WO2019037396A1 - 账户清结算方法、装置、设备及存储介质 - Google Patents

账户清结算方法、装置、设备及存储介质 Download PDF

Info

Publication number
WO2019037396A1
WO2019037396A1 PCT/CN2018/075666 CN2018075666W WO2019037396A1 WO 2019037396 A1 WO2019037396 A1 WO 2019037396A1 CN 2018075666 W CN2018075666 W CN 2018075666W WO 2019037396 A1 WO2019037396 A1 WO 2019037396A1
Authority
WO
WIPO (PCT)
Prior art keywords
reconciliation
payment order
payment
status
account
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2018/075666
Other languages
English (en)
French (fr)
Inventor
朱文力
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
OneConnect Smart Technology Co Ltd
Original Assignee
OneConnect Smart Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by OneConnect Smart Technology Co Ltd filed Critical OneConnect Smart Technology Co Ltd
Publication of WO2019037396A1 publication Critical patent/WO2019037396A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting
    • G06Q40/125—Finance or payroll

Definitions

  • the present application relates to the technical field of data processing, and in particular, to an account clearing method, apparatus, device, and storage medium.
  • the main purpose of the present application is to provide an account clearing method, device, device and storage medium, which aims to solve the technical problem of clear settlement mode of the public account, clear settlement efficiency and high labor cost.
  • the present application provides an account settlement method, and the account settlement method includes the following steps:
  • the certification data is determined according to the clear settlement information and the reconciliation file, and the certification data is transmitted to the financial system, so that the financial system generates the financial voucher based on the verification data. .
  • the present application further provides an account clearing and settlement device, where the account clearing and settlement device includes:
  • a sending and receiving module configured to send a reconciliation file acquisition request to the external system at an interval preset time, and receive a reconciliation file returned by the external system based on the reconciliation file acquisition request;
  • a reconciliation and update module configured to reconcile the reconciliation file according to a preset reconciliation rule to update clear settlement information of a payment order in the database
  • a determining and transmitting module configured to determine, according to the clearing information and the reconciliation file, proof data, when the reconciliation is completed, and transmit the proof data to a financial system for the financial system to be based on
  • the documentary data is generated to generate financial documents.
  • the present application further provides an account clearing device, the account clearing device comprising: a memory, a processor, and an account clearing stored on the memory and operable on the processor
  • the program when the account clearing program is executed by the processor, implements the following steps:
  • the certification data is determined according to the clear settlement information and the reconciliation file, and the certification data is transmitted to the financial system, so that the financial system generates the financial voucher based on the verification data. .
  • the application further provides a computer readable storage medium, on which the account clearing program is stored, and when the account clearing program is executed by the processor, the following steps are implemented:
  • the certification data is determined according to the clear settlement information and the reconciliation file, and the certification data is transmitted to the financial system, so that the financial system generates the financial voucher based on the verification data. .
  • the application sends a reconciliation file acquisition request to the external system at an interval preset time, and receives the reconciliation file returned by the external system based on the reconciliation file acquisition request, and then reconciles the reconciliation file according to the preset reconciliation rule.
  • To update the settlement information of the payment order in the database and finally, when the reconciliation is completed, determine the verification data according to the clear settlement information and the reconciliation document, and transmit the certification data to the financial system for the financial system
  • the financial voucher is generated based on the verification data, and the solution obtains the reconciliation file and updates the settlement information of the payment order in the database according to the reconciliation file, so that the entire process does not need to clear the settlement operation personnel to participate, thereby effectively reducing the labor cost, and simultaneously clearing the whole
  • the settlement process is automated, effectively improving the settlement efficiency.
  • the certification data is determined according to the settlement information, and the certification data is transmitted to the financial system, so that the financial system can automatically reconcile the accounts, reduce the financial personnel, and improve the efficiency of reconciliation. .
  • FIG. 1 is a schematic structural diagram of a device in a hardware operating environment involved in an embodiment of the present application
  • FIG. 2 is a schematic flow chart of a first embodiment of an account settlement settlement method according to the present application.
  • FIG. 3 is a schematic diagram of a refinement process of the step of reconciling the reconciliation file according to a preset reconciliation rule to update the settlement information of the payment order in the database according to the preset reconciliation rule;
  • FIG. 4 is a schematic diagram showing the refinement process of the step of determining the certification data according to the clear settlement information and the reconciliation file in FIG. 2;
  • FIG. 5 is a schematic flowchart of a second embodiment of an account settlement settlement method according to the present application.
  • FIG. 6 is a schematic flowchart of a third embodiment of an account settlement settlement method according to the present application.
  • FIG. 7 is a schematic flowchart of a fourth embodiment of an account settlement settlement method according to the present application.
  • FIG. 8 is a schematic diagram showing the refinement process of the step of determining the reconciliation data according to the clear settlement information and the reconciliation file in FIG. 7;
  • FIG. 9 is a schematic diagram of functional modules of the first embodiment of the account clearing and settlement apparatus of the present application.
  • the main solution of the embodiment of the present application is: sending a reconciliation file acquisition request to the external system at an interval preset time, and receiving a reconciliation file returned by the external system based on the reconciliation file acquisition request, and then according to the preset reconciliation rule
  • the reconciliation file is reconciled to update the settlement information of the payment order in the database, and finally, when the reconciliation is completed, the verification data is determined according to the clear settlement information and the reconciliation document, and the certification data is transmitted to A financial system for the financial system to generate financial credentials based on the certification data.
  • the present application provides a solution.
  • the whole process does not need to clear the settlement operation personnel to participate, thereby effectively reducing the labor cost.
  • the entire settlement process is automated, effectively improving the settlement efficiency.
  • the certification data is determined according to the settlement information, and the certification data is transmitted to the financial system, so that the financial system can automatically reconcile accounting, reduce financial personnel, and improve Reconciliation accounting efficiency.
  • FIG. 1 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present application.
  • the account clearing device in the embodiment of the present application may be a PC, or may be a mobile terminal device having a display function, such as a smart phone, a tablet computer, a portable computer, or a fixed terminal device.
  • the account settlement device may include a processor 1001, such as a CPU, a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005.
  • the communication bus 1002 is used to implement connection communication between these components.
  • the user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface, a wireless interface.
  • the network interface 1004 can optionally include a standard wired interface, a wireless interface (such as a WI-FI interface).
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • FIG. 1 does not constitute a limitation on the account clearing device, and may include more or less components than the illustration, or combine some components, or different. Parts layout.
  • an operating system may be included in the memory 1005 as a computer readable storage medium.
  • a network communication module may be included in the memory 1005 as a computer readable storage medium.
  • a user interface module may be included in the memory 1005 as a computer readable storage medium.
  • the network interface 1004 is mainly used to connect to the background server and perform data communication with the background server;
  • the user interface 1003 is mainly used to connect the client (user end) to perform data communication with the client;
  • the processor 1001 can be used to call the account clearing settlement program stored in the memory 1005, and execute the steps of the account clearing method in the following embodiments.
  • the specific embodiment of the account clearing device of the present application is basically the same as the embodiment of the account clearing method described below, and details are not described herein again.
  • the application provides an account settlement method.
  • FIG. 2 is a schematic flowchart of a first embodiment of an account settlement settlement method according to the present application.
  • the account settlement method includes:
  • Step S101 Send a reconciliation file acquisition request to the external system at an interval preset time, and receive a reconciliation file returned by the external system based on the reconciliation file acquisition request;
  • the account clearing method is applied to the account clearing device, and the account clearing device performs data interaction with the external system and the financial system through the network interface, and the external system performs data interaction with the Ping An banking system through the network interface, and the safe banking system periodically generates
  • the reconciliation file is stored in the network disk, that is, the reconciliation file of the previous day is generated by the banking system every day.
  • the reconciliation file includes the payment order number, payment status, and reconciliation time.
  • the external system periodically triggers a reconciliation file download request, and downloads a reconciliation file from the network disk of the banking system according to the reconciliation file download request, and then stores the reconciliation file.
  • the account clearing device sends a reconciliation file acquisition request to the external system at an interval preset time, and after receiving the reconciliation file acquisition request, the external system acquires the latest reconciliation file based on the reconciliation file acquisition request, and acquires The latest reconciliation file is returned to the account clearing device, and the account clearing device receives the reconciliation file returned by the external system based on the reconciliation file acquisition request, and calls the reconciliation file to receive the resale interface, and returns the reconciliation to the external system.
  • the file was received successfully.
  • the account clearing device sends a reconciliation file acquisition request to the external system every 8 minutes and 37 seconds between 9:18 and 12:00 every day until receiving the external system to return based on the reconciliation file acquisition request.
  • the reconciliation file requires the time for the reconciliation file to be generated.
  • the account clearing device can successfully obtain the reconciliation file.
  • the reconciliation file acquisition request is sent every 8 minutes and 37 seconds, and the time can be relatively timely without causing excessive pressure on the external system. Get feedback to achieve the best results.
  • Step S102 Perform reconciliation on the reconciliation file according to a preset reconciliation rule to update clear settlement information of the payment order in the database;
  • the account settlement device reconciles the reconciliation file according to the preset reconciliation rule to update the settlement information of the payment order in the database, and the settlement information includes the clearing status and the reconciliation result.
  • the reason for the reconciliation includes clearing success, clearing processing, and clearing failure, etc.
  • the reconciliation result includes reconciliation matching and reconciliation inconsistency, etc.
  • the reconciliation reason description is mainly used to describe the reason for the reconciliation disagreement, It is convenient for the user to know the reason for the reconciliation.
  • the clear settlement information can record the status of the payment order in detail, and can determine the clearing status, the reconciliation result and the reconciliation reason description of the payment order according to the clear settlement information, and can quickly locate the abnormal payment order when the payment order is abnormal.
  • FIG. 3 is a schematic flowchart of the refinement of step S102 in FIG. 2, where the step S102 includes:
  • Step S1021 Obtain a payment order number and an order payment status from the reconciliation file according to a preset rule
  • Step S1022 Acquire a corresponding payment order from the database according to the payment order number, and obtain a clearing status of the payment order;
  • Step S1023 Update the clear settlement information of the payment order according to the order payment status and the clearing status.
  • the account clearing device obtains a payment order number and an order payment status from the reconciliation file according to a preset rule, and obtains a corresponding payment order from the database according to the payment order number, and obtains a clearing status of the payment order, and then according to the The order payment status and the clearing status update the settlement information of the payment order.
  • the preset rule includes a sequential obtaining rule and a random obtaining rule, wherein the order obtaining rule sequentially obtains the payment order number and the order payment status from the reconciliation file according to the size of the payment order number until the payment order number in the reconciliation file is Obtained, and the random acquisition rule is to randomly obtain the payment order number and the order payment status from the reconciliation file until the payment order number in the reconciliation file is acquired once.
  • the order payment status includes payment success and payment failure.
  • the preset reconciliation rule is as follows: the clearing status is clearing, and the order payment status is successful, the reconciliation result is set to reconciliation; the clearing status is clearing, and the order payment status is payment failure, then the pair will be The result of the account is set as the reconciliation, the reconciliation reason description is set as the order payment success, the external system payment fails; the liquidation status is in the clearing process, and the order payment status is the payment success, the reconciliation result is set as the reconciliation; The liquidation status is in the clearing process, If the single payment status is payment failure, the reconciliation result is set as the reconciliation; the liquidation status is the clearing failure.
  • the reconciliation result is matched as the reconciliation; the clearing status is the clearing failure, and the order payment status is the payment failure, the reconciliation result is set as the reconciliation; if the payment order does not exist, If the payment status of the order is successful, a new reconciliation record is added, and the reconciliation result of the new payment order is set as the reconciliation inconsistency, and the reconciliation reason description is set as the payment order does not exist, and the order payment is successful.
  • Step S103 when the reconciliation is completed, determining the certification data according to the clear settlement information and the reconciliation file, and transmitting the certification data to the financial system, for the financial system to be based on the certification data Generate financial documents.
  • the account clearing device determines the certification data according to the clear settlement information and the reconciliation file, and transmits the certification data to the financial system, so that the financial system generates the financial voucher based on the verification data.
  • the financial voucher includes a fund voucher and a business voucher, and the voucher data includes an amount and a business type.
  • FIG. 4 is a schematic flowchart of the refinement of step S103 in FIG. 2, where the step S103 includes:
  • Step S1031 When the reconciliation is completed, obtain a corresponding payment order from the database according to each payment order number in the reconciliation file to generate a payment order set;
  • Step S1032 obtaining clear settlement information of each payment order from the payment order set, and determining a reconciliation status of the payment order according to the clear settlement information;
  • Step S1033 determining a set of proof payment orders according to the reconciliation status and the set of payment orders, and determining the certification data according to the set of proof payment orders.
  • the account clearing device obtains a corresponding payment order from the database according to each payment order number in the reconciliation file to generate a payment order set, and then obtains settlement information of each payment order from the payment order set, and Determining the reconciliation status of the payment order according to the settlement information, that is, determining the reconciliation status of the payment order according to the clearing status and the reconciliation result in the clear settlement information, specifically, the clearing status of the payment order is clearing and clearing If the middle or clearing fails, and the reconciliation result is the reconciliation, the reconciliation status of the payment order is the reconciliation status, and finally the set of the proof payment order is determined according to the reconciliation status and the payment order set, and according to the
  • the forensic payment order set determines the certification data, that is, obtains a payment order whose reconciliation status is reconciled from the payment order set, thereby generating a forensic payment order set, and then obtaining each from the set of certification payment orders Paying the payment information of the order, the payment information includes the collection payment amount and the payment destination, and each order Payment information is aggregated to obtain accreditation data
  • the application sends a reconciliation file acquisition request to the external system at an interval preset time, and receives a reconciliation file returned by the external system based on the reconciliation file acquisition request, and then according to the preset reconciliation rule
  • the reconciliation file is reconciled to update the settlement information of the payment order in the database, and finally, when the reconciliation is completed, the verification data is determined according to the settlement information and the reconciliation document, and the certification data is transmitted to the financial system.
  • the solution obtains the reconciliation file and updates the settlement information of the payment order in the database according to the reconciliation file, and the entire settlement process does not need to clear the settlement operation personnel to participate, and is effective.
  • the labor cost is reduced, and the entire settlement process is automated, and the settlement efficiency is effectively improved.
  • the certification data is determined according to the settlement information, and the certification data is transmitted to the financial system, so that the financial system can automatically reconcile the accounting and reduce Financial staff to improve the efficiency of reconciliation accounting.
  • a second embodiment of the account clearing method of the present application is proposed based on the above-mentioned first embodiment.
  • the difference from the foregoing embodiment is that the account clearing method further includes:
  • Step S104 receiving a payment order refund request sent by an external system, and obtaining a refund payment order number from the payment order refund request;
  • Step S105 obtaining a corresponding payment order from the database according to the refund payment order number, and setting the status of the payment order to a refunded state.
  • the clearing settlement operator touches the refund button in the display interface of the external system, thereby triggering the payment order refund request, and then the external system sends the payment order refund request to the account clearing device, and the account clearing device receives the external Sending a payment order refund request, and obtaining a refund payment order number from the payment order refund request, and then obtaining a corresponding payment order from the database according to the refund payment order number, and setting the status of the payment order For a refunded status.
  • the present application sets a refund button in the external system, so that it is convenient to clear the settlement operator one-click refund, so that the account clearing device automatically completes the refund, without clearing the manual operation of the settlement operator, and improving the refund efficiency.
  • the third embodiment of the account clearing method of the present application is proposed based on the foregoing second embodiment.
  • the difference from the foregoing embodiment is that, after the step S105, the account clearing method further includes:
  • Step S106 Acquire a payment order with a status of a refunded status to generate a refunded payment order set;
  • Step S107 determining refund proof data according to the refunded payment order set, and transmitting the refund proof data to a financial system, for the financial system to generate financial documents based on the refund proof data .
  • the account clearing device After clearing the status of all the payment orders in the payment order refund request to the refunded status, the account clearing device obtains the payment order with the status of the refunded status to generate a refunded payment order set, and then according to The refunded payment order set determines the refund certificate data and transmits the refund certificate data to the financial system for the financial system to generate a financial document based on the refund certificate data.
  • the present application determines the refund certificate data according to the refund order, so that the financial system can automatically generate the financial certificate according to the refund certificate data, and realize the automatic financial reconciliation of the refund. Improve the efficiency of financial reconciliation accounting.
  • a fourth embodiment of the account clearing method of the present application is proposed based on the foregoing first, second, and third embodiments.
  • the difference from the foregoing embodiment is that the account clearing method further includes:
  • Step S108 when the reconciliation is completed, determining reconciliation dissident data according to the clear settlement information and the reconciliation file;
  • FIG. 8 is a schematic diagram of the refinement process of step S108 in FIG.
  • the step S108 includes:
  • Step S1081 When the reconciliation is completed, obtain a corresponding payment order from the database according to each payment order number in the reconciliation file to generate a payment order set;
  • Step S1082 Acquire clear settlement information of each payment order from the payment order set, and determine a reconciliation status of the payment order according to the clear settlement information;
  • Step S1083 determining reconciliation discrepancy data according to the reconciliation status and the payment order set.
  • the account clearing device obtains a corresponding payment order from the database according to each payment order number in the reconciliation file to generate a payment order set, and then obtains settlement information of each payment order from the payment order set, and Determining a reconciliation status of the payment order according to the clear settlement information, and finally determining reconciliation dissident data according to the reconciliation status and the payment order set, that is, selecting a payment order whose reconciliation status is reconciled from the payment order set, thereby Make sure the reconciliation does not match the data.
  • Step S109 generating a reconciliation discrepancy record table according to the reconciliation discrepancy data, and storing the reconciliation discrepancy record table;
  • Step S110 When receiving the query request of the externally triggered reconciliation discrepancy record, displaying the reconciliation discrepancy record table according to the query request.
  • the account clearing device After determining the reconciliation non-conformity data, the account clearing device generates a reconciliation discrepancy record table according to the reconciliation discrepancy data, and stores the reconciliation discrepancy record table, and when receiving an externally triggered reconciliation non-conformity query request, The reconciliation non-conformance record table is displayed according to the query request.
  • the present application records and stores the reconciliation data, and sets an external query interface, so that the clearing operation personnel can quickly check the reconciliation non-conformity data, and timely process the payment order that does not match the reconciliation.
  • the account clearing device records the storage duration of the reconciliation file when the reconciliation is completed, and deletes the reconciliation file when the storage duration exceeds a preset threshold, and records the storage duration of the reconciliation file. When the storage duration exceeds the preset threshold, the reconciliation file is deleted to optimize the storage space.
  • the application also provides an account settlement device.
  • FIG. 9 is a schematic diagram of functional modules of a first embodiment of an account clearing and settlement apparatus according to the present application.
  • the account settlement device includes:
  • the sending and receiving module 101 is configured to send a reconciliation file acquisition request to the external system at an interval preset time, and receive a reconciliation file returned by the external system based on the reconciliation file acquisition request;
  • the reconciliation and update module 102 is configured to reconcile the reconciliation file according to a preset reconciliation rule to update clear settlement information of the payment order in the database;
  • a determining and transmitting module 103 configured to determine, at the completion of the reconciliation, the certification data according to the clear settlement information and the reconciliation file, and transmit the certification data to a financial system for the financial system to be based on The certification data generates a financial document.
  • the first embodiment of the account clearing device of the present application is substantially the same as the first embodiment of the account clearing method, and is not described herein.
  • the reconciliation and update module 102 is further configured to:
  • the determining and transmitting module 103 is further configured to:
  • the corresponding payment order is obtained from the database according to each payment order number in the reconciliation file to generate a payment order set;
  • the account clearing device further includes:
  • a receiving and acquiring module configured to receive a payment order refund request sent by an external system, and obtain a refund payment order number from the payment order refund request;
  • the acquisition and refund module is configured to obtain a corresponding payment order from the database according to the refund payment order number, and set the status of the payment order to a refunded status.
  • the account clearing device further includes:
  • An acquisition and generation module for obtaining a payment order with a status of refunded status to generate a refunded payment order set
  • the determining and transmitting module 103 is further configured to determine refund evidence data according to the set of refunded payment orders, and transmit the refund certificate data to a financial system, wherein the financial system is based on the The refund certificate data generates financial documents.
  • the account clearing device further includes:
  • a determining module configured to determine reconciliation data according to the clearing settlement information and the reconciliation file when the reconciliation is completed
  • a generating and storing module configured to generate a reconciliation non-conformance record table according to the reconciliation discrepancy data, and store the reconciliation discrepancy record table;
  • the query and display module is configured to display the reconciliation discrepancy record table according to the query request when receiving an externally triggered reconciliation non-conformation query request.
  • the determining module is further configured to:
  • the corresponding payment order is obtained from the database according to each payment order number in the reconciliation file to generate a payment order set;
  • Reconciliation discrepancy data is determined based on the reconciliation status and the set of payment orders.
  • the account clearing device further includes:
  • a recording and deleting module configured to record a storage duration of the reconciliation file when the reconciliation is completed, and delete the reconciliation file when the storage duration exceeds a preset threshold.
  • the specific embodiment of the account clearing device of the present application is basically the same as the embodiment of the above account clearing method, and details are not described herein again.
  • the embodiment of the present application further provides a computer readable storage medium, where the computer readable storage medium stores an account clearing settlement program, and the step of implementing the account clearing method when the account clearing settlement program is executed by the processor .
  • the technical solution of the present application which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in the various embodiments of the present application.
  • a terminal device which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

本申请公开了一种账户清结算方法、装置、设备及存储介质，所述账户清结算方法包括以下步骤：以间隔预设时间向外部系统发送对账文件获取请求，并接收所述外部系统基于所述对账文件获取请求返回的对账文件；根据预设对账规则对所述对账文件进行对账，以更新数据库中支付订单的清结算信息；在对账完成时，根据所述清结算信息和所述对账文件确定制证数据，并将所述制证数据传输至财务系统，以供所述财务系统基于所述制证数据生成财务凭证。本申请能够有效的减少人力成本和有效的提高清结算效率。

Description

账户清结算方法、装置、设备及存储介质
本申请要求于2017年8月24日提交中国专利局、申请号为201710739147.6、发明名称为“账户清结算方法、设备及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本申请涉及数据处理的技术领域，尤其涉及一种账户清结算方法、装置、设备及存储介质。
背景技术
对公账户对外支付时，需要通过人工登陆网银方式，对支付订单进行支付，支付时效不可控，支付成功后，由清结算运营人员，通过网银人工逐笔对账，此外，财务人员需要在财务系统中，定期根据支付流水数据，进行对账核算，生成资金凭证和业务凭证。
由于支付、结算和核算均需要人工完成，因此，现有对公账户的清结算方式，存在清结算效率不高和人力成本较高的问题。
上述内容仅用于辅助理解本申请的技术方案，并不代表承认上述内容是现有技术。
发明内容
本申请的主要目的在于提供一种账户清结算方法、装置、设备及存储介质，旨在解决现有对公账户的清结算方式，清结算效率不高和人力成本较高的技术问题。
为实现上述目的，本申请提供一种账户清结算方法，所述账户清结算方法包括以下步骤：
以间隔预设时间向外部系统发送对账文件获取请求，并接收所述外部系统基于所述对账文件获取请求返回的对账文件；
根据预设对账规则对所述对账文件进行对账，以更新数据库中支付订单的清结算信息；
在对账完成时，根据所述清结算信息和所述对账文件确定制证数据，并将所述制证数据传输至财务系统，以供所述财务系统基于所述制证数据生成财务凭证。
此外，为实现上述目的，本申请还提供一种账户清结算装置，所述账户清结算装置包括：
发送与接收模块，用于以间隔预设时间向外部系统发送对账文件获取请求，并接收所述外部系统基于所述对账文件获取请求返回的对账文件；
对账与更新模块，用于根据预设对账规则对所述对账文件进行对账，以更新数据库中支付订单的清结算信息；
确定与传输模块，用于在对账完成时，根据所述清结算信息和所述对账文件确定制证数据，并将所述制证数据传输至财务系统，以供所述财务系统基于所述制证数据生成财务凭证。
此外，为实现上述目的，本申请还提供一种账户清结算设备，所述账户清结算设备包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的账户清结算程序，所述账户清结算程序被所述处理器执行时实现以下步骤：
以间隔预设时间向外部系统发送对账文件获取请求，并接收所述外部系统基于所述对账文件获取请求返回的对账文件；
根据预设对账规则对所述对账文件进行对账，以更新数据库中支付订单的清结算信息；
在对账完成时，根据所述清结算信息和所述对账文件确定制证数据，并将所述制证数据传输至财务系统，以供所述财务系统基于所述制证数据生成财务凭证。
本申请还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有账户清结算程序，所述账户清结算程序被处理器执行时实现以下步骤：
以间隔预设时间向外部系统发送对账文件获取请求，并接收所述外部系统基于所述对账文件获取请求返回的对账文件；
根据预设对账规则对所述对账文件进行对账，以更新数据库中支付订单的清结算信息；
在对账完成时，根据所述清结算信息和所述对账文件确定制证数据，并将所述制证数据传输至财务系统，以供所述财务系统基于所述制证数据生成财务凭证。
本申请以间隔预设时间向外部系统发送对账文件获取请求，并接收该外部系统基于该对账文件获取请求返回的对账文件，然后根据预设对账规则对该对账文件进行对账，以更新数据库中支付订单的清结算信息，最后在对账完成时，根据该清结算信息和该对账文件确定制证数据，并将该制证数据传输至财务系统，以供该财务系统基于该制证数据生成财务凭证，本方案通过获取对账文件，并根据对账文件更新数据库中支付订单的清结算信息，整个过程无需清结算运营人员参与，有效的减少人力成本，同时整个清结算过程自动化，有效的提高清结算效率，此外，根据清结算信息确定制证数据，并将制证数据传输至财务系统，使得财务系统能够自动对账核算，减少财务人员，提高对账核算效率。
附图说明
图1是本申请实施例方案涉及的硬件运行环境的设备结构示意图；
图2为本申请账户清结算方法第一实施例的流程示意图；
图3为图2中所述根据预设对账规则对所述对账文件进行对账，以更新数据库中支付订单的清结算信息步骤的细化流程示意图；
图4为图2中所述根据所述清结算信息和所述对账文件确定制证数据步骤的细化流程示意图；
图5为本申请账户清结算方法第二实施例的流程示意图；
图6为本申请账户清结算方法第三实施例的流程示意图；
图7为本申请账户清结算方法第四实施例的流程示意图；
图8为图7中所述根据所述清结算信息和所述对账文件确定对账不符数据步骤的细化流程示意图；
图9为本申请账户清结算装置第一实施例的功能模块示意图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请实施例的主要解决方案是：以间隔预设时间向外部系统发送对账文件获取请求，并接收该外部系统基于该对账文件获取请求返回的对账文件，然后根据预设对账规则对该对账文件进行对账，以更新数据库中支付订单的清结算信息，最后在对账完成时，根据该清结算信息和该对账文件确定制证数据，并将该制证数据传输至财务系统，以供该财务系统基于该制证数据生成财务凭证。
由于支付、结算和核算均需要人工完成，因此，现有对公账户的清结算方式，存在清结算效率不高和人力成本较高的问题。
为解决上述问题，本申请提供一种解决方案，本方案通过获取对账文件，并根据对账文件更新数据库中支付订单的清结算信息，整个过程无需清结算运营人员参与，有效的减少人力成本，同时整个清结算过程自动化，有效的提高清结算效率，此外，根据清结算信息确定制证数据，并将制证数据传输至财务系统，使得财务系统能够自动对账核算，减少财务人员，提高对账核算效率。
如图1所示，图1是本申请实施例方案涉及的硬件运行环境的设备结构示意图。
本申请实施例账户清结算设备可以是PC，也可以是智能手机、平板电脑、便携计算机等具有显示功能的可移动式终端设备，也可以是固定终端设备。
如图1所示，该账户清结算设备可以包括：处理器1001，例如CPU，通信总线1002，用户接口1003，网络接口1004，存储器1005。其中，通信总线1002用于实现这些组件之间的连接通信。用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选的用户接口1003还可以包括标准的有线接口、无线接口。网络接口1004可选的可以包括标准的有线接口、无线接口（如WI-FI接口）。存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。
本领域技术人员可以理解，图1中示出的账户清结算设备结构并不构成对账户清结算设备的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图1所示，作为一种计算机可读存储介质的存储器1005中可以包括操作系统、网络通信模块、用户接口模块以及账户清结算程序。
在图1所示的账户清结算设备中，网络接口1004主要用于连接后台服务器，与后台服务器进行数据通信；用户接口1003主要用于连接客户端（用户端），与客户端进行数据通信；而处理器1001可以用于调用存储器1005中存储的账户清结算程序，并执行以下实施例中账户清结算方法的步骤。
本申请账户清结算装置的具体实施例与下述账户清结算方法的各实施例基本相同，此处不再赘述。
本申请提供一种账户清结算方法。
参照图2，图2为本申请账户清结算方法第一实施例的流程示意图。
在本实施例中，该账户清结算方法包括：
步骤S101，以间隔预设时间向外部系统发送对账文件获取请求，并接收所述外部系统基于所述对账文件获取请求返回的对账文件；
该账户清结算方法应用于账户清结算设备，该账户清结算设备通过网络接口与外部系统和财务系统进行数据交互，该外部系统通过网络接口与平安银行系统进行数据交互，该平安银行系统定时生成对账文件，并将生成的对账文件存储在网盘中，即银行系统每天定时生成前一天的对账文件。该对账文件包括支付订单编号、支付状态和对账时间等。该外部系统定时触发对账文件下载请求，并根据该对账文件下载请求从银行系统的网盘中下载对账文件，然后存储将该对账文件。
该账户清结算设备以间隔预设时间向外部系统发送对账文件获取请求，外部系统在接收到该对账文件获取请求后，基于该对账文件获取请求获取最新的对账文件，并将获取到的最新对账文件返回账户清结算设备，该账户清结算设备接收该外部系统基于该对账文件获取请求返回的对账文件，并调用对账文件接收回销接口，向外部系统反馈对账文件接收成功。具体地，该账户清结算设备在每天的9点18分至12点之间，每隔8分37秒向外部系统发送对账文件获取请求，直至接收到外部系统基于该对账文件获取请求返回的对账文件，对账文件的生成需要时间，在获取对账文件时，可能存在对账文件未成功生成的情况，因此通过设置间隔预设时间能够保证账户清结算设备成功获取对账文件。在本实施例中，经实际检测，在9点18分至12点之间，每隔8分37秒发送一次对账文件获取请求，在不对外部系统造成过大压力的情况下，可以比较及时的得到反馈，从而达到最好的效果。
步骤S102，根据预设对账规则对所述对账文件进行对账，以更新数据库中支付订单的清结算信息；
该账户清结算设备在接收到对账文件后，根据预设对账规则对该对账文件进行对账，以更新数据库中支付订单的清结算信息，该清结算信息包括清算状态、对账结果和对账原因描述，该清算状态包括清算成功、清算处理中和清算失败等，该对账结果包括对账相符和对账不符等，该对账原因描述主要用于描述对账不符的原因，便于用户知晓对账不符的原因。该清结算信息能够详细的记录支付订单的状态，可根据清结算信息确定支付订单的清算状态、对账结果和对账原因描述，在支付订单出现异常时，能够快速定位异常的支付订单。
具体地，参照图3，图3为图2中所述步骤S102的细化流程示意图，该步骤S102包括：
步骤S1021，按照预设规则从所述对账文件中获取支付订单编号和订单支付状态；
步骤S1022，根据所述支付订单编号从数据库中获取对应的支付订单，并获取所述支付订单的清算状态；
步骤S1023，根据所述订单支付状态和所述清算状态更新所述支付订单的清结算信息。
该账户清结算设备按照预设规则从该对账文件中获取支付订单编号和订单支付状态，并根据该支付订单编号从数据库中获取对应的支付订单，且获取该支付订单的清算状态，然后根据该订单支付状态和该清算状态更新该支付订单的清结算信息。该预设规则包括顺序获取规则和随机获取规则，该顺序获取规则为根据支付订单编号的大小从该对账文件中依次获取支付订单编号和订单支付状态，直至对账文件中的支付订单编号均被获取，而随机获取规则为从该对账文件中随机获取支付订单编号和订单支付状态，直至对账文件中的支付订单编号均被获取一次。该订单支付状态包括支付成功和支付失败。
该预设对账规则如下：清算状态为清算成功，而订单支付状态为支付成功，则将对账结果置为对账相符；清算状态为清算成功，而订单支付状态为支付失败，则将对账结果置为对账不符，将对账原因描述置为订单支付成功，外部系统支付失败；清算状态为清算处理中，而订单支付状态为支付成功，则将对账结果置为对账相符；清算状态为清算处理中， 而单支付状态为支付失败，则将对账结果置为对账相符；清算状态为清算失败， 而订单支付状态为支付成功，则将对账结果置为对账相符；清算状态为清算失败，而订单支付状态为支付失败，则将对账结果置为对账相符；若支付订单不存在，而订单支付状态为支付成功，则新增一条对账记录，并将新增支付订单的对账结果置为对账不符，将对账原因描述置为支付订单不存在，订单支付成功。
步骤S103，在对账完成时，根据所述清结算信息和所述对账文件确定制证数据，并将所述制证数据传输至财务系统，以供所述财务系统基于所述制证数据生成财务凭证。
在对账完成时，该账户清结算设备根据该清结算信息和该对账文件确定制证数据，并将该制证数据传输至财务系统，以供该财务系统基于该制证数据生成财务凭证。该财务凭证包括资金凭证和业务凭证，该制证数据包括金额和业务类型等。
具体地，参照图4，图4为图2中所述步骤S103的细化流程示意图，该步骤S103包括：
步骤S1031，在对账完成时，根据所述对账文件中的各个支付订单编号从所述数据库中获取对应的支付订单，以生成支付订单集合；
步骤S1032，从所述支付订单集合中获取每个支付订单的清结算信息，并根据所述清结算信息确定所述支付订单的对账状态；
步骤S1033，根据所述对账状态和所述支付订单集合确定制证支付订单集合，并根据所述制证支付订单集合确定制证数据。
该账户清结算设备根据该对账文件中的各个支付订单编号从该数据库中获取对应的支付订单，以生成支付订单集合，然后从该支付订单集合中获取每个支付订单的清结算信息，并根据该清结算信息确定该支付订单的对账状态，即根据该清结算信息中的清算状态和对账结果确定支付订单的对账状态，具体为该支付订单的清算状态为清算成功、清算处理中或清算失败，且对账结果为对账相符时，则该支付订单的对账状态为对账相符状态，最后根据该对账状态和该支付订单集合确定制证支付订单集合，并根据该制证支付订单集合确定制证数据，即，从该支付订单集合中获取对账状态为对账相符的支付订单，从而生成制证支付订单集合，然后从该制证支付订单集合中获取每个支付订单的支付信息，该支付信息包括代收代付款金额和支付去向等，并将每个订单的支付信息进行汇总，以获取制证数据。该对账状态包括对账相符状态和对账不符状态，即该制证支付订单集合中每个支付订单的对账状态为对账相符状态，也就是说，只对对账相符的支付订单进行财务制证。
在本实施例中，本申请以间隔预设时间向外部系统发送对账文件获取请求，并接收该外部系统基于该对账文件获取请求返回的对账文件，然后根据预设对账规则对该对账文件进行对账，以更新数据库中支付订单的清结算信息，最后在对账完成时，根据该清结算信息和该对账文件确定制证数据，并将该制证数据传输至财务系统，以供该财务系统基于该制证数据生成财务凭证，本方案通过获取对账文件，并根据对账文件更新数据库中支付订单的清结算信息，整个清结算过程无需清结算运营人员参与，有效的减少人力成本，同时整个清结算过程自动化，有效的提高清结算效率，此外，根据清结算信息确定制证数据，并将制证数据传输至财务系统，使得财务系统能够自动对账核算，减少财务人员，提高对账核算效率。
进一步的，参照图5，基于上述第一实施例提出了本申请账户清结算方法的第二实施例，与前述实施例的区别在于，该账户清结算方法还包括：
步骤S104，接收外部系统发送的支付订单退款请求，并从所述支付订单退款请求中获取退款支付订单编号；
步骤S105，根据所述退款支付订单编号从所述数据库中获取对应的支付订单，并将所述支付订单的状态置为已退款状态。
清结算运营人员在外部系统的显示界面中触控退款按钮，从而触发支付订单退款请求，然后该外部系统将该支付订单退款请求发送至账户清结算设备，该账户清结算设备接收外部发送的支付订单退款请求，并从该支付订单退款请求中获取退款支付订单编号，然后根据该退款支付订单编号从该数据库中获取对应的支付订单，并将该支付订单的状态置为已退款状态。
在本实施例中，本申请通过在外部系统设置退款按钮，便于清结算运营人员一键退款，使得账户清结算设备自动完成退款，无需清结算运营人员人工操作，提高退款效率。
进一步的，参照图6，基于上述第二实施例提出了本申请账户清结算方法的第三实施例，与前述实施例的区别在于，该步骤S105之后，该账户清结算方法还包括：
步骤S106，获取状态为已退款状态的支付订单，以生成已退款支付订单集合；
步骤S107，根据所述已退款支付订单集合确定退款制证数据，并将所述退款制证数据传输至财务系统，以供所述财务系统基于所述退款制证数据生成财务凭证。
该账户清结算设备在将支付订单退款请求中的全部支付订单的状态均置为已退款状态后，获取状态为已退款状态的支付订单，以生成已退款支付订单集合，然后根据该已退款支付订单集合确定退款制证数据，并将该退款制证数据传输至财务系统，以供该财务系统基于该退款制证数据生成财务凭证。
在本实施例中，本申请在退款完成后，根据退款订单确定退款制证数据，使得财务系统能够自动根据退款制证数据生成财务凭证，实现退款的自动财务对账核算，提高财务对账核算效率。
进一步的，参照图7，基于上述第第一、二和第三实施例提出了本申请账户清结算方法的第四实施例，与前述实施例的区别在于，该账户清结算方法还包括：
步骤S108，在对账完成时，根据所述清结算信息和所述对账文件确定对账不符数据；
该账户清结算设备在对账完成时，根据该清结算信息和该对账文件确定对账不符数据，具体地，参照图8，图8为图7中所述步骤S108的细化流程示意图，该步骤S108包括：
步骤S1081，在对账完成时，根据所述对账文件中的各个支付订单编号从所述数据库中获取对应的支付订单，以生成支付订单集合；
步骤S1082，从所述支付订单集合中获取每个支付订单的清结算信息，并根据所述清结算信息确定所述支付订单的对账状态；
步骤S1083，根据所述对账状态和所述支付订单集合确定对账不符数据。
该账户清结算设备根据该对账文件中的各个支付订单编号从该数据库中获取对应的支付订单，以生成支付订单集合，然后从该支付订单集合中获取每个支付订单的清结算信息，并根据该清结算信息确定该支付订单的对账状态，最后根据该对账状态和该支付订单集合确定对账不符数据，即从支付订单集合中选择对账状态为对账不符的支付订单，从而确定对账不符数据。
步骤S109，根据所述对账不符数据生成对账不符记录表，并存储所述对账不符记录表；
步骤S110，在接收到外部触发的对账不符记录的查询请求时，根据所述查询请求显示所述对账不符记录表。
该账户清结算设备在确定对账不符数据后，根据该对账不符数据生成对账不符记录表，并存储该对账不符记录表，在接收到外部触发的对账不符记录的查询请求时，根据该查询请求显示该对账不符记录表。
在本实施例中，本申请通过记录和存储对账不符数据，且设置外部查询接口，便于清结算运营人员快速查询对账不符数据，及时对对账不符的支付订单进行处理。
进一步地，该账户清结算设备在对账完成时，记录该对账文件的存储时长，并在该存储时长超过预设阈值时，删除该对账文件，通过记录对账文件的存储时长，能够在存储时长超过预设阈值时，删除该对账文件，优化存储空间。
本申请还提供一种账户清结算装置。
参照图9，图9为本申请账户清结算装置第一实施例的功能模块示意图。
在本实施例中，该账户清结算装置包括：
发送与接收模块101，用于以间隔预设时间向外部系统发送对账文件获取请求，并接收所述外部系统基于所述对账文件获取请求返回的对账文件；
对账与更新模块102，用于根据预设对账规则对所述对账文件进行对账，以更新数据库中支付订单的清结算信息；
确定与传输模块103，用于在对账完成时，根据所述清结算信息和所述对账文件确定制证数据，并将所述制证数据传输至财务系统，以供所述财务系统基于所述制证数据生成财务凭证。
本申请账户清结算装置的第一实施例与上述账户清结算方法的第一实施例基本相同，在此不作赘述。
进一步地，所述对账与更新模块102，还用于：
按照预设规则从所述对账文件中获取支付订单编号和订单支付状态；
根据所述支付订单编号从数据库中获取对应的支付订单，并获取所述支付订单的清算状态；
根据所述订单支付状态和所述清算状态更新所述支付订单的清结算信息。
进一步地，所述确定与传输模块103，还用于：
在对账完成时，根据所述对账文件中的各个支付订单编号从所述数据库中获取对应的支付订单，以生成支付订单集合；
从所述支付订单集合中获取每个支付订单的清结算信息，并根据所述清结算信息确定所述支付订单的对账状态；
根据所述对账状态和所述支付订单集合确定制证支付订单集合，并根据所述制证支付订单集合确定制证数据。
进一步地，所述账户清结算装置还包括：
接收与获取模块，用于接收外部系统发送的支付订单退款请求，并从所述支付订单退款请求中获取退款支付订单编号；
获取与退款模块，用于根据所述退款支付订单编号从所述数据库中获取对应的支付订单，并将所述支付订单的状态置为已退款状态。
进一步地，所述账户清结算装置还包括：
获取与生成模块，用于获取状态为已退款状态的支付订单，以生成已退款支付订单集合；
所述确定与传输模块103，还用于根据所述已退款支付订单集合确定退款制证数据，并将所述退款制证数据传输至财务系统，以供所述财务系统基于所述退款制证数据生成财务凭证。
进一步地，所述账户清结算装置还包括：
确定模块，用于在对账完成时，根据所述清结算信息和所述对账文件确定对账不符数据；
生成与存储模块，用于根据所述对账不符数据生成对账不符记录表，并存储所述对账不符记录表；
查询与显示模块，用于在接收到外部触发的对账不符记录的查询请求时，根据所述查询请求显示所述对账不符记录表。
进一步地，所述确定模块，还用于：
在对账完成时，根据所述对账文件中的各个支付订单编号从所述数据库中获取对应的支付订单，以生成支付订单集合；
从所述支付订单集合中获取每个支付订单的清结算信息，并根据所述清结算信息确定所述支付订单的对账状态；
根据所述对账状态和所述支付订单集合确定对账不符数据。
进一步地，所述账户清结算装置还包括：
记录与删除模块，用于在对账完成时，记录所述对账文件的存储时长，并在所述存储时长超过预设阈值时，删除所述对账文件。
本申请账户清结算装置的具体实施例与上述账户清结算方法的各实施例基本相同，此处不再赘述。
此外，本申请实施例还提出一种计算机可读存储介质，所述计算机可读存储介质上存储有账户清结算程序，所述账户清结算程序被处理器执行时实现上述账户清结算方法的步骤。
本申请计算机可读存储介质的具体实施例与上述账户清结算方法的各具体实施例基本相同，在此不作赘述。
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者系统不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者系统所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者系统中还存在另外的相同要素。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在如上所述的一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，空调器，或者网络设备等)执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种账户清结算方法，其特征在于，所述账户清结算方法包括以下步骤：
    以间隔预设时间向外部系统发送对账文件获取请求，并接收所述外部系统基于所述对账文件获取请求返回的对账文件；
    根据预设对账规则对所述对账文件进行对账，以更新数据库中支付订单的清结算信息；
    在对账完成时，根据所述清结算信息和所述对账文件确定制证数据，并将所述制证数据传输至财务系统，以供所述财务系统基于所述制证数据生成财务凭证。
  2. 如权利要求1所述的账户清结算方法，其特征在于，所述根据预设对账规则对所述对账文件进行对账，以更新数据库中支付订单的清结算信息的步骤包括：
    按照预设规则从所述对账文件中获取支付订单编号和订单支付状态；
    根据所述支付订单编号从数据库中获取对应的支付订单，并获取所述支付订单的清算状态；
    根据所述订单支付状态和所述清算状态更新所述支付订单的清结算信息。
  3. 如权利要求1所述的账户清结算方法，其特征在于，所述根据所述清结算信息和所述对账文件确定制证数据的步骤包括：
    在对账完成时，根据所述对账文件中的各个支付订单编号从所述数据库中获取对应的支付订单，以生成支付订单集合；
    从所述支付订单集合中获取每个支付订单的清结算信息，并根据所述清结算信息确定所述支付订单的对账状态；
    根据所述对账状态和所述支付订单集合确定制证支付订单集合，并根据所述制证支付订单集合确定制证数据。
  4. 如权利要求1所述的账户清结算方法，其特征在于，所述账户清结算方法还包括：
    接收外部系统发送的支付订单退款请求，并从所述支付订单退款请求中获取退款支付订单编号；
    根据所述退款支付订单编号从所述数据库中获取对应的支付订单，并将所述支付订单的状态置为已退款状态。
  5. 如权利要求4所述的账户清结算方法，其特征在于，所述根据所述退款支付订单编号从所述数据库中获取对应的支付订单，并将所述支付订单的状态置为已退款状态的步骤之后，所述账户清结算方法还包括：
    获取状态为已退款状态的支付订单，以生成已退款支付订单集合；
    根据所述已退款支付订单集合确定退款制证数据，并将所述退款制证数据传输至财务系统，以供所述财务系统基于所述退款制证数据生成财务凭证。
  6. 如权利要求1所述的账户清结算方法，其特征在于，所述账户清结算方法还包括：
    在对账完成时，根据所述清结算信息和所述对账文件确定对账不符数据；
    根据所述对账不符数据生成对账不符记录表，并存储所述对账不符记录表；
    在接收到外部触发的对账不符记录的查询请求时，根据所述查询请求显示所述对账不符记录表。
  7. 如权利要求6所述的账户清结算方法，其特征在于，所述根据所述清结算信息和所述对账文件确定对账不符数据的步骤包括：
    在对账完成时，根据所述对账文件中的各个支付订单编号从所述数据库中获取对应的支付订单，以生成支付订单集合；
    从所述支付订单集合中获取每个支付订单的清结算信息，并根据所述清结算信息确定所述支付订单的对账状态；
    根据所述对账状态和所述支付订单集合确定对账不符数据。
  8. 如权利要求1所述的账户清结算方法，其特征在于，所述账户清结算方法还包括：
    在对账完成时，记录所述对账文件的存储时长，并在所述存储时长超过预设阈值时，删除所述对账文件。
  9. 一种账户清结算装置，其特征在于，所述账户清结算装置包括：
    发送与接收模块，用于以间隔预设时间向外部系统发送对账文件获取请求，并接收所述外部系统基于所述对账文件获取请求返回的对账文件；
    对账与更新模块，用于根据预设对账规则对所述对账文件进行对账，以更新数据库中支付订单的清结算信息；
    确定与传输模块，用于在对账完成时，根据所述清结算信息和所述对账文件确定制证数据，并将所述制证数据传输至财务系统，以供所述财务系统基于所述制证数据生成财务凭证。
  10. 如权利要求9所述的账户清结算装置，其特征在于，所述对账与更新模块，还用于：
    按照预设规则从所述对账文件中获取支付订单编号和订单支付状态；
    根据所述支付订单编号从数据库中获取对应的支付订单，并获取所述支付订单的清算状态；
    根据所述订单支付状态和所述清算状态更新所述支付订单的清结算信息。
  11. 如权利要求9所述的账户清结算装置，其特征在于，所述确定与传输模块，还用于：
    在对账完成时，根据所述对账文件中的各个支付订单编号从所述数据库中获取对应的支付订单，以生成支付订单集合；
    从所述支付订单集合中获取每个支付订单的清结算信息，并根据所述清结算信息确定所述支付订单的对账状态；
    根据所述对账状态和所述支付订单集合确定制证支付订单集合，并根据所述制证支付订单集合确定制证数据。
  12. 如权利要求9所述的账户清结算装置，其特征在于，所述账户清结算装置还包括：
    接收与获取模块，用于接收外部系统发送的支付订单退款请求，并从所述支付订单退款请求中获取退款支付订单编号；
    获取与退款模块，用于根据所述退款支付订单编号从所述数据库中获取对应的支付订单，并将所述支付订单的状态置为已退款状态。
  13. 一种账户清结算设备，其特征在于，所述账户清结算设备包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的账户清结算程序，所述账户清结算程序被所述处理器执行时实现以下步骤：
    以间隔预设时间向外部系统发送对账文件获取请求，并接收所述外部系统基于所述对账文件获取请求返回的对账文件；
    根据预设对账规则对所述对账文件进行对账，以更新数据库中支付订单的清结算信息；
    在对账完成时，根据所述清结算信息和所述对账文件确定制证数据，并将所述制证数据传输至财务系统，以供所述财务系统基于所述制证数据生成财务凭证。
  14. 如权利要求13所述的账户清结算设备，其特征在于，所述账户清结算程序被所述处理器执行时还实现以下步骤：
    按照预设规则从所述对账文件中获取支付订单编号和订单支付状态；
    根据所述支付订单编号从数据库中获取对应的支付订单，并获取所述支付订单的清算状态；
    根据所述订单支付状态和所述清算状态更新所述支付订单的清结算信息。
  15. 如权利要求13所述的账户清结算设备，其特征在于，所述账户清结算程序被所述处理器执行时还实现以下步骤：
    在对账完成时，根据所述对账文件中的各个支付订单编号从所述数据库中获取对应的支付订单，以生成支付订单集合；
    从所述支付订单集合中获取每个支付订单的清结算信息，并根据所述清结算信息确定所述支付订单的对账状态；
    根据所述对账状态和所述支付订单集合确定制证支付订单集合，并根据所述制证支付订单集合确定制证数据。
  16. 如权利要求13所述的账户清结算设备，其特征在于，所述账户清结算程序被所述处理器执行时还实现以下步骤：
    接收外部系统发送的支付订单退款请求，并从所述支付订单退款请求中获取退款支付订单编号；
    根据所述退款支付订单编号从所述数据库中获取对应的支付订单，并将所述支付订单的状态置为已退款状态。
  17. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有账户清结算程序，所述账户清结算程序被处理器执行时实现以下步骤：
    以间隔预设时间向外部系统发送对账文件获取请求，并接收所述外部系统基于所述对账文件获取请求返回的对账文件；
    根据预设对账规则对所述对账文件进行对账，以更新数据库中支付订单的清结算信息；
    在对账完成时，根据所述清结算信息和所述对账文件确定制证数据，并将所述制证数据传输至财务系统，以供所述财务系统基于所述制证数据生成财务凭证。
  18. 如权利要求17所述的计算机可读存储介质，其特征在于，所述账户清结算程序被处理器执行时还实现以下步骤：
    按照预设规则从所述对账文件中获取支付订单编号和订单支付状态；
    根据所述支付订单编号从数据库中获取对应的支付订单，并获取所述支付订单的清算状态；
    根据所述订单支付状态和所述清算状态更新所述支付订单的清结算信息。
  19. 如权利要求17所述的计算机可读存储介质，其特征在于，所述账户清结算程序被处理器执行时还实现以下步骤：
    在对账完成时，根据所述对账文件中的各个支付订单编号从所述数据库中获取对应的支付订单，以生成支付订单集合；
    从所述支付订单集合中获取每个支付订单的清结算信息，并根据所述清结算信息确定所述支付订单的对账状态；
    根据所述对账状态和所述支付订单集合确定制证支付订单集合，并根据所述制证支付订单集合确定制证数据。
  20. 如权利要求17所述的计算机可读存储介质，其特征在于，所述账户清结算程序被处理器执行时还实现以下步骤：
    接收外部系统发送的支付订单退款请求，并从所述支付订单退款请求中获取退款支付订单编号；
    根据所述退款支付订单编号从所述数据库中获取对应的支付订单，并将所述支付订单的状态置为已退款状态。
PCT/CN2018/075666 2017-08-24 2018-02-07 账户清结算方法、装置、设备及存储介质 Ceased WO2019037396A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201710739147.6A CN107730228A (zh) 2017-08-24 2017-08-24 账户清结算方法、设备及存储介质
CN201710739147.6 2017-08-24

Publications (1)

Publication Number Publication Date
WO2019037396A1 true WO2019037396A1 (zh) 2019-02-28

Family

ID=61205297

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2018/075666 Ceased WO2019037396A1 (zh) 2017-08-24 2018-02-07 账户清结算方法、装置、设备及存储介质

Country Status (2)

Country Link
CN (1) CN107730228A (zh)
WO (1) WO2019037396A1 (zh)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111681141A (zh) * 2020-05-28 2020-09-18 平安银行股份有限公司 文件认证方法、文件认证装置及终端设备

Families Citing this family (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108230136A (zh) * 2018-03-23 2018-06-29 万帮充电设备有限公司 对账方法及装置
CN108765107A (zh) * 2018-04-04 2018-11-06 首汽租赁有限责任公司 一种业财一体化下的数据保存方法
CN108694660A (zh) * 2018-04-04 2018-10-23 首汽租赁有限责任公司 一种业财一体化对账方法
CN108762727B (zh) * 2018-04-04 2023-10-17 首汽租赁有限责任公司 一种事件驱动的财务信息处理方法和系统
CN108765108A (zh) * 2018-04-04 2018-11-06 首汽租赁有限责任公司 一种业财一体化下的财务数据处理系统和方法
CN108830697A (zh) * 2018-04-04 2018-11-16 首汽租赁有限责任公司 一种业财一体化系统和方法
CN108765106A (zh) * 2018-04-04 2018-11-06 首汽租赁有限责任公司 一种业财一体化的财务凭证生成方法
CN108921680A (zh) * 2018-05-31 2018-11-30 康键信息技术（深圳）有限公司 财务数据制证方法、装置、计算机设备和存储介质
CN109670949A (zh) * 2018-09-27 2019-04-23 深圳壹账通智能科技有限公司 交易清算方法、装置、设备及存储介质
CN110046877B (zh) * 2018-11-30 2023-09-29 创新先进技术有限公司 对账方法和装置、服务器
CN110443598B (zh) * 2019-08-08 2023-03-28 上海中通吉网络技术有限公司 账户结算方法和装置
CN110782243A (zh) * 2019-10-25 2020-02-11 上海德启信息科技有限公司 账户清算方法、装置及电子设备
CN111861530A (zh) * 2019-11-19 2020-10-30 北京嘀嘀无限科技发展有限公司 一种订单数据处理方法、装置、电子设备及可读存储介质
CN111523868A (zh) * 2020-03-15 2020-08-11 杭州卓健信息科技有限公司 聚合支付系统及其电子设备
CN111666303B (zh) * 2020-05-29 2022-09-09 傲网信息科技（厦门）有限公司 一种在线离线单据处理系统和方法
CN111833058B (zh) * 2020-07-01 2024-10-22 中国建设银行股份有限公司 一种缴费管理方法和装置
CN113129121A (zh) * 2021-04-28 2021-07-16 北京数聚智连科技股份有限公司 一种电商平台财务对账核算方法以及装置
CN116188190B (zh) * 2023-04-21 2023-07-21 梅州客商银行股份有限公司 一种高并发支付系统多批次半实时对账方法及系统
CN120996959B (zh) * 2025-08-08 2026-02-24 北京云行在线软件开发有限责任公司 一种网约车订单的财务核对系统及方法

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102968716A (zh) * 2012-11-26 2013-03-13 深圳中兴网信科技有限公司 对账系统和对账方法
CN102968705A (zh) * 2012-11-05 2013-03-13 北京京东世纪贸易有限公司 处理信息的方法和装置
CN105989462A (zh) * 2015-02-02 2016-10-05 卓望数码技术（深圳）有限公司 一种支持不同支付渠道的结算方法及结算系统
CN106327317A (zh) * 2015-06-16 2017-01-11 阿里巴巴集团控股有限公司 一种用于计算机系统的数据核对方法及设备

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102968705A (zh) * 2012-11-05 2013-03-13 北京京东世纪贸易有限公司 处理信息的方法和装置
CN102968716A (zh) * 2012-11-26 2013-03-13 深圳中兴网信科技有限公司 对账系统和对账方法
CN105989462A (zh) * 2015-02-02 2016-10-05 卓望数码技术（深圳）有限公司 一种支持不同支付渠道的结算方法及结算系统
CN106327317A (zh) * 2015-06-16 2017-01-11 阿里巴巴集团控股有限公司 一种用于计算机系统的数据核对方法及设备

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111681141A (zh) * 2020-05-28 2020-09-18 平安银行股份有限公司 文件认证方法、文件认证装置及终端设备
CN111681141B (zh) * 2020-05-28 2024-05-10 平安银行股份有限公司 文件认证方法、文件认证装置及终端设备

Also Published As

Publication number Publication date
CN107730228A (zh) 2018-02-23

Similar Documents

Publication Publication Date Title
WO2019037396A1 (zh) 账户清结算方法、装置、设备及存储介质
WO2018107610A1 (zh) 业务数据处理方法、系统、设备及计算机可读存储介质
WO2019104876A1 (zh) 保险产品的推送方法、系统、终端、客户终端及存储介质
WO2019061613A1 (zh) 贷款资质筛选方法、装置及计算机可读存储介质
WO2019100638A1 (zh) 数据同步方法、装置、设备及存储介质
WO2019109521A1 (zh) 视频面签身份审核方法、装置、设备及可读存储介质
WO2019061614A1 (zh) 贷款产品匹配方法、装置及计算机可读存储介质
WO2018233351A1 (zh) 自助理赔方法、装置、服务器和计算机可读存储介质
WO2020224247A1 (zh) 基于区块链的数据溯源方法、装置、设备及可读存储介质
WO2019001087A1 (zh) 案件理赔方法、装置、服务器及计算机可读存储介质
WO2019024219A1 (zh) 文档自动生成方法、装置、文档自动生成器及介质
WO2019104877A1 (zh) 通过网站对接购买保险的方法、装置、设备及介质
WO2018233301A1 (zh) 产品推荐方法、装置、设备以及计算机可读存储介质
WO2018228050A1 (zh) 防止敏感信息泄露的方法、装置及存储介质
WO2018166314A1 (zh) 额度审批方法、装置、设备以及计算机可读存储介质
WO2019051902A1 (zh) 终端控制方法、空调器及计算机可读存储介质
WO2017036007A1 (zh) 线上线下健康服务产品多级推广处理系统及方法
WO2019161597A1 (zh) 基于即时通讯的信息发送方法、装置、设备和存储介质
WO2019090984A1 (zh) 一种保单责任明细的核对方法和装置
WO2019037454A1 (zh) 保费缴纳方法、装置、设备及可读存储介质
WO2019000801A1 (zh) 数据同步方法、装置、设备及计算机可读存储介质
WO2016058258A1 (zh) 终端远程控制方法和系统
WO2019134218A1 (zh) 基于vtm的转账方法、装置、服务器和存储介质
WO2018188196A1 (zh) 一种数据版本控制方法、数据版本控制器、设备及计算机可读存储介质
WO2019100531A1 (zh) 数字签名生成、验证方法及其设备和存储介质

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 18848777

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205A DATED 11.09.2020)

122 Ep: pct application non-entry in european phase

Ref document number: 18848777

Country of ref document: EP

Kind code of ref document: A1