CN116228225A - Matching method and system for automatic matching wallet by online recharging - Google Patents
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Abstract
The invention provides a matching method and a system for an online recharging automatic matching wallet. The matching method comprises the steps of setting different automatic account checking periods according to different payment platforms, payment modes, service types and service settlement periods of an online recharging service; acquiring recharging data and wallet data in the checking period, and performing data cleaning on the recharging data and the wallet data to obtain an effective transaction record in the checking period; and matching the recharging data with wallet data, obtaining successfully matched transaction records and unsuccessfully matched transaction records, performing exception processing on the unsuccessfully matched transaction records, and performing wallet balance updating processing on the successfully matched transaction records. The matching system comprises modules corresponding to the steps of the matching method.
Description
Technical Field
The invention provides a matching method and a matching system for an online recharging automatic matching wallet, and belongs to the technical field of online recharging wind control.
Background
Online recharging is one of the widely used payment methods in modern society, and its convenience and rapidity make it popular for many people. In performing online replenishment, the user needs to transfer funds into their online payment account and then use those funds to make a purchase or payment.
However, when users use online recharging, sometimes problems with matching wallets are encountered. This means that the user has to manually enter the wallet address they want to use when recharging, which may lead to input errors, resulting in lost funds and wasted time.
In order to solve this problem, many online payment platforms have developed an automatic wallet matching function, so that a user does not need to manually input a wallet address, and can finish recharging by clicking several buttons. However, the existing automatic online recharging needs to be matched between the recharging system and the wallet system, so that the wallet matching delay in the prior art is high, and the problem that the online recharging and wallet matching efficiency is low is caused.
Disclosure of Invention
The invention provides a matching method and a system for automatic matching wallet by online recharging, which are used for solving the problem of lower efficiency of matching wallet by online recharging caused by larger wallet matching delay in the prior art, and the adopted technical scheme is as follows:
a matching method for automatically matching wallets with online recharging, the matching method comprising:
setting different automatic account checking periods according to different payment platforms, payment modes, service types and service settlement periods of the online recharging service;
Acquiring recharging data and wallet data in the checking period, and performing data cleaning on the recharging data and the wallet data to obtain an effective transaction record in the checking period;
and matching the recharging data with wallet data, obtaining successfully matched transaction records and unsuccessfully matched transaction records, performing exception processing on the unsuccessfully matched transaction records, and performing wallet balance updating processing on the successfully matched transaction records.
Further, setting different automatic reconciliation cycles according to different paytables, payment modes, service types and service requirements of the online recharging service, including:
extracting an online recharging service history record of a user, and acquiring a payment platform corresponding to the online recharging service;
acquiring a payment mode, a payment service type and a service settlement period corresponding to the service type corresponding to each payment platform of a user; wherein the service settlement period is typically 1 month (i.e., 30 days or 31 days);
setting an automatic account checking period according to the payment mode, the payment service type and the service settlement period corresponding to the service type;
the business reconciliation period is obtained through the following formula:
Wherein, T d representing a business reconciliation period;mrepresenting the total number of payment services per day;nrepresenting the number of payment means types;W 01 an online top-up payment total representing financial product transactions within a single business settlement period;λ 01 the weight coefficient corresponding to the financial product transaction type is represented;krepresenting the number of other online recharging business transaction types besides the financial product transaction type;W i1 represent the firstiThe total amount of line recharging payment of other line recharging business transaction types in a single business settlement period;λ i1 represent the firstiWeight coefficients corresponding to other online recharging business transaction types in a single business settlement period;T 0 a reference time period is indicated and,T 0 the value of (2) is 30 days.
Further, obtaining recharging data and wallet data in the reconciliation period, and performing data cleaning on the recharging data and wallet data to obtain an effective transaction record in the reconciliation period, including:
extracting a transaction record of a user ID on a payment platform at the end time of the reconciliation period;
acquiring a first information group of a user in the current account checking period through the transaction record, wherein the first information group is recharging data; the first information group comprises first order number information, first transaction flow information, first recharging amount information and first recharging time information;
Extracting wallet data records of a wallet system corresponding to the user ID at the end time of the reconciliation period;
acquiring a second information group of the wallet account of the user through the wallet data record, wherein the second information group is wallet data; the second information group comprises second order number information, second transaction flow information, second recharging amount information, second recharging time information and wallet balance information;
and carrying out data cleaning on the first information group and the second information group, removing repeated transaction records and invalid transaction records, and obtaining valid transaction records in the reconciliation period.
Further, the recharging data and wallet data are matched, a successfully matched transaction record and a failed transaction record are obtained, the failed transaction record is processed abnormally, and wallet balance update processing is performed on the successfully matched transaction record, including:
extracting first order number information, first transaction flow information, first recharging amount information and first recharging time information in the current checking period in the recharging data;
extracting second order number information, second transaction flow information, second recharging amount information and second recharging time information in the current checking period in the wallet data;
Matching the first order number information, the first transaction running information, the first recharging amount information and the first recharging time information correspondingly with the second order number information, the second transaction running information, the second recharging amount information and the second recharging time information to obtain a matching result and a checking report;
extracting a transaction record which is successfully matched in the reconciliation report, and automatically adding the recharging amount to a corresponding wallet system aiming at the transaction record which is successfully matched to generate a new wallet balance;
extracting transaction records with failed matching in the reconciliation report and transaction records with only unmatched recharging amount information; the transaction record with the failed matching is used as a first transaction record to be checked, and the transaction record with only the unmatched recharging amount information is used as a second transaction record to be checked;
and performing anomaly detection processing on the first to-be-detected transaction record and the second to-be-detected transaction record.
Further, the performing anomaly detection processing on the first to-be-detected transaction record and the second to-be-detected transaction record includes:
extracting transaction flow information and transaction amount information of a second transaction record to be checked, and judging whether intermediate fees exist in the transaction amount information corresponding to the transaction flow, wherein the intermediate fees comprise commission fees, exchange rates and the like;
If the transaction amount information has intermediate cost, judging whether the amount difference value corresponding to the mismatch of the intermediate cost and the recharging amount information is consistent, and if so, judging that the current second transaction record to be checked is a successfully matched transaction record; if the second transaction records are inconsistent, the second transaction records to be checked are converted into first transaction records to be checked;
consistency judgment is carried out on the data sources of the recharging data and the wallet data of the first to-be-detected transaction record, when the data sources of the recharging data and the wallet data are inconsistent, the recharging data and the wallet data are subjected to data format conversion again, and matching is carried out again after the data format conversion is completed;
if the matching is successful, the current first transaction record to be checked is judged to be the transaction record which is successfully matched; if the matching fails again, automatic warning is carried out, and the transaction amount is forbidden to be imported into the wallet system;
performing risk assessment on the current wallet system according to the re-matching result to obtain a risk assessment parameter value, and disabling the wallet system when the risk assessment parameter value exceeds a preset parameter threshold;
wherein the risk assessment parameter value is obtained by the following formula:
Wherein, Frepresenting a risk assessment parameter value;F 0 representing a preset reference parameter value;W max the maximum value of the daily transaction amount for the user to conduct online recharging transaction is represented;trepresenting the number of days contained in the service settlement period;W i indicating the first time in a single service settlement periodiThe daily transaction amount of the daily online recharging transaction;W i-1 indicating the first time in a single service settlement periodi-a single day transaction amount for an online top-up transaction of 1 day;r 01 andr 02 representing the corresponding transaction quantity of the first to-be-checked transaction record and the second to-be-checked transaction record;rrepresenting the number of transactions converted from the first to the second to be checked transaction record.
A matching system for online top-up automatic matching of wallets, the matching system comprising:
the period setting module is used for setting different automatic checking periods according to different payment platforms, payment modes, service types and service settlement periods of the online recharging service;
the effective transaction record acquisition module is used for acquiring recharging data and wallet data in the reconciliation period, and carrying out data cleaning on the recharging data and the wallet data to obtain an effective transaction record in the reconciliation period;
the exception handling module is used for matching the recharging data with wallet data, obtaining successfully matched transaction records and unsuccessfully matched transaction records, performing exception handling on the unsuccessfully matched transaction records, and performing wallet balance updating processing on the successfully matched transaction records.
Further, the period setting module includes:
the record extraction module is used for extracting an online recharging service history record of a user and acquiring a payment platform corresponding to the online recharging service;
the information acquisition module is used for acquiring a payment mode, a payment service type and a service settlement period corresponding to the service type corresponding to each payment platform of a user; wherein the service settlement period is typically 1 month (i.e., 30 days or 31 days);
the period setting module is used for setting an automatic reconciliation period according to the payment mode, the payment service type and the service settlement period corresponding to the service type;
the business reconciliation period is obtained through the following formula:
wherein, T d representing a business reconciliation period;mrepresenting the total number of payment services per day;nrepresenting the number of payment means types;W 01 an online top-up payment total representing financial product transactions within a single business settlement period;λ 01 the weight coefficient corresponding to the financial product transaction type is represented;krepresenting the number of other online recharging business transaction types besides the financial product transaction type;W i1 represent the firstiThe total amount of line recharging payment of other line recharging business transaction types in a single business settlement period; λ i1 Represent the firstiWeight coefficients corresponding to other online recharging business transaction types in a single business settlement period;T 0 a reference time period is indicated and,T 0 the value of (2) is 30 days.
Further, the effective transaction record acquisition module includes:
the transaction record extraction module is used for extracting the transaction record of the user ID on the payment platform at the end time of the reconciliation cycle;
the first information group acquisition module is used for acquiring a first information group of a user in the current account checking period through the transaction record, and the first information group is recharging data; the first information group comprises first order number information, first transaction flow information, first recharging amount information and first recharging time information;
the wallet data recording module is used for extracting wallet data records of a wallet system corresponding to the user ID at the end time of the reconciliation period;
the second information group acquisition module is used for acquiring a second information group of the wallet account of the user through the wallet data record, and the second information group is wallet data; the second information group comprises second order number information, second transaction flow information, second recharging amount information, second recharging time information and wallet balance information;
And the data cleaning module is used for cleaning the data of the first information group and the second information group, eliminating repeated transaction records and invalid transaction records, and obtaining valid transaction records in the reconciliation period.
Further, the exception handling module includes:
the first information extraction module is used for extracting first order number information, first transaction flow information, first recharging amount information and first recharging time information in the current account checking period in the recharging data;
the second information extraction module is used for extracting second order number information, second transaction flow information, second recharging amount information and second recharging time information in the current account checking period in the wallet data;
the matching module is used for correspondingly matching the first order number information, the first transaction running information, the first recharging amount information and the first recharging time information with the second order number information, the second transaction running information, the second recharging amount information and the second recharging time information to obtain a matching result and a reconciliation report;
the balance generation module is used for extracting the transaction records successfully matched in the reconciliation report, and automatically adding the recharging amount to the corresponding wallet system for the transaction records successfully matched to generate a new wallet balance;
The to-be-checked transaction record acquisition module is used for extracting the transaction record with failed matching in the reconciliation report and the transaction record with unmatched recharging amount information only; the transaction record with the failed matching is used as a first transaction record to be checked, and the transaction record with only the unmatched recharging amount information is used as a second transaction record to be checked;
and the record exception handling module is used for performing exception detection handling on the first to-be-detected transaction record and the second to-be-detected transaction record.
Further, the recording exception handling module includes:
the intermediate cost judging module is used for extracting transaction flow information and transaction amount information of a second to-be-checked transaction record and judging whether intermediate cost exists in the transaction amount information corresponding to the transaction flow, wherein the intermediate cost comprises a commission cost, an exchange rate and the like;
the charge consistency judging module is used for judging whether the amount difference value corresponding to the mismatching of the intermediate charge and the recharging amount information is consistent or not if the intermediate charge exists in the transaction amount information, and judging that the current second transaction record to be checked is a successfully matched transaction record if the intermediate charge is consistent with the recharging amount information; if the second transaction records are inconsistent, the second transaction records to be checked are converted into first transaction records to be checked;
The data source judging module is used for judging consistency of the data sources of the recharging data and the wallet data of the first to-be-detected transaction record, and when the data sources of the recharging data and the wallet data are inconsistent, the recharging data and the wallet data are subjected to data format conversion again, and matching is carried out again after the data format conversion is completed;
the warning judgment module is used for judging the current first transaction record to be the successfully matched transaction record if the matching is successful; if the matching fails again, automatic warning is carried out, and the transaction amount is forbidden to be imported into the wallet system;
the risk assessment module is used for carrying out risk assessment on the current wallet system according to the re-matching result to obtain a risk assessment parameter value, and when the risk assessment parameter value exceeds a preset parameter threshold value, the wallet system is forbidden;
wherein the risk assessment parameter value is obtained by the following formula:
wherein, Frepresenting a risk assessment parameter value;F 0 representing a preset reference parameter value;W max the maximum value of the daily transaction amount for the user to conduct online recharging transaction is represented;trepresenting the number of days contained in the service settlement period;W i indicating the first time in a single service settlement period iThe daily transaction amount of the daily online recharging transaction;W i-1 indicating the first time in a single service settlement periodi-a single day transaction amount for an online top-up transaction of 1 day;r 01 andr 02 representing the corresponding transaction quantity of the first to-be-checked transaction record and the second to-be-checked transaction record;rrepresenting the number of transactions converted from the first to the second to be checked transaction record.
The invention has the beneficial effects that:
according to the matching method and the matching system for the online recharging automatic matching wallet, which are provided by the invention, the checking autonomy and the checking timeliness between the recharging system and the wallet system can be effectively improved in an automatic checking mode, and the problems that the checking efficiency is reduced and the risk of online recharging is improved along with the increase of the checking time due to the fact that checking cannot be performed for a long time are prevented. Meanwhile, the safety monitoring performance and the safety monitoring accuracy of online recharging can be effectively improved through setting the risk evaluation parameter values, and on the other hand, the matching method and the matching system of the online recharging automatic matching wallet provided by the invention have the advantages that the complexity of a mathematical model is low, the operation quantity can be reduced on the premise of improving the risk evaluation accuracy, the operation response speed is improved on the premise of reducing the operation load, the operation delay is reduced, and the online recharging and wallet automatic matching efficiency is further improved to a great extent.
Drawings
FIG. 1 is a flow chart of a matching method according to the present invention;
fig. 2 is a system block diagram of the matching system of the present invention.
Detailed Description
The preferred embodiments of the present invention will be described below with reference to the accompanying drawings, it being understood that the preferred embodiments described herein are for illustration and explanation of the present invention only, and are not intended to limit the present invention.
The embodiment of the invention provides a matching method for an online recharging automatic matching wallet, as shown in fig. 1, the matching method comprises the following steps:
s1, setting different automatic account checking periods according to different payment platforms, payment modes, service types and service settlement periods of an online recharging service;
s2, recharging data and wallet data are obtained in the reconciliation period, and data cleaning is carried out on the recharging data and the wallet data, so that an effective transaction record in the reconciliation period is obtained;
s3, matching the recharging data with wallet data, obtaining successfully matched transaction records and unsuccessfully matched transaction records, performing exception processing on the unsuccessfully matched transaction records, and performing wallet balance updating processing on the successfully matched transaction records.
The automatic account checking mode can effectively improve the autonomy and timeliness of account checking between the recharging system and the wallet system, and the problems that the account checking efficiency is reduced and the risk of online recharging is improved along with the increase of the account checking time due to long-time incapability of account checking are prevented. Meanwhile, the safety monitoring performance and the safety monitoring accuracy of online recharging can be effectively improved through setting the risk evaluation parameter values, and on the other hand, the matching method and the matching system of the online recharging automatic matching wallet provided by the invention have the advantages that the complexity of a mathematical model is low, the operation quantity can be reduced on the premise of improving the risk evaluation accuracy, the operation response speed is improved on the premise of reducing the operation load, the operation delay is reduced, and the online recharging and wallet automatic matching efficiency is further improved to a great extent.
Specifically, setting different automatic account checking periods according to different payment platforms, payment modes, service types and service requirements of the online recharging service comprises the following steps:
s101, extracting an online recharging service history record of a user, and acquiring a payment platform corresponding to the online recharging service;
s102, acquiring a payment mode, a payment service type and a service settlement period corresponding to the service type corresponding to each payment platform of a user; wherein the service settlement period is typically 1 month (i.e., 30 days or 31 days);
setting an automatic account checking period according to the payment mode, the payment service type and the service settlement period corresponding to the service type;
the business reconciliation period is obtained through the following formula:
wherein, T d representing a business reconciliation period;mrepresenting the total number of payment services per day;nrepresenting the number of payment means types;W 01 an online top-up payment total representing financial product transactions within a single business settlement period;λ 01 the weight coefficient corresponding to the financial product transaction type is represented;krepresenting the number of other online recharging business transaction types besides the financial product transaction type;W i1 represent the firstiThe total amount of line recharging payment of other line recharging business transaction types in a single business settlement period; λ i1 Represent the firstiWeight coefficients corresponding to other online recharging business transaction types in a single business settlement period;T 0 a reference time period is indicated and,T 0 the value of (2) is 30 days.
The business reconciliation period obtained through the method can be obtained by combining the factors such as the online recharging payment total amount of the financial product transaction and the weight coefficient corresponding to the financial product transaction type in a single business settlement period, so that the rationality of the reconciliation period setting is effectively improved, and the problems that frequent reconciliation is caused and the response load of the system is increased due to too short reconciliation period setting time are prevented, and resource waste is caused. Meanwhile, the problems that the online recharging transaction risk of the wallet is increased and the safety of the online recharging transaction of the wallet is reduced due to the fact that the account checking period is excessively long can be prevented.
Specifically, obtaining recharging data and wallet data in the reconciliation period, and performing data cleaning on the recharging data and wallet data to obtain an effective transaction record in the reconciliation period, including:
s201, extracting a transaction record of a user ID on a payment platform at the end time of the reconciliation period;
s202, acquiring a first information group of a user in a current account checking period through the transaction record, wherein the first information group is recharging data; the first information group comprises first order number information, first transaction flow information, first recharging amount information and first recharging time information;
S203, extracting wallet data records of a wallet system corresponding to the user ID at the end time of the reconciliation period;
s204, acquiring a second information group of the wallet account of the user through the wallet data record, wherein the second information group is wallet data; the second information group comprises second order number information, second transaction flow information, second recharging amount information, second recharging time information and wallet balance information;
s205, data cleaning is carried out on the first information group and the second information group, repeated transaction records and invalid transaction records are removed, and effective transaction records in a reconciliation period are obtained.
The method can effectively improve the acquisition efficiency of the first information group and the second information group, and improve the acquisition effectiveness of the first information group and the second information group through a data cleaning mode.
Specifically, the recharging data and the wallet data are matched, a successfully matched transaction record and a failed transaction record are obtained, the failed transaction record is processed abnormally, and wallet balance update processing is performed on the successfully matched transaction record, including:
s301, extracting first order number information, first transaction flow information, first recharging amount information and first recharging time information in a current reconciliation period in the recharging data;
S302, extracting second order number information, second transaction stream information, second recharging amount information and second recharging time information in the current reconciliation period in the wallet data;
s303, correspondingly matching the first order number information, the first transaction running information, the first recharging amount information and the first recharging time information with the second order number information, the second transaction running information, the second recharging amount information and the second recharging time information to obtain a matching result and a reconciliation report;
s304, extracting a transaction record which is successfully matched in the reconciliation report, and automatically adding the recharging amount to a corresponding wallet system aiming at the transaction record which is successfully matched to generate a new wallet balance;
s305, extracting transaction records with failed matching in the reconciliation report and transaction records with unmatched recharging amount information only; the transaction record with the failed matching is used as a first transaction record to be checked, and the transaction record with only the unmatched recharging amount information is used as a second transaction record to be checked;
s306, performing anomaly detection processing on the first to-be-detected transaction record and the second to-be-detected transaction record.
Specifically, the performing anomaly detection processing on the first to-be-detected transaction record and the second to-be-detected transaction record includes:
S3061, extracting transaction flow information and transaction amount information of a second to-be-checked transaction record, and judging whether intermediate fees exist in the transaction amount information corresponding to the transaction flow, wherein the intermediate fees comprise commission fees, exchange rates and the like;
s3062, if the transaction amount information has intermediate cost, judging whether the intermediate cost is consistent with an amount difference value corresponding to the unmatched recharging amount information, and if so, judging that the current second transaction record to be checked is a successfully matched transaction record; if the second transaction records are inconsistent, the second transaction records to be checked are converted into first transaction records to be checked;
s3063, carrying out consistency judgment on the data sources of the recharging data and the wallet data of the first to-be-detected transaction record, and carrying out re-data format conversion on the recharging data and the wallet data when the data sources of the recharging data and the wallet data are inconsistent, and carrying out matching again after the data format conversion is completed;
s3064, if the matching is successful, judging the current first transaction record to be the transaction record which is successfully matched; if the matching fails again, automatic warning is carried out, and the transaction amount is forbidden to be imported into the wallet system;
S3065, performing risk assessment on the current wallet system according to the re-matching result to obtain a risk assessment parameter value, and disabling the wallet system when the risk assessment parameter value exceeds a preset parameter threshold;
wherein the risk assessment parameter value is obtained by the following formula:
wherein, Frepresenting a risk assessment parameter value;F 0 representing a preset reference parameter value;W max the maximum value of the daily transaction amount for the user to conduct online recharging transaction is represented;trepresenting the number of days contained in the service settlement period;W i indicating the first time in a single service settlement periodiThe daily transaction amount of the daily online recharging transaction;W i-1 indicating the first time in a single service settlement periodi-a single day transaction amount for an online top-up transaction of 1 day;r 01 andr 02 representing the corresponding transaction quantity of the first to-be-checked transaction record and the second to-be-checked transaction record;rrepresenting the number of transactions converted from the first to the second to be checked transaction record.
By the method, the self-checking performance of the transaction record can be effectively improved, and timeliness and accuracy of transaction security detection are further improved. Meanwhile, the specific safety performance of the wallet online transaction is detected in a risk assessment parameter value mode, so that the wallet online transaction safety can be further improved. On the other hand, the risk assessment parameter values obtained through the method can be combined with information such as the maximum value of the daily transaction amount, the corresponding transaction quantity of the first to-be-checked transaction record and the second to-be-checked transaction record of the online recharging transaction by the user to carry out risk assessment, and the risk assessment can be carried out by combining the actual transaction condition and the transaction habit of the user to the maximum extent, so that the matching between the risk assessment and the user transaction habit is improved, and the accuracy of obtaining the risk assessment parameter is further improved.
The embodiment of the invention provides a matching system for an online recharging automatic matching wallet, as shown in fig. 2, the matching system comprises:
the period setting module is used for setting different automatic checking periods according to different payment platforms, payment modes, service types and service settlement periods of the online recharging service;
the effective transaction record acquisition module is used for acquiring recharging data and wallet data in the reconciliation period, and carrying out data cleaning on the recharging data and the wallet data to obtain an effective transaction record in the reconciliation period;
the exception handling module is used for matching the recharging data with wallet data, obtaining successfully matched transaction records and unsuccessfully matched transaction records, performing exception handling on the unsuccessfully matched transaction records, and performing wallet balance updating processing on the successfully matched transaction records.
The automatic account checking mode can effectively improve the autonomy and timeliness of account checking between the recharging system and the wallet system, and the problems that the account checking efficiency is reduced and the risk of online recharging is improved along with the increase of the account checking time due to long-time incapability of account checking are prevented. Meanwhile, the safety monitoring performance and the safety monitoring accuracy of online recharging can be effectively improved through setting the risk evaluation parameter values, and on the other hand, the matching method and the matching system of the online recharging automatic matching wallet provided by the invention have the advantages that the complexity of a mathematical model is low, the operation quantity can be reduced on the premise of improving the risk evaluation accuracy, the operation response speed is improved on the premise of reducing the operation load, the operation delay is reduced, and the online recharging and wallet automatic matching efficiency is further improved to a great extent.
Specifically, the period setting module includes:
the record extraction module is used for extracting an online recharging service history record of a user and acquiring a payment platform corresponding to the online recharging service;
the information acquisition module is used for acquiring a payment mode, a payment service type and a service settlement period corresponding to the service type corresponding to each payment platform of a user; wherein the service settlement period is typically 1 month (i.e., 30 days or 31 days);
the period setting module is used for setting an automatic reconciliation period according to the payment mode, the payment service type and the service settlement period corresponding to the service type;
the business reconciliation period is obtained through the following formula:
wherein, T d representing a business reconciliation period;mrepresenting the total number of payment services per day;nrepresenting the number of payment means types;W 01 an online top-up payment total representing financial product transactions within a single business settlement period;λ 01 the weight coefficient corresponding to the financial product transaction type is represented;krepresenting the number of other online recharging business transaction types besides the financial product transaction type;W i1 represent the firstiThe total amount of line recharging payment of other line recharging business transaction types in a single business settlement period; λ i1 Represent the firstiWeight coefficients corresponding to other online recharging business transaction types in a single business settlement period;T 0 a reference time period is indicated and,T 0 the value of (2) is 30 days.
The business reconciliation period obtained through the method can be obtained by combining the factors such as the online recharging payment total amount of the financial product transaction and the weight coefficient corresponding to the financial product transaction type in a single business settlement period, so that the rationality of the reconciliation period setting is effectively improved, and the problems that frequent reconciliation is caused and the response load of the system is increased due to too short reconciliation period setting time are prevented, and resource waste is caused. Meanwhile, the problems that the online recharging transaction risk of the wallet is increased and the safety of the online recharging transaction of the wallet is reduced due to the fact that the account checking period is excessively long can be prevented.
Specifically, the effective transaction record acquisition module includes:
the transaction record extraction module is used for extracting the transaction record of the user ID on the payment platform at the end time of the reconciliation cycle;
the first information group acquisition module is used for acquiring a first information group of a user in the current account checking period through the transaction record, and the first information group is recharging data; the first information group comprises first order number information, first transaction flow information, first recharging amount information and first recharging time information;
The wallet data recording module is used for extracting wallet data records of a wallet system corresponding to the user ID at the end time of the reconciliation period;
the second information group acquisition module is used for acquiring a second information group of the wallet account of the user through the wallet data record, and the second information group is wallet data; the second information group comprises second order number information, second transaction flow information, second recharging amount information, second recharging time information and wallet balance information;
and the data cleaning module is used for cleaning the data of the first information group and the second information group, eliminating repeated transaction records and invalid transaction records, and obtaining valid transaction records in the reconciliation period.
The method can effectively improve the acquisition efficiency of the first information group and the second information group, and improve the acquisition effectiveness of the first information group and the second information group through a data cleaning mode.
Specifically, the exception handling module includes:
the first information extraction module is used for extracting first order number information, first transaction flow information, first recharging amount information and first recharging time information in the current account checking period in the recharging data;
The second information extraction module is used for extracting second order number information, second transaction flow information, second recharging amount information and second recharging time information in the current account checking period in the wallet data;
the matching module is used for correspondingly matching the first order number information, the first transaction running information, the first recharging amount information and the first recharging time information with the second order number information, the second transaction running information, the second recharging amount information and the second recharging time information to obtain a matching result and a reconciliation report;
the balance generation module is used for extracting the transaction records successfully matched in the reconciliation report, and automatically adding the recharging amount to the corresponding wallet system for the transaction records successfully matched to generate a new wallet balance;
the to-be-checked transaction record acquisition module is used for extracting the transaction record with failed matching in the reconciliation report and the transaction record with unmatched recharging amount information only; the transaction record with the failed matching is used as a first transaction record to be checked, and the transaction record with only the unmatched recharging amount information is used as a second transaction record to be checked;
and the record exception handling module is used for performing exception detection handling on the first to-be-detected transaction record and the second to-be-detected transaction record.
Specifically, the recording exception handling module includes:
the intermediate cost judging module is used for extracting transaction flow information and transaction amount information of a second to-be-checked transaction record and judging whether intermediate cost exists in the transaction amount information corresponding to the transaction flow, wherein the intermediate cost comprises a commission cost, an exchange rate and the like;
the charge consistency judging module is used for judging whether the amount difference value corresponding to the mismatching of the intermediate charge and the recharging amount information is consistent or not if the intermediate charge exists in the transaction amount information, and judging that the current second transaction record to be checked is a successfully matched transaction record if the intermediate charge is consistent with the recharging amount information; if the second transaction records are inconsistent, the second transaction records to be checked are converted into first transaction records to be checked;
the data source judging module is used for judging consistency of the data sources of the recharging data and the wallet data of the first to-be-detected transaction record, and when the data sources of the recharging data and the wallet data are inconsistent, the recharging data and the wallet data are subjected to data format conversion again, and matching is carried out again after the data format conversion is completed;
the warning judgment module is used for judging the current first transaction record to be the successfully matched transaction record if the matching is successful; if the matching fails again, automatic warning is carried out, and the transaction amount is forbidden to be imported into the wallet system;
The risk assessment module is used for carrying out risk assessment on the current wallet system according to the re-matching result to obtain a risk assessment parameter value, and when the risk assessment parameter value exceeds a preset parameter threshold value, the wallet system is forbidden;
wherein the risk assessment parameter value is obtained by the following formula:
wherein, Frepresenting a risk assessment parameter value;F 0 representing a preset reference parameter value;W max the maximum value of the daily transaction amount for the user to conduct online recharging transaction is represented;trepresenting the number of days contained in the service settlement period;W i indicating the first time in a single service settlement periodiThe daily transaction amount of the daily online recharging transaction;W i-1 indicating the first time in a single service settlement periodi-a single day transaction amount for an online top-up transaction of 1 day;r 01 andr 02 representing a first record of transactions to be checked andthe second transaction record to be checked corresponds to the transaction quantity;rrepresenting the number of transactions converted from the first to the second to be checked transaction record.
By the method, the self-checking performance of the transaction record can be effectively improved, and timeliness and accuracy of transaction security detection are further improved. Meanwhile, the specific safety performance of the wallet online transaction is detected in a risk assessment parameter value mode, so that the wallet online transaction safety can be further improved. On the other hand, the risk assessment parameter values obtained through the method can be combined with information such as the maximum value of the daily transaction amount, the corresponding transaction quantity of the first to-be-checked transaction record and the second to-be-checked transaction record of the online recharging transaction by the user to carry out risk assessment, and the risk assessment can be carried out by combining the actual transaction condition and the transaction habit of the user to the maximum extent, so that the matching between the risk assessment and the user transaction habit is improved, and the accuracy of obtaining the risk assessment parameter is further improved.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.
Claims (10)
1. The matching method for the automatic matching wallet by online recharging is characterized by comprising the following steps of:
setting different automatic account checking periods according to different payment platforms, payment modes, service types and service settlement periods of the online recharging service;
acquiring recharging data and wallet data in the checking period, and performing data cleaning on the recharging data and the wallet data to obtain an effective transaction record in the checking period;
and matching the recharging data with wallet data, obtaining successfully matched transaction records and unsuccessfully matched transaction records, performing exception processing on the unsuccessfully matched transaction records, and performing wallet balance updating processing on the successfully matched transaction records.
2. The matching method according to claim 1, wherein setting different automatic reconciliation cycles according to different paytables, payment methods, service types and service requirements of the online recharge service comprises:
Extracting an online recharging service history record of a user, and acquiring a payment platform corresponding to the online recharging service;
acquiring a payment mode, a payment service type and a service settlement period corresponding to the service type corresponding to each payment platform of a user;
setting an automatic account checking period according to the payment mode, the payment service type and the service settlement period corresponding to the service type;
the business reconciliation period is obtained through the following formula:
wherein, T d representing a business reconciliation period;mrepresenting the total number of payment services per day;nrepresenting the number of payment means types;W 01 an online top-up payment total representing financial product transactions within a single business settlement period;λ 01 the weight coefficient corresponding to the financial product transaction type is represented;krepresenting the number of other online recharging business transaction types besides the financial product transaction type;W i1 represent the firstiThe total amount of line recharging payment of other line recharging business transaction types in a single business settlement period;λ i1 represent the firstiWeight coefficients corresponding to other online recharging business transaction types in a single business settlement period;T 0 a reference time period is indicated and,T 0 the value of (2) is 30 days.
3. The matching method of claim 1, wherein obtaining the recharge data and the wallet data during the reconciliation period and performing data cleansing on the recharge data and the wallet data to obtain the valid transaction records during the reconciliation period comprises:
Extracting a transaction record of a user ID on a payment platform at the end time of the reconciliation period;
acquiring a first information group of a user in the current account checking period through the transaction record, wherein the first information group is recharging data; the first information group comprises first order number information, first transaction flow information, first recharging amount information and first recharging time information;
extracting wallet data records of a wallet system corresponding to the user ID at the end time of the reconciliation period;
acquiring a second information group of the wallet account of the user through the wallet data record, wherein the second information group is wallet data; the second information group comprises second order number information, second transaction flow information, second recharging amount information, second recharging time information and wallet balance information;
and carrying out data cleaning on the first information group and the second information group, removing repeated transaction records and invalid transaction records, and obtaining valid transaction records in the reconciliation period.
4. The matching method according to claim 1, wherein matching the refill data with wallet data, obtaining a transaction record that matches successfully and a transaction record that matches failed, exception-handling the transaction record that matches failed, and wallet balance update processing for the transaction record that matches successfully, comprises:
Extracting first order number information, first transaction flow information, first recharging amount information and first recharging time information in the current checking period in the recharging data;
extracting second order number information, second transaction flow information, second recharging amount information and second recharging time information in the current checking period in the wallet data;
matching the first order number information, the first transaction running information, the first recharging amount information and the first recharging time information correspondingly with the second order number information, the second transaction running information, the second recharging amount information and the second recharging time information to obtain a matching result and a checking report;
extracting a transaction record which is successfully matched in the reconciliation report, and automatically adding the recharging amount to a corresponding wallet system aiming at the transaction record which is successfully matched to generate a new wallet balance;
extracting transaction records with failed matching in the reconciliation report and transaction records with only unmatched recharging amount information; the transaction record with the failed matching is used as a first transaction record to be checked, and the transaction record with only the unmatched recharging amount information is used as a second transaction record to be checked;
And performing anomaly detection processing on the first to-be-detected transaction record and the second to-be-detected transaction record.
5. The matching method of claim 4, wherein said anomaly detection process for said first and second to-be-detected transaction records comprises:
extracting transaction flow information and transaction amount information of a second to-be-checked transaction record, and judging whether intermediate fees exist in the transaction amount information corresponding to the transaction flow, wherein the intermediate fees comprise commission fees and exchange rates;
if the transaction amount information has intermediate cost, judging whether the amount difference value corresponding to the mismatch of the intermediate cost and the recharging amount information is consistent, and if so, judging that the current second transaction record to be checked is a successfully matched transaction record; if the second transaction records are inconsistent, the second transaction records to be checked are converted into first transaction records to be checked;
consistency judgment is carried out on the data sources of the recharging data and the wallet data of the first to-be-detected transaction record, when the data sources of the recharging data and the wallet data are inconsistent, the recharging data and the wallet data are subjected to data format conversion again, and matching is carried out again after the data format conversion is completed;
If the matching is successful, the current first transaction record to be checked is judged to be the transaction record which is successfully matched; if the matching fails again, automatic warning is carried out, and the transaction amount is forbidden to be imported into the wallet system;
performing risk assessment on the current wallet system according to the re-matching result to obtain a risk assessment parameter value, and disabling the wallet system when the risk assessment parameter value exceeds a preset parameter threshold;
wherein the risk assessment parameter value is obtained by the following formula:
wherein, Frepresenting a risk assessment parameter value;F 0 representing a preset reference parameter value;W max the maximum value of the daily transaction amount for the user to conduct online recharging transaction is represented;trepresenting the number of days contained in the service settlement period;W i indicating the first time in a single service settlement periodiThe daily transaction amount of the daily online recharging transaction;W i-1 indicating the first time in a single service settlement periodi-a single day transaction amount for an online top-up transaction of 1 day;r 01 andr 02 representing the corresponding transaction quantity of the first to-be-checked transaction record and the second to-be-checked transaction record;rrepresenting the number of transactions converted from the first to the second to be checked transaction record.
6. A matching system for automatically matching wallets with online top-up, the matching system comprising:
The period setting module is used for setting different automatic checking periods according to different payment platforms, payment modes, service types and service settlement periods of the online recharging service;
the effective transaction record acquisition module is used for acquiring recharging data and wallet data in the reconciliation period, and carrying out data cleaning on the recharging data and the wallet data to obtain an effective transaction record in the reconciliation period;
the exception handling module is used for matching the recharging data with wallet data, obtaining successfully matched transaction records and unsuccessfully matched transaction records, performing exception handling on the unsuccessfully matched transaction records, and performing wallet balance updating processing on the successfully matched transaction records.
7. The matching system of claim 6, wherein the period setting module comprises:
the record extraction module is used for extracting an online recharging service history record of a user and acquiring a payment platform corresponding to the online recharging service;
the information acquisition module is used for acquiring a payment mode, a payment service type and a service settlement period corresponding to the service type corresponding to each payment platform of a user;
the period setting module is used for setting an automatic reconciliation period according to the payment mode, the payment service type and the service settlement period corresponding to the service type;
The business reconciliation period is obtained through the following formula:
wherein, T d representing a business reconciliation period;mrepresenting the total number of payment services per day;nrepresenting the number of payment means types;W 01 an online top-up payment total representing financial product transactions within a single business settlement period;λ 01 the weight coefficient corresponding to the financial product transaction type is represented;krepresenting the number of other online recharging business transaction types besides the financial product transaction type;W i1 represent the firstiThe total amount of line recharging payment of other line recharging business transaction types in a single business settlement period;λ i1 represent the firstiSettlement of single business inThe weight coefficient corresponding to other online recharging business transaction types in the period;T 0 a reference time period is indicated and,T 0 the value of (2) is 30 days.
8. The matching system of claim 6, wherein the valid transaction record acquisition module comprises:
the transaction record extraction module is used for extracting the transaction record of the user ID on the payment platform at the end time of the reconciliation cycle;
the first information group acquisition module is used for acquiring a first information group of a user in the current account checking period through the transaction record, and the first information group is recharging data; the first information group comprises first order number information, first transaction flow information, first recharging amount information and first recharging time information;
The wallet data recording module is used for extracting wallet data records of a wallet system corresponding to the user ID at the end time of the reconciliation period;
the second information group acquisition module is used for acquiring a second information group of the wallet account of the user through the wallet data record, and the second information group is wallet data; the second information group comprises second order number information, second transaction flow information, second recharging amount information, second recharging time information and wallet balance information;
and the data cleaning module is used for cleaning the data of the first information group and the second information group, eliminating repeated transaction records and invalid transaction records, and obtaining valid transaction records in the reconciliation period.
9. The matching system of claim 6, wherein the exception handling module comprises:
the first information extraction module is used for extracting first order number information, first transaction flow information, first recharging amount information and first recharging time information in the current account checking period in the recharging data;
the second information extraction module is used for extracting second order number information, second transaction flow information, second recharging amount information and second recharging time information in the current account checking period in the wallet data;
The matching module is used for correspondingly matching the first order number information, the first transaction running information, the first recharging amount information and the first recharging time information with the second order number information, the second transaction running information, the second recharging amount information and the second recharging time information to obtain a matching result and a reconciliation report;
the balance generation module is used for extracting the transaction records successfully matched in the reconciliation report, and automatically adding the recharging amount to the corresponding wallet system for the transaction records successfully matched to generate a new wallet balance;
the to-be-checked transaction record acquisition module is used for extracting the transaction record with failed matching in the reconciliation report and the transaction record with unmatched recharging amount information only; the transaction record with the failed matching is used as a first transaction record to be checked, and the transaction record with only the unmatched recharging amount information is used as a second transaction record to be checked;
and the record exception handling module is used for performing exception detection handling on the first to-be-detected transaction record and the second to-be-detected transaction record.
10. The matching system of claim 9, wherein the logging exception handling module comprises:
The intermediate cost judging module is used for extracting transaction flow information and transaction amount information of a second to-be-checked transaction record and judging whether intermediate cost exists in the transaction amount information corresponding to the transaction flow, wherein the intermediate cost comprises a commission cost and an exchange rate;
the charge consistency judging module is used for judging whether the amount difference value corresponding to the mismatching of the intermediate charge and the recharging amount information is consistent or not if the intermediate charge exists in the transaction amount information, and judging that the current second transaction record to be checked is a successfully matched transaction record if the intermediate charge is consistent with the recharging amount information; if the second transaction records are inconsistent, the second transaction records to be checked are converted into first transaction records to be checked;
the data source judging module is used for judging consistency of the data sources of the recharging data and the wallet data of the first to-be-detected transaction record, and when the data sources of the recharging data and the wallet data are inconsistent, the recharging data and the wallet data are subjected to data format conversion again, and matching is carried out again after the data format conversion is completed;
the warning judgment module is used for judging the current first transaction record to be the successfully matched transaction record if the matching is successful; if the matching fails again, automatic warning is carried out, and the transaction amount is forbidden to be imported into the wallet system;
The risk assessment module is used for carrying out risk assessment on the current wallet system according to the re-matching result to obtain a risk assessment parameter value, and when the risk assessment parameter value exceeds a preset parameter threshold value, the wallet system is forbidden;
wherein the risk assessment parameter value is obtained by the following formula:
wherein, Frepresenting a risk assessment parameter value;F 0 representing a preset reference parameter value;W max the maximum value of the daily transaction amount for the user to conduct online recharging transaction is represented;trepresenting the number of days contained in the service settlement period;W i indicating the first time in a single service settlement periodiThe daily transaction amount of the daily online recharging transaction;W i-1 indicating the first time in a single service settlement periodi-a single day transaction amount for an online top-up transaction of 1 day;r 01 andr 02 representing the corresponding transaction quantity of the first to-be-checked transaction record and the second to-be-checked transaction record;rrepresenting the number of transactions converted from the first to the second to be checked transaction record.
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