by docking are processed by the accounting engine; the service system realizes asynchronous execution of service processing and financial accounting by butting an accounting engine asynchronous interface, and provides better user experience for the service system; by routing configuration in the accounting engine table a, the business system no longer needs to directly focus on the general ledger. When the general ledger needs to be replaced, the routing mode is switched to a new general ledger through an accounting engine, and therefore the work of interface change, system function development and the like brought to a service system is reduced.
4) The business system has more choices for connecting finance;
because the business system carries out the accounting through the butt joint accounting engine, and the accounting engine provides the route matching for the butt joint general ledger, the accounting is not only based on the accounting of a single general ledger for the business system, but also can support the accounting of a plurality of general ledgers and a plurality of subject systems through the route configured by the accounting engine.
Advantages of additional aspects of the invention will be set forth in part in the description of the embodiments which follows, and in part will be obvious from the description, or may be learned by practice of the invention.
Drawings
Other features, objects and advantages of the invention will become more apparent upon reading of the detailed description of non-limiting embodiments with reference to the following drawings:
FIG. 1 is a flow chart of the steps of the accounting method of the present invention.
FIG. 2 is a flowchart of an accounting process in accordance with an embodiment of the present invention.
Detailed Description
It is to be understood that the following detailed description is exemplary and is intended to provide further explanation of the invention as claimed. Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs.
It is noted that the terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of exemplary embodiments according to the invention.
The embodiments and features of the embodiments of the present invention may be combined with each other without conflict.
Referring to fig. 1, the present invention provides a financial transaction accounting method based on accounting rule configuration parameters, specifically, the accounting method includes the following steps:
step S1, carrying out parameterization configuration on transaction information in a service system through an accounting engine model; an accounting database is configured in an accounting engine model in the step S1, and a channel configuration table A, a transaction configuration table B and an entry configuration table C are stored in the accounting database, wherein the channel configuration table A is used for carrying out service splitting from the mechanism dimension of a service system and butt-jointing transaction information of the split service system with a channel configuration; the channel configuration table A is used for configuring channel information according to the affiliated organization of the service system; the channel configuration method comprises the following steps: setting a universal channel and a plurality of customized channels, respectively configuring a universal routing direction and a plurality of customized routing directions for the universal channel and the customized channels, wherein the customized routing directions respectively correspond to the customized channels, the universal routing direction is used for transmitting the transaction information of the service system to the universal channel, and the customized routing directions are used for transmitting the transaction information of the service system to the customized channels;
the fields in channel configuration table a include: channel number, channel name, channel type, whether to audit, routing direction, and routing information.
The transaction configuration table B is used for defining a service scene and carrying out multiple transaction configurations in a single channel; the transaction configuration table B is used for configuring transactions in a specific channel, and matching with specific transactions of a business system is carried out by configuring various transaction classification information in a combined manner according to different fields in a single transaction channel; the transaction classification information comprises an amount type and a collection and payment mode, the amount type can be configured into principal, interest price and interest tax, and the collection and payment mode can be configured into income and expenditure;
the fields in transaction configuration table B include: transaction code, transaction name, amount type, payment mode, whether to enter account and amount form before and after form transfer.
The entry configuration table C is used for providing the configuration of entry conversion and corresponding the configuration transaction table B to the specific configuration of entry conversion; the fields in entry configuration table C include: subject type, loan direction, subject number, cash item number, positive and negative directions, summary information and whether balance check is carried out; the account type configurable items comprise principal, interest price and interest tax, the loan direction configurable items comprise loan and loan, the account number is used for selecting a specific account according to the account type, the cash item number is selected according to the affiliated organization, and the positive and negative selectable items are positive and negative.
S2, acquiring transaction information of the business system, classifying the current business system through the parameterized configuration of the accounting engine, judging the affiliated mechanism of the current business system, and configuring channels according to the affiliated mechanism; step S2 further includes the steps of:
step S21, the business system initiates transaction information including channel number, transaction code and transaction information, judges whether the mechanism to which the current business system belongs is independently checked through a checking engine model, and transmits the transaction information of the business system to a customized channel through a customized routing direction according to the type of the mechanism if the mechanism to which the business system belongs is independently checked; if not, the transaction information of the service system is transmitted to the universal channel through the universal route direction.
Step S22, judging whether the service system of independent accounting can carry out a general accounting mode, if not, transmitting the transaction information of the service system to a customized channel through a customized routing direction according to the type of the mechanism to which the service system belongs; if yes, selecting a customized channel or a universal channel by a channel selection method;
the channel selection method comprises the following steps:
step S221, acquiring accounting duration, accounting error rate and accounting cost when the business system adopts the customized channel to perform independent accounting, and calculating by using a customized calculation formula to obtain the use value of the customized channel; the custom usage calculation formula is:
(ii) a The method comprises the following steps that Pdz is a customized channel use value, td, ld and Bd are respectively accounting duration, accounting error rate and accounting cost when a customized channel is adopted for independent accounting, a1, a2 and a3 are respectively accounting duration conversion ratio, accounting error rate conversion ratio and accounting cost conversion ratio when the customized channel is adopted for independent accounting, a1, a2 and a3 are constants, and a1, a2 and a3 are all larger than zero; in specific implementation, a1, a2 and a3 are used for converting the accounting time length, the accounting error rate and the accounting cost in independent accounting into values which can be referred to each other, the value range of a1 is between 0 and 1, the value range of a2 is between 1 and 100, and the value range of a3 is between 0 and 0.1.
Step S222, acquiring accounting time, accounting error rate and accounting cost of a general channel adopted by a service system; calculating by using a general calculation formula to obtain a general formulaThe utility value of the type channel; the general usage calculation formula is:
(ii) a Wherein Pty is a general channel use value, tt, lt and Bt are respectively an accounting time length, an accounting error rate and an accounting cost of adopting a general channel, b1, b2 and b3 are respectively an accounting time length conversion ratio, an accounting error rate conversion ratio and an accounting cost conversion ratio of adopting a general channel, b1, b2 and b3 are constants, and b1, b2 and b3 are all larger than zero; in specific implementation, b1, b2 and b3 are used for converting the accounting time length, the accounting error rate and the accounting cost of the general channel into values which can be referred to each other, the value range of b1 is between 0 and 1, the value range of b2 is between 1 and 100, and the value range of b3 is between 0 and 0.1
Step S223, when the use value of the customized channel is smaller than that of the universal channel, selecting the universal channel; when the use value of the customized channel is greater than or equal to that of the universal channel, selecting the customized channel; the accounting error rate is obtained by the ratio of the accounting error times to the accounting total times;
the accounting cost of the customized channel is configured with a customized cost calculation method, and the customized cost calculation method comprises the following steps:
step S2211, obtaining the use frequency and purchase price of the customized channel, and calculating by a customized cost calculation formula to obtain the accounting cost of the customized channel; the custom cost calculation formula is configured as:
(ii) a Jd and fd are respectively the use frequency and purchase price of the customized channel; the purchase price is obtained according to the purchase cost of the business system, and the use frequency is obtained by the average use times per day in a month unit.
The accounting cost of the universal channel is configured with a universal cost calculation method, and the universal cost calculation method comprises the following steps:
step S2221, obtaining the number and frequency of service systems using general channelsCalculating the accounting cost of the universal channel through a universal cost calculation formula; the general cost calculation formula is configured as:
(ii) a Wherein St, ft, and Jt are the number of business systems using the universal channel, the frequency of use, and the purchase price, respectively. The number of the service systems using the universal channel is specifically that several service systems use the universal channel, the purchase price is obtained according to the purchase cost of the service system, and the use frequency is obtained by the average use times per day in a month unit.
S3, setting corresponding transaction configuration in a corresponding channel, and performing transaction matching on transaction information according to the transaction configuration; step S3 further includes the steps of:
step S31, matching a corresponding channel and a corresponding transaction code according to a channel number and a transaction code in transaction information of a service system, performing basic verification on whether the channel and the transaction exist, returning error reporting information if the verification fails, and connecting a channel configuration table A to acquire channel configuration information after the verification passes;
step S32, transaction information is obtained through the transaction configuration table B, the amount type, the collection and payment mode, whether the account is posted and the amount form before and after form transfer in the table B are matched with the current business, if the matching fails, the process is ended, and if the matching succeeds, the business data is converted into voucher entry data according to the information of the transaction configuration table B associated entry configuration table C;
step S33, if one-time service initiation in the service system contains a plurality of pieces of service data to be accounted, the processing is carried out in sequence; after all the business data to be checked are processed, whether a configuration item is balanced or not is configured according to the entry configuration table C, and balance check verification is carried out on the certificate entries needing balance check; and the check rule is that the debit direction is debit sum = the debit direction is credit sum.
S4, carrying out accounting rule configuration on the transaction information after transaction matching, converting the transaction information according to the accounting rules, and gathering and posting the converted information; step S4 further includes the steps of:
step S41, when the balance check passes, the same data combination is carried out according to the subject number, the cash item number and the positive and negative directions in the allocation of the entry configuration table C;
step S42, generating service accounting data after the data combination is completed, registering the service accounting data into a table F, and registering the accounting voucher entry data into a warehouse;
and S43, pushing the accounting-completed voucher entry data in the table F to a corresponding general ledger system for accounting operation according to the routing direction in the table A, updating the accounting state of the table F after accounting is completed, and outputting the processing result to a service system.
In specific implementation, referring to fig. 2, fig. 2 is a flowchart of an accounting processing process in specific implementation of the present invention, which includes first obtaining transaction information of a business system, automatically obtaining industry information, determining whether to perform independent accounting, mapping an independent accounting subject system to the transaction information when the transaction information is independent accounting, determining an organization list to which the transaction information belongs when the transaction information is not independent accounting, and uniformly outputting the transaction information and the industry information to perform conversion, determining whether unconverted information exists, if the unconverted information is not directly output and a certificate is entered into account, if converted information exists, converting the converted information one by one into certificate information, determining whether the conversion is successful, determining whether unconverted information exists in the next piece of information after balance check is performed successfully, and if the conversion is unsuccessful, reporting an error and ending.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media having computer-usable program code embodied in the medium. The storage medium may be implemented by any type of volatile or nonvolatile storage device or combination thereof, such as a Static Random Access Memory (SRAM), an Electrically Erasable Programmable Read-Only Memory (EEPROM), an Erasable Programmable Read-Only Memory (EPROM), a Programmable Read-Only Memory (PROM), a Read-Only Memory (ROM), a magnetic Memory, a flash Memory, a magnetic disk, or an optical disk. 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.
The above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. A financial transaction accounting method based on accounting rule configuration parameters, the accounting method comprising the steps of:
carrying out parameterization configuration on transaction information in a service system through an accounting engine model;
acquiring transaction information of a business system, classifying the current business system through parameterized configuration of an accounting engine, judging an affiliated mechanism of the current business system, and configuring channels according to the affiliated mechanism; judging whether the mechanism to which the current business system belongs is independently checked through a checking engine model, if so, transmitting the transaction information of the business system to a customized channel through a customized routing direction according to the type of the mechanism to which the business system belongs; if not, transmitting the transaction information of the service system to a universal channel through a universal routing direction;
judging whether the business system with independent accounting can carry out a general accounting mode, if not, transmitting the transaction information of the business system to a customized channel through a customized routing direction according to the type of the mechanism to which the business system belongs; if yes, selecting a customized channel or a universal channel by a channel selection method; the channel selection method comprises the following steps: acquiring accounting time length, accounting error rate and accounting cost when a business system adopts a customized channel to perform independent accounting, and calculating by using a customized calculation formula to obtain the use value of the customized channel; acquiring accounting time length, accounting error rate and accounting cost of a service system adopting a general channel; calculating to obtain the use value of the universal channel through a universal use calculation formula; when the use value of the customized channel is smaller than that of the universal channel, selecting the universal channel; when the use value of the customized channel is greater than or equal to that of the universal channel, selecting the customized channel;
setting corresponding transaction configuration in a corresponding channel, and performing transaction matching on transaction information according to the transaction configuration;
and carrying out accounting rule configuration on the transaction information after transaction matching, converting the transaction information according to the accounting rules, and summarizing and posting the converted information.
2. The financial transaction accounting method based on accounting rule configuration parameters of claim 1, wherein the accounting engine model is configured with an accounting database, a channel configuration table a, a transaction configuration table B and an entry configuration table C are stored in the accounting database, the channel configuration table a is used for performing service splitting from the affiliated institution dimension of the service system, and the transaction information of the split service system is configured in a docking channel; the transaction configuration table B is used for defining a service scene and carrying out multiple transaction configurations in a single channel; the entry configuration table C is used for providing the configuration of entry conversion and corresponding the configuration transaction table B to the specific configuration of entry conversion.
3. The financial transaction accounting method based on accounting rule configuration parameters of claim 2, wherein the channel configuration table a is used for configuring channel information according to the affiliated institution of the business system; the channel configuration method comprises the following steps: setting a universal channel and a plurality of customized channels, respectively configuring a universal routing direction and a plurality of customized routing directions for the universal channel and the customized channels, wherein the customized routing directions respectively correspond to the customized channels, the universal routing direction is used for transmitting the transaction information of the service system to the universal channel, and the customized routing directions are used for transmitting the transaction information of the service system to the customized channels;
the fields in the channel configuration table a include: channel number, channel name, channel type, whether to audit, routing direction, and routing information.
4. The financial transaction accounting method based on accounting rule configuration parameters of claim 2, wherein the transaction configuration table B is used for configuring transactions under specific channels, and matching with specific transactions of a business system is performed by configuring a plurality of transaction classification information according to different fields in a single transaction channel by combination; the transaction classification information comprises an amount type and a collection and payment mode, the amount type can be configured into principal, interest price and interest tax, and the collection and payment mode can be configured into income and expenditure;
the fields in the transaction configuration table B include: transaction code, transaction name, amount type, payment mode, whether to enter account and amount form before and after form transfer.
5. The financial transaction accounting method based on accounting rule configuration parameters of claim 2, wherein the fields in the entry configuration table C comprise: subject type, loan direction, subject number, cash item number, positive and negative direction, abstract information and whether balance check is carried out; the account type configurable items comprise principal, interest price and interest tax, the loan direction configurable items comprise loan and loan, the account number is used for selecting a specific account according to the account type, the cash item number is selected according to the affiliated organization, and the positive and negative selectable items are positive and negative.
6. The financial transaction accounting method based on the accounting rule configuration parameters of any one of claims 2 to 5, wherein the transaction information initiated by the business system comprises a channel number, a transaction code and transaction information.
7. The financial transaction accounting method based on accounting rule configuration parameters of claim 6, wherein the customized usage calculation formula is:
(ii) a The method comprises the following steps that Pdz is a customized channel use value, td, ld and Bd are respectively accounting duration, accounting error rate and accounting cost when a customized channel is adopted for independent accounting, a1, a2 and a3 are respectively accounting duration conversion ratio, accounting error rate conversion ratio and accounting cost conversion ratio when the customized channel is adopted for independent accounting, a1, a2 and a3 are constants, and a1, a2 and a3 are all larger than zero;
the general usage calculation formula is:
(ii) a Wherein Pty is a general channel use value, tt, lt and Bt are respectively an accounting time length, an accounting error rate and an accounting cost of adopting a general channel, b1, b2 and b3 are respectively an accounting time length conversion ratio, an accounting error rate conversion ratio and an accounting cost conversion ratio of adopting a general channel, b1, b2 and b3 are constants, and b1, b2 and b3 are all larger than zero.
8. The financial transaction accounting method based on accounting rule configuration parameters of claim 6, wherein setting transaction configuration in a corresponding channel, and performing transaction matching on transaction information according to the transaction configuration further comprises: matching a corresponding channel and a corresponding transaction code according to a channel number and the transaction code in the transaction information of the service system, performing basic verification on whether the channel and the transaction exist, returning error reporting information if the verification fails, and connecting a channel configuration table A to obtain channel configuration information after the verification passes;
and acquiring transaction information through the transaction configuration table B, matching the current business based on the amount type, the collection and payment mode, whether to enter account and the amount form before and after form transfer in the table B, finishing the process if the matching fails, and converting the business data into the certificate entry data according to the information of the transaction configuration table B associated entry configuration table C if the matching succeeds.
9. The financial transaction accounting method based on accounting rule configuration parameters of claim 8, wherein the accounting rule configuration is performed on the transaction information after transaction matching, the transaction information is converted according to the accounting rule, and the converted information is collected and posted, further comprising: if one-time service initiation in the service system comprises a plurality of pieces of service data to be accounted, processing is carried out in sequence; after all the business data to be checked are processed, whether a configuration item is balanced or not is configured according to the entry configuration table C, and balance check verification is carried out on the certificate entries needing balance check; and the verification rule is that the debit direction is debit sum = the debit direction is credit sum.
10. The financial transaction accounting method based on accounting rule configuration parameters of claim 9, wherein the accounting rule configuration is performed on the transaction information after transaction matching, the transaction information is converted according to the accounting rule, and the converted information is collected and posted, further comprising: when the balance check passes, the same data combination is carried out according to the subject number, the cash item number and the positive and negative directions in the configuration of the entry configuration table C;
generating service accounting data after the data combination is completed, registering the service accounting data into a table F, and registering the accounting voucher entry data into a warehouse;
and pushing the voucher entry data in the table F after the accounting is finished to a corresponding general ledger system according to the routing direction in the table A for carrying out the accounting operation, updating the accounting state of the table F after the accounting is finished, and outputting the processing result to a service system.
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