WO2019037396A1

WO2019037396A1 - Account clearing method, device and equipment and storage medium

Info

Publication number: WO2019037396A1
Application number: PCT/CN2018/075666
Authority: WO
Inventors: 朱文力
Original assignee: 深圳壹账通智能科技有限公司
Priority date: 2017-08-24
Filing date: 2018-02-07
Publication date: 2019-02-28
Also published as: CN107730228A

Abstract

Disclosed in the present application are an account clearing method, device and equipment and a storage medium, the account clearing method comprising the following steps: sending an account verification file acquisition request to an external system at a preset time interval, and receiving an account verification file returned by the external system on the basis of the account verification file acquisition request; performing account verification on the account verification file according to a preset account verification rule so as to update clearing information for a payment order in a database; and when the account verification is completed, determining accreditation data according to the clearing information and the account verification file, and transmitting the accreditation data to a finance system, so that the finance system generates a financial voucher on the basis of the accreditation data. The present application is advantageous in that labor cost may be effectively reduced and clearing efficiency may be effectively increased.

Description

Account settlement method, device, device and storage medium

This application claims the priority of the Chinese Patent Application filed on August 24, 2017, the Chinese Patent Application No. 201710739147.6, the title of the invention is "Account Clearing Method, Equipment and Storage Media", the entire contents of which are incorporated by reference. in.

Technical field

The present application relates to the technical field of data processing, and in particular, to an account clearing method, apparatus, device, and storage medium.

Background technique

When the public account is paid externally, it is necessary to manually pay the online banking method to pay the payment order, and the payment time is uncontrollable. After the payment is successful, the clearing and settlement personnel will manually reconcile through the online banking. In addition, the financial personnel need to be in finance. In the system, the reconciliation accounting is performed periodically according to the payment flow data, and the fund voucher and the business voucher are generated.

Since the payment, settlement and accounting need to be completed manually, the existing settlement method for the public account has the problems of low settlement efficiency and high labor cost.

The above content is only used to assist in understanding the technical solutions of the present application, and does not constitute an admission that the above is prior art.

Summary of the invention

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.

To achieve the above objective, the present application provides an account settlement method, and the account settlement method includes the following steps:

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;

Reconciling the reconciliation file according to a preset reconciliation rule to update the settlement information of the payment order in the database;

When the reconciliation is completed, 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. .

In addition, in order to achieve the above object, 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.

In addition, in order to achieve the above object, 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 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 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. In addition, 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. .

DRAWINGS

1 is a schematic structural diagram of a device in a hardware operating environment involved in an embodiment of the present application;

2 is a schematic flow chart of a first embodiment of an account settlement settlement method according to the present application;

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;

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.

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 implementation, functional features and advantages of the present application will be further described with reference to the accompanying drawings.

Detailed ways

It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

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.

In order to solve the above problem, the present application provides a solution. By obtaining a reconciliation file and updating the settlement information of the payment order in the database according to the reconciliation file, the whole process does not need to clear the settlement operation personnel to participate, thereby effectively reducing the labor cost. At the same time, the entire settlement process is automated, effectively improving the settlement efficiency. In addition, 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.

As shown in FIG. 1 , 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.

As shown in FIG. 1, 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. Among them, 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.

It will be understood by those skilled in the art that the account clearing device structure shown in 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.

As shown in FIG. 1, an operating system, a network communication module, a user interface module, and an account settlement program may be included in the memory 1005 as a computer readable storage medium.

In the account clearing device shown in FIG. 1, 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.

Referring to FIG. 2, FIG. 2 is a schematic flowchart of a first embodiment of an account settlement settlement method according to the present application.

In this embodiment, 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. Specifically, 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. When the reconciliation file is obtained, there may be cases where the reconciliation file is not successfully generated. Therefore, by setting the interval preset time, the account clearing device can successfully obtain the reconciliation file. In this embodiment, after the actual detection, between 9:18 and 12:00, 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;

After receiving the reconciliation file, 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. And the reason for the reconciliation, the clearing status includes clearing success, clearing processing, and clearing failure, etc., the reconciliation result includes reconciliation matching and reconciliation inconsistency, etc., and 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.

Specifically, referring to FIG. 3, 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. If the payment status of the order is successful, 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.

When the reconciliation is completed, 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.

Specifically, referring to FIG. 4, 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 reconciliation status includes a reconciliation status and a reconciliation status, that is, the reconciliation status of each payment order in the forensic payment order set is a reconciliation status, that is, only the reconciliation payment order is performed. Financial certification.

In this embodiment, 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. For the financial system to generate financial documents based on the certification data, 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. In addition, 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.

Further, with reference to FIG. 5, 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.

In this embodiment, 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.

Further, referring to FIG. 6, 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 .

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.

In this embodiment, after the refund is completed, 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.

Further, referring to FIG. 7, 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;

When the reconciliation is completed, the account settlement device determines the reconciliation data according to the clear settlement information and the reconciliation file. Specifically, referring to FIG. 8, 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.

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.

In this embodiment, 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.

Further, 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.

Referring to FIG. 9, 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.

In this embodiment, 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.

Further, the reconciliation and update module 102 is further configured to:

Obtaining a payment order number and an order payment status from the reconciliation file according to a preset rule;

Obtaining a corresponding payment order from the database according to the payment order number, and acquiring a clearing status of the payment order;

Updating the settlement information of the payment order according to the order payment status and the clearing status.

Further, the determining and transmitting module 103 is further configured to:

When the reconciliation is completed, 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;

Obtain clear settlement information of each payment order from the set of payment orders, and determine a reconciliation status of the payment order according to the clear settlement information;

Determining a set of proof payment orders based on the reconciliation status and the set of payment orders, and determining the corroboration data based on the set of proof payment orders.

Further, 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.

Further, 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.

Further, 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.

Further, the determining module is further configured to:

Reconciliation discrepancy data is determined based on the reconciliation status and the set of payment orders.

Further, the account clearing device further includes:

And 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.

In addition, 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 specific embodiment of the computer readable storage medium of the present application is substantially the same as the specific embodiment of the account clearing method, and is not described herein.

It is to be understood that the term "comprises", "comprising", or any other variants thereof, is intended to encompass a non-exclusive inclusion, such that a process, method, article, or It also includes other elements that are not explicitly listed, or elements that are inherent to such a process, method, item, or system. An element defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in a process, method, article, or system that includes the element, without further limitation.

The serial numbers of the embodiments of the present application are merely for the description, and do not represent the advantages and disadvantages of the embodiments.

Through the description of the above embodiments, those skilled in the art can clearly understand that the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better. Implementation. Based on such understanding, 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.

The above is only a preferred embodiment of the present application, and is not intended to limit the scope of the patent application, and the equivalent structure or equivalent process transformations made by the specification and the drawings of the present application, or directly or indirectly applied to other related technical fields. The same is included in the scope of patent protection of this application.

Claims

An account settlement method is characterized in that the account settlement method comprises the following steps:

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;

Reconciling the reconciliation file according to a preset reconciliation rule to update the settlement information of the payment order in the database;

When the reconciliation is completed, 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 account settlement settlement method according to claim 1, wherein 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 comprises:

Obtaining a payment order number and an order payment status from the reconciliation file according to a preset rule;

Obtaining a corresponding payment order from the database according to the payment order number, and acquiring a clearing status of the payment order;

Updating the settlement information of the payment order according to the order payment status and the clearing status.
The account settlement settlement method according to claim 1, wherein the step of determining the certification data based on the clear settlement information and the reconciliation file comprises:

When the reconciliation is completed, 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;

Obtain clear settlement information of each payment order from the set of payment orders, and determine a reconciliation status of the payment order according to the clear settlement information;

Determining a set of proof payment orders based on the reconciliation status and the set of payment orders, and determining the corroboration data based on the set of proof payment orders.
The account clearing method according to claim 1, wherein the account clearing method further comprises:

Receiving a payment order refund request sent by an external system, and obtaining a refund payment order number from the payment order refund request;

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 status.
The account settlement settlement method according to claim 4, wherein said obtaining a corresponding payment order from said database based on said refund payment order number, and setting a status of said payment order to be refunded After the step of status, the account settlement method further includes:

Obtain a payment order with a status of refunded status to generate a refunded payment order set;

The refund certificate data is determined based on the set of refunded payment orders, and the refund certificate data is transmitted to the financial system for the financial system to generate financial documents based on the refund certificate data.
The account clearing method according to claim 1, wherein the account clearing method further comprises:

When the reconciliation is completed, the reconciliation data is determined according to the clear settlement information and the reconciliation file;

Generating a reconciliation discrepancy record table according to the reconciliation discrepancy data, and storing the reconciliation discrepancy record table;

Upon receiving the externally triggered reconciliation non-conformation query request, the reconciliation discrepancy record table is displayed according to the query request.
The account settlement settlement method according to claim 6, wherein the step of determining the reconciliation dissident data according to the clear settlement information and the reconciliation file comprises:

When the reconciliation is completed, 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;

Obtain clear settlement information of each payment order from the set of payment orders, and determine a reconciliation status of the payment order according to the clear settlement information;

Reconciliation discrepancy data is determined based on the reconciliation status and the set of payment orders.
The account clearing method according to claim 1, wherein the account clearing method further comprises:

When the reconciliation is completed, the storage duration of the reconciliation file is recorded, and when the storage duration exceeds a preset threshold, the reconciliation file is deleted.
An account clearing device, wherein the account clearing device comprises:

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 account clearing and settlement device according to claim 9, wherein the reconciliation and update module is further configured to:

Obtaining a payment order number and an order payment status from the reconciliation file according to a preset rule;

Obtaining a corresponding payment order from the database according to the payment order number, and acquiring a clearing status of the payment order;

Updating the settlement information of the payment order according to the order payment status and the clearing status.
The account clearing and settlement device according to claim 9, wherein the determining and transmitting module is further configured to:

When the reconciliation is completed, 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;

Obtain clear settlement information of each payment order from the set of payment orders, and determine a reconciliation status of the payment order according to the clear settlement information;

Determining a set of proof payment orders based on the reconciliation status and the set of payment orders, and determining the corroboration data based on the set of proof payment orders.
The account clearing device of claim 9, wherein the account clearing device further comprises:

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.
An account clearing device, wherein the account clearing device comprises: a memory, a processor, and an account clearing program stored on the memory and operable on the processor, the account clearing The following steps are implemented when the program is executed by the processor:

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;

Reconciling the reconciliation file according to a preset reconciliation rule to update the settlement information of the payment order in the database;

When the reconciliation is completed, 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 account clearing and settlement device according to claim 13, wherein said account clearing settlement program is further executed by said processor to:

Obtaining a payment order number and an order payment status from the reconciliation file according to a preset rule;

Obtaining a corresponding payment order from the database according to the payment order number, and acquiring a clearing status of the payment order;

Updating the settlement information of the payment order according to the order payment status and the clearing status.
The account clearing and settlement device according to claim 13, wherein said account clearing settlement program is further executed by said processor to:

When the reconciliation is completed, 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;

Obtain clear settlement information of each payment order from the set of payment orders, and determine a reconciliation status of the payment order according to the clear settlement information;

Determining a set of proof payment orders based on the reconciliation status and the set of payment orders, and determining the corroboration data based on the set of proof payment orders.
The account clearing and settlement device according to claim 13, wherein said account clearing settlement program is further executed by said processor to:

Receiving a payment order refund request sent by an external system, and obtaining a refund payment order number from the payment order refund request;

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 status.
A computer readable storage medium, characterized in that the computer readable storage medium stores an account clearing settlement program, and when the account clearing settlement program is executed by the processor, the following steps are implemented:

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;

Reconciling the reconciliation file according to a preset reconciliation rule to update the settlement information of the payment order in the database;

When the reconciliation is completed, 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 computer readable storage medium of claim 17, wherein the account clearing program is further executed by the processor to:

Obtaining a payment order number and an order payment status from the reconciliation file according to a preset rule;

Obtaining a corresponding payment order from the database according to the payment order number, and acquiring a clearing status of the payment order;

Updating the settlement information of the payment order according to the order payment status and the clearing status.
The computer readable storage medium of claim 17, wherein the account clearing program is further executed by the processor to:

When the reconciliation is completed, 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;

Obtain clear settlement information of each payment order from the set of payment orders, and determine a reconciliation status of the payment order according to the clear settlement information;

Determining a set of proof payment orders based on the reconciliation status and the set of payment orders, and determining the corroboration data based on the set of proof payment orders.
The computer readable storage medium of claim 17, wherein the account clearing program is further executed by the processor to:

Receiving a payment order refund request sent by an external system, and obtaining a refund payment order number from the payment order refund request;

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 status.