WO2019218977A1 - 清算对账方法、装置及计算机设备 - Google Patents

清算对账方法、装置及计算机设备 Download PDF

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WO2019218977A1
WO2019218977A1 PCT/CN2019/086692 CN2019086692W WO2019218977A1 WO 2019218977 A1 WO2019218977 A1 WO 2019218977A1 CN 2019086692 W CN2019086692 W CN 2019086692W WO 2019218977 A1 WO2019218977 A1 WO 2019218977A1
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Prior art keywords
clearing
reconciliation
time
data
segmentation
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PCT/CN2019/086692
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English (en)
French (fr)
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张群
张志远
李萍
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网联清算有限公司
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Priority to EP19803256.7A priority Critical patent/EP3796246B1/en
Priority to US17/052,065 priority patent/US20210240518A1/en
Priority to JP2020558512A priority patent/JP7247217B2/ja
Publication of WO2019218977A1 publication Critical patent/WO2019218977A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F9/00—Arrangements for program control, e.g. control units
    • G06F9/06—Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
    • G06F9/46—Multiprogramming arrangements
    • G06F9/466—Transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/23—Updating
    • G06F16/2308—Concurrency control
    • G06F16/2315—Optimistic concurrency control
    • G06F16/2322—Optimistic concurrency control using timestamps
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present application relates to the field of clearing technology, and in particular, to a clearing and reconciling method, device and computer device.
  • the present application aims to solve at least one of the technical problems in the related art to some extent.
  • an object of the present application is to propose a clearing and reconciliation method, which can reduce the pressure on the business system, improve the efficiency of clearing reconciliation and the utilization of system resources, and has high real-time performance.
  • Another object of the present application is to propose a clearing and reconciliation apparatus.
  • Another object of the present application is to propose a non-transitory computer readable storage medium.
  • Another object of the present application is to propose a computer program product.
  • Another object of the present application is to propose a computer device.
  • the clearing and reconciliation method proposed by the embodiment of the first aspect of the present application includes: dividing a preset factor corresponding to the clearing reconciliation data to obtain a plurality of segmentation points; at each segmentation point, The liquidation reconciliation data accumulated at the current segmentation point is liquidated and reconciled.
  • the clearing reconciliation method proposed by the embodiment of the first aspect of the present application divides the preset factors corresponding to the clearing reconciliation data to obtain a plurality of segmentation points, and accumulates the current segmentation points at each segmentation point. Clearing and reconciling the reconciled reconciliation data can reduce the pressure on the business system, improve the efficiency of clearing reconciliation and the utilization of system resources, and have higher real-time performance.
  • the clearing and reconciliation device proposed by the embodiment of the second aspect of the present invention includes: a segmentation module, which is configured to segment a preset factor corresponding to the clearing reconciliation data to obtain a plurality of segmentation points;
  • the account module is used for clearing and reconciling the data to be cleared and accumulated at the current segmentation point at each segmentation point.
  • the clearing and reconciliation device proposed by the embodiment of the second aspect of the present application divides the preset factor corresponding to the clearing reconciliation data to obtain a plurality of segmentation points, and accumulates the current segmentation points at each segmentation point. Clearing and reconciling the reconciled reconciliation data can reduce the pressure on the business system, improve the efficiency of clearing reconciliation and the utilization of system resources, and have higher real-time performance.
  • a non-transitory computer readable storage medium as set forth in the third aspect of the present application, when the instructions in the storage medium are executed by a processor of the mobile terminal, enables the mobile terminal to perform a clearing pair
  • the accounting method includes: dividing a preset factor corresponding to the clearing reconciliation data to obtain a plurality of segmentation points; and performing, at each segmentation point, the data to be cleared and reconciled accumulated by the current segmentation point Liquidation reconciliation.
  • the non-transitory computer readable storage medium proposed by the embodiment of the third aspect of the present invention divides a preset factor corresponding to the clearing of the reconciliation data to obtain a plurality of segmentation points, and at each segmentation point, the current slice is Clearing and reconciling the data to be settled and accumulated by the points, which can reduce the pressure on the business system, improve the efficiency of clearing reconciliation and the utilization of system resources, and have higher real-time performance.
  • a computer program product when an instruction in the computer program product is executed by a processor, performs a clearing reconciliation method, the method comprising: reconciling a reconciliation The preset factors corresponding to the data are segmented to obtain a plurality of segmentation points; at each segmentation point, the settlement data to be cleared accumulated by the current segmentation point is liquidated and reconciled.
  • the computer program product divides a preset factor corresponding to the clearing reconciliation data to obtain a plurality of segmentation points, and at each segmentation point, accumulates the current segmentation point. Clearing and reconciling the reconciliation data can reduce the pressure on the business system, improve the efficiency of clearing reconciliation and system resource utilization, and have higher real-time performance.
  • a fifth aspect of the present application further provides a computer device including a housing, a processor, a memory, a circuit board, and a power supply circuit, wherein the circuit board is disposed inside a space enclosed by the housing, a processor and said memory disposed on said circuit board; said power supply circuit for powering respective circuits or devices of said computer device; said memory for storing executable program code; said processor being read by And executing, by the executable program code stored in the memory, a program corresponding to the executable program code, for performing: dividing a preset factor corresponding to the clearing of the reconciliation data to obtain a plurality of segmentation points; At each segmentation point, the clearing and reconciliation data to be cleared for the current segmentation point is cleared and reconciled.
  • the computer device divides a preset factor corresponding to the clearing reconciliation data to obtain a plurality of segmentation points, and at each segmentation point, the accumulated points of the current segmentation point are accumulated. Clearing and reconciling the reconciliation data can reduce the pressure on the business system, improve the efficiency of clearing reconciliation and the utilization of system resources, and have higher real-time performance.
  • FIG. 1 is a schematic flow chart of a clearing and reconciliation method according to an embodiment of the present application.
  • FIG. 2 is a schematic flow chart of a clearing and reconciliation method according to another embodiment of the present application.
  • FIG. 3 is a schematic flow chart of a clearing and reconciliation method according to another embodiment of the present application.
  • FIG. 4 is a schematic flow chart of a clearing and reconciliation method according to another embodiment of the present application.
  • FIG. 5 is a schematic structural diagram of a clearing and reconciliation apparatus according to an embodiment of the present application.
  • FIG. 6 is a schematic structural diagram of a clearing and reconciliation apparatus according to another embodiment of the present application.
  • FIG. 7 is a schematic structural diagram of a computer device according to an embodiment of the present application.
  • FIG. 1 is a schematic flow chart of a clearing and reconciliation method according to an embodiment of the present application.
  • the clearing and reconciliation method in the embodiment of the present application can be specifically applied to the network clearing platform, and no limitation is imposed thereon.
  • This embodiment is exemplified by the clearing reconciliation method being configured as a clearing reconciliation device.
  • the clearing and reconciliation device may be set in the server, or may be set in the mobile device, which is not limited in this embodiment of the present application.
  • the method includes:
  • S101 Perform a segmentation on a preset factor corresponding to the clearing reconciliation data to obtain a plurality of segmentation points.
  • the preset factor may be, for example, a time factor, or a business scale factor, or may be a transaction flow factor corresponding to the clearing reconciliation data, which is not limited.
  • the pre-set factors corresponding to the clearing reconciliation data can be segmented to obtain a plurality of segmentation points, which are achieved at each segmentation point.
  • the clearing and reconciliation data to be settled by the cut points is liquidated and reconciled. Because it is the clearing and reconciliation of the data to be liquidated and accumulated at the current cut points at the cut points, the accumulated waiting at the cut points Clearing the reconciliation data can be regarded as part of the sub-data of all the data to be cleared and reconciled.
  • the data volume is relatively small. Therefore, it can reduce the pressure on the business system, improve the efficiency of clearing reconciliation and the utilization of system resources, and compare the real-time performance. high.
  • S101 may include:
  • S201 The time corresponding to the clearing of the reconciliation data is divided according to a time factor to obtain a plurality of time slices, and each time slice includes: a start time and a deadline.
  • the time length of each time slice may be the same or different.
  • time corresponding to the total clearing reconciliation data may include one or more time slices, and the total time corresponding to the clearing reconciliation data may be, for example, one day.
  • the time of day can be divided, for example, divided into one hour, two hours, three hours, one hour, ..., until the sum of the time slices obtained by the division is equal to the time of day,
  • a time slice sequence can be formed, and when the liquidation reconciliation data is to be liquidated and reconciled, as time advances, the liquidation reconciliation is performed based on each time slice in turn, since the time slice is pre-segmented. Therefore, the implementation is simple and saves system resource consumption.
  • the cut-off time of each time slice may be further used as a segmentation point to obtain a plurality of segmentation points, which may be implemented as the transaction time advances, and the current time is reached.
  • a point is cut, the clearing and reconciliation of the data to be cleared before the transaction corresponding to the current time is triggered, which can effectively improve the real-time performance of the method.
  • S203 Detecting the current time, and when the current time reaches the deadline of one time slice, clearing and reconciling the data to be cleared and accumulated before the transaction corresponding to the current time.
  • the system time of the trading system can be read directly to detect the current time.
  • a sequence of segmentation points may be formed, and when the clearing reconciliation data is to be liquidated and reconciled, as time progresses, it is sequentially detected whether the current time reaches a time point to trigger a clearing reconciliation. Since the segmentation point is predetermined, the implementation is simple and the system resource consumption is saved.
  • a time threshold may also be set.
  • the time threshold is, for example, 20 minutes.
  • the trigger is current.
  • the liquidation reconciliation data accumulated before the transaction corresponding to the time is liquidated and reconciled.
  • the current time when the current time reaches the cut-off time of one time slice, the current time is continuously detected after the liquidation reconciliation data accumulated before the transaction corresponding to the current time is cleared and reconciled. And when the deadline of the next time slice is reached between the current and updated, the liquidation of the data to be liquidated and accumulated after the transaction corresponding to the current time of the update and the current time before the update is continuously performed. Reconciliation, in order to achieve clearing and reconciliation of the data to be cleared and accumulated at the current segmentation point at each segmentation point, the completeness and technical feasibility of the guarantee method.
  • the billing data to be liquidated is gradually generated as the transaction progresses, for example, it gradually occurs as time advances, or, as the transaction scale gradually occurs, it may also be liquidated.
  • Dynamically segmentation of the reconciliation data generation process for example, real-time calculation of transaction flow, when the flow exceeds the preset scale threshold, or exceeds the set time point, automatically switches to use the next slice, effectively improving the flexibility of the method And applicability. For example, when the transaction size exceeds 1 million, the next slice is entered, and each slice spans no more than one hour, and each slice cannot cross the entire point.
  • S101 may include:
  • the reconciliation reconciliation data is gradually generated as the transaction advances, for example, gradually as time advances, or as the transaction size gradually occurs, the business scale of the liquidation reconciliation data is treated. The corresponding number of pens is counted to obtain the current pen value.
  • S302 Determine in real time whether the pen value of the pending transaction reconciliation data of the current transaction reaches a preset pen number threshold, and if yes, trigger S303; otherwise, execute S301 repeatedly.
  • the preset pen number threshold is preset, and the preset pen count threshold may be preset by the factory program of the network clearing platform, or may be set by the user according to actual business requirements, which is not limited.
  • the preset pen count threshold can be, for example, 1 million pens.
  • S303 Perform clearing and reconciliation of the data to be liquidated and accumulated before the current transaction.
  • S304 Count the number of the bills to be liquidated after the next transaction based on the next transaction of the current transaction, and obtain a new pen value.
  • the process can be continuously treated.
  • the number of pens corresponding to the business scale of the clearing reconciliation data is counted, and when the new pen value reaches the preset pen count threshold, the reconciliation reconciliation accumulated after the current transaction and after the next transaction as the benchmark is continued.
  • the data is cleared and reconciled, and the method is complete and technically feasible.
  • S102 Perform clearing reconciliation on the settlement data to be cleared accumulated at the current segmentation point at each segmentation point.
  • the method may further include:
  • S401 Acquire a result obtained by clearing and reconciling the accumulated clearing reconciliation data at each segmentation point.
  • the result obtained by the clearing reconciliation may be extracted and analyzed, and the label is summarized according to the label, for example, the transaction batch number, the transaction bank identifier, or the transaction type, and no limitation is imposed thereon.
  • the liquidation reconciliation data is liquidated and reconciled, and all the data to be liquidated and reconciled is cleared and reconciled after comparing the waiting transaction days in the related technology.
  • the efficiency of clearing reconciliation is effectively improved.
  • the preset factors corresponding to the clearing reconciliation data are segmented to obtain a plurality of segmentation points, and at each segmentation point, the clearing and reconciling data accumulated by the current segmentation point is cleared. Accounts can reduce the pressure on business systems, improve the efficiency of clearing reconciliation and system resource utilization, and have higher real-time performance.
  • FIG. 5 is a schematic structural diagram of a clearing and reconciliation apparatus according to an embodiment of the present application.
  • the apparatus 500 includes: a segmentation module 501 and a clearing reconciliation module 502, where
  • the segmentation module 501 is configured to segment the preset factors corresponding to the clearing reconciliation data to obtain a plurality of segmentation points.
  • the clearing reconciliation module 502 is configured to perform clearing reconciliation on the settlement data to be cleared accumulated by the current segmentation point at each segmentation point.
  • the apparatus 500 further includes:
  • the obtaining module 503 is configured to obtain a result obtained by clearing the accumulated settlement data to be cleared at each segmentation point.
  • the summary module 504 is configured to perform a consolidation and reconciliation of the results to perform clearing and reconciliation of the clearing reconciliation data.
  • the preset factor is a time factor
  • the segmentation module 501 is specifically configured to:
  • the time corresponding to the clearing of the reconciliation data is divided according to the time factor to obtain a plurality of time slices, each of which includes: a start time and a deadline;
  • the current time is detected, and when the current time reaches the deadline of one time slice, the clearing and reconciling data accumulated before the transaction corresponding to the current time is liquidated and reconciled.
  • the segmentation module 501 is further specifically configured to:
  • the current time is continuously detected to update the current time.
  • the preset factor is a service size factor of the clearing reconciliation data, and the segmentation module 501 is further used for:
  • the segmentation module 501 is further used to:
  • the pen value is updated based on the new pen value.
  • the preset factors corresponding to the clearing reconciliation data are segmented to obtain a plurality of segmentation points, and at each segmentation point, the clearing and reconciling data accumulated by the current segmentation point is cleared. Accounts can reduce the pressure on business systems, improve the efficiency of clearing reconciliation and system resource utilization, and have higher real-time performance.
  • FIG. 7 is a schematic structural diagram of a computer device according to an embodiment of the present application.
  • the computer device can be a mobile phone, a tablet, or the like.
  • the computer device 70 of the present embodiment includes a housing 701, a processor 702, a memory 703, a circuit board 704, and a power supply circuit 705.
  • the circuit board 704 is disposed inside the space enclosed by the housing 701, and the processor 702.
  • the memory 703 is disposed on the circuit board 704;
  • the power supply circuit 705 is configured to supply power to the various circuits or devices of the computer device 70;
  • the memory 703 is configured to store executable program code; wherein the processor 702 reads the executable program stored in the memory 703 by reading Program code to run a program corresponding to the executable program code for execution:
  • the computer device in this embodiment divides the preset factor corresponding to the clearing reconciliation data to obtain a plurality of segmentation points, and the settlement data to be cleared accumulated at the current segmentation point at each segmentation point Clearing and reconciling can reduce the pressure on the business system, improve the efficiency of clearing reconciliation and the utilization of system resources, and have higher real-time performance.
  • the present application also proposes a non-transitory computer readable storage medium, which enables a terminal to perform a clearing reconciliation method when instructions in the storage medium are executed by a processor of the terminal, the method comprising: treating The preset factors corresponding to the clearing reconciliation data are segmented to obtain a plurality of segmentation points; at each segmentation point, the clearing reconciliation data accumulated by the current segmentation points is liquidated and reconciled.
  • the non-transitory computer readable storage medium in this embodiment divides the preset factor corresponding to the clearing of the reconciliation data to obtain a plurality of segmentation points, and accumulates the current segmentation points at each segmentation point. Clearing and reconciling the reconciled reconciliation data can reduce the pressure on the business system, improve the efficiency of clearing reconciliation and the utilization of system resources, and have higher real-time performance.
  • the present application further provides a computer program product, when a command in a computer program product is executed by a processor, performing a clearing reconciliation method, the method comprising: a preset factor corresponding to the clearing reconciliation data The segmentation is performed to obtain a plurality of segmentation points; at each segmentation point, the settlement data to be cleared accumulated by the current segmentation point is liquidated and reconciled.
  • the computer program product in this embodiment divides the preset factor corresponding to the clearing reconciliation data to obtain a plurality of segmentation points, and at each segmentation point, the account to be liquidated and accumulated for the current segmentation point
  • the data is cleared and reconciled, which can reduce the pressure on the business system, improve the efficiency of clearing reconciliation and the utilization of system resources, and have high real-time performance.
  • portions of the application can be implemented in hardware, software, firmware, or a combination thereof.
  • multiple steps or methods may be implemented in software or firmware stored in a memory and executed by a suitable instruction execution system.
  • a suitable instruction execution system For example, if implemented in hardware, as in another embodiment, it can be implemented by any one or combination of the following techniques well known in the art: having logic gates for implementing logic functions on data signals. Discrete logic circuits, application specific integrated circuits with suitable combinational logic gates, programmable gate arrays (PGAs), field programmable gate arrays (FPGAs), etc.
  • each functional unit in each embodiment of the present application may be integrated into one processing module, or each unit may exist physically separately, or two or more units may be integrated into one module.
  • the above integrated modules can be implemented in the form of hardware or in the form of software functional modules.
  • the integrated modules, if implemented in the form of software functional modules and sold or used as stand-alone products, may also be stored in a computer readable storage medium.
  • the above mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.

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Abstract

本申请提出一种清算对账方法、装置及计算机设备，该方法包括对待清算对账数据对应的预设因子进行切分，得到多个切分点；在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。通过本申请能够实现减轻业务系统压力，提升清算对账效率以及系统资源利用率，实时性较高。

Description

清算对账方法、装置及计算机设备
相关申请的交叉引用
本申请要求网联清算有限公司于2018年05月14日提交的、发明名称为“清算对账方法、装置及计算机设备”的、中国专利申请号“201810454908.8”的优先权。
技术领域
本申请涉及清算技术领域，尤其涉及一种清算对账方法、装置及计算机设备。
背景技术
相关技术中，是等待交易日终后进行对所有的待清算对账数据进行清分和对账处理，清算对账效率较低，且业务系统压力会集中在特定时间点，系统资源利用率不高，实时性较低。
发明内容
本申请旨在至少在一定程度上解决相关技术中的技术问题之一。
为此，本申请的一个目的在于提出一种清算对账方法，能够实现减轻业务系统压力，提升清算对账效率以及系统资源利用率，实时性较高。
本申请的另一个目的在于提出一种清算对账装置。
本申请的另一个目的在于提出一种非临时性计算机可读存储介质。
本申请的另一个目的在于提出一种计算机程序产品。
本申请的另一个目的在于提出一种计算机设备。
为达到上述目的，本申请第一方面实施例提出的清算对账方法，包括：对待清算对账数据对应的预设因子进行切分，得到多个切分点；在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
本申请第一方面实施例提出的清算对账方法，通过对待清算对账数据对应的预设因子进行切分，得到多个切分点，在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账，能够实现减轻业务系统压力，提升清算对账效率以及系统资源利用率，实时性较高。
为达到上述目的，本申请第二方面实施例提出的清算对账装置，包括：切分模块，用于对待清算对账数据对应的预设因子进行切分，得到多个切分点；清算对账模块，用于在 每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
本申请第二方面实施例提出的清算对账装置，通过对待清算对账数据对应的预设因子进行切分，得到多个切分点，在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账，能够实现减轻业务系统压力，提升清算对账效率以及系统资源利用率，实时性较高。
为达到上述目的，本申请第三方面实施例提出的非临时性计算机可读存储介质，当所述存储介质中的指令由移动终端的处理器被执行时，使得移动终端能够执行一种清算对账方法，所述方法包括：对待清算对账数据对应的预设因子进行切分，得到多个切分点；在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
本申请第三方面实施例提出的非临时性计算机可读存储介质，通过对待清算对账数据对应的预设因子进行切分，得到多个切分点，在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账，能够实现减轻业务系统压力，提升清算对账效率以及系统资源利用率，实时性较高。
为达到上述目的，本申请第四方面实施例提出的计算机程序产品，当所述计算机程序产品中的指令由处理器执行时，执行一种清算对账方法，所述方法包括：对待清算对账数据对应的预设因子进行切分，得到多个切分点；在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
本申请第四方面实施例提出的计算机程序产品，通过对待清算对账数据对应的预设因子进行切分，得到多个切分点，在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账，能够实现减轻业务系统压力，提升清算对账效率以及系统资源利用率，实时性较高。
本申请第五方面还提出一种计算机设备，该计算机设备包括壳体、处理器、存储器、电路板和电源电路，其中，所述电路板安置在所述壳体围成的空间内部，所述处理器和所述存储器设置在所述电路板上；所述电源电路，用于为所述计算机设备的各个电路或器件供电；所述存储器用于存储可执行程序代码；所述处理器通过读取所述存储器中存储的可执行程序代码来运行与所述可执行程序代码对应的程序，以用于执行：对待清算对账数据对应的预设因子进行切分，得到多个切分点；在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
本申请第五方面实施例提出的计算机设备，通过对待清算对账数据对应的预设因子进行切分，得到多个切分点，在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账，能够实现减轻业务系统压力，提升清算对账效率以及系统资源利用率，实时性较高。
本申请附加的方面和优点将在下面的描述中部分给出，部分将从下面的描述中变得明显，或通过本申请的实践了解到。
附图说明
本申请上述的和/或附加的方面和优点从下面结合附图对实施例的描述中将变得明显和容易理解，其中：
图1是本申请一实施例提出的清算对账方法的流程示意图；
图2是本申请另一实施例提出的清算对账方法的流程示意图；
图3是本申请另一实施例提出的清算对账方法的流程示意图；
图4是本申请另一实施例提出的清算对账方法的流程示意图；
图5是本申请一实施例提出的清算对账装置的结构示意图；
图6是本申请另一实施例提出的清算对账装置的结构示意图；
图7是本申请一个实施例提出的计算机设备的结构示意图。
具体实施方式
下面详细描述本申请的实施例，所述实施例的示例在附图中示出，其中自始至终相同或类似的标号表示相同或类似的元件或具有相同或类似功能的元件。下面通过参考附图描述的实施例是示例性的，仅用于解释本申请，而不能理解为对本申请的限制。相反，本申请的实施例包括落入所附加权利要求书的精神和内涵范围内的所有变化、修改和等同物。
图1是本申请一实施例提出的清算对账方法的流程示意图。
本申请实施例中的清算对账方法可以具体应用在网联清算平台中，对此不作限制。本实施例以该清算对账方法被配置为清算对账装置中来举例说明。
该清算对账装置可以设置在服务器中，或者也可以设置在移动设备中，本申请实施例对此不作限制。
参见图1，该方法包括：
S101：对待清算对账数据对应的预设因子进行切分，得到多个切分点。
其中的预设因子可以例如为时间因子，或者业务规模因子，或者，也可以为待清算对账数据对应的交易流量因子，对此不作限制。
相关技术中，是等待交易日终后进行对所有的待清算对账数据进行清分和对账处理，清算对账效率较低，且业务系统压力会集中在特定时间点，系统资源利用率不高，实时性较低。
而本申请实施例中，由于对待清算对账数据对应的预设因子进行切分，得到多个切分 点，即，由于待清算对账数据是随着交易的推进逐渐产生的，例如，随着时间的推进逐渐产生，或者，随着交易规模逐渐产生，因此，可以对待清算对账数据对应的预设因子进行切分，得到多个切分点，实现在每个切分点即对当前切分点所积累的待清算对账数据进行清算对账，由于是在切分点对当前切分点所积累的待清算对账数据进行清算对账，在切分点上的所积累的待清算对账数据，可以看作为所有的待清算对账数据的一部分子数据，其数据量相对较小，因此，可以实现减轻业务系统压力，提升清算对账效率以及系统资源利用率，实时性较高。
一些实施例中，参见图2，在预设因子为时间因子时，S101可以包括：
S201：对待清算对账数据所对应的时间，按照时间因子进行切分，得到多个时间片，每个时间片包括：开始时间和截止时间。
其中，每个时间片的时间长短可以相同或者不相同。
可以理解的是，总的待清算对账数据所对应的时间中，可以包括一个或者多个的时间片，总的待清算对账数据所对应的时间可以例如为一天。
在具体实现的过程中，可以对该一天时间进行切分，例如，切分为一小时、两小时、三小时、一小时，…，直至切分得出的时间片的和等于该一天时间，在切分完毕之后，可以形成时间片序列，后续在对待清算对账数据进行清算对账时，随着时间的推进，依次基于每个时间片进行清算对账，由于时间片是预先切分好的，因而，实现简便，节省系统资源消耗。
S202：将每个时间片的截止时间作为切分点，得到多个切分点。
在本申请的实施例中，为了进一步便于方法的执行，可以进一步将每个时间片的截止时间作为切分点，得到多个切分点，可以实现后续随着交易时间的推进，当前时间达到一个切分点时，即触发对当前时间所对应的交易之前所积累的待清算对账数据进行清算对账，能够有效提升方法的实时性。
S203：对当前时间进行检测，在当前时间达到一个时间片的截止时间时，对当前时间所对应的交易之前所积累的待清算对账数据进行清算对账。
例如，可以直接读取交易系统的系统时间，以对当前时间进行检测。
在本申请的实施例中，可以形成切分点序列，后续在对待清算对账数据进行清算对账时，随着时间的推进，依次检测当前时间是否达到一个时间点以触发进行清算对账，由于切分点是预先确定好的，因而，实现简便，节省系统资源消耗。
进一步地，在本申请的实施例中，也可以设定一个时间阈值，时间阈值例如为20分钟，在当前时间达到一个时间片的截止时间，并且超过该截止时间达到20分钟时，触发对当前时间所对应的交易之前所积累的待清算对账数据进行清算对账。
S204：持续对当前时间进行检测，以对当前时间进行更新。
在本申请的实施例中，在一次当前时间达到一个时间片的截止时间时，对当前时间所对应的交易之前所积累的待清算对账数据进行清算对账之后，可以持续对当前时间进行检测，并在更新后的当前之间达到下一个时间片的截止时间时，持续对更新后的当前时间所对应的交易之前，以及更新之前的当前之间之后所积累的待清算对账数据进行清算对账，以实现在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账，保障方法的完备性和技术可行性。
在本申请的实施例中，由于待清算对账数据是随着交易的推进逐渐产生的，例如，随着时间的推进逐渐产生，或者，随着交易规模逐渐产生，因此，也可以在待清算对账数据产生的过程中进行动态的切分，例如，实时计算交易流量，当流量超过预设的规模阈值，或者超过设定的时间点，自动切换使用下一个切片，有效提升方法的灵活性及适用性。例如，当交易规模超过100万笔时，即进入下一个切片，每一个切片所跨的时间段不能超过一小时，每一个切片不能跨整点。
一些实施例中，参见图3，在预设因子为待清算对账数据的业务规模因子时，S101可以包括：
S301：对待清算对账数据的业务规模对应的笔数进行计数，得到笔数值。
可以理解的是，由于待清算对账数据是随着交易的推进逐渐产生的，例如，随着时间的推进逐渐产生，或者，随着交易规模逐渐产生，因此，对待清算对账数据的业务规模对应的笔数进行计数，得到当前的笔数值。
S302：实时判断当前交易的待清算对账数据的笔数值是否达到预设笔数阈值，若是，则触发S303，否则，重复执行S301。
其中的预设笔数阈值是预先设定的，预设笔数阈值可以由网联清算平台的出厂程序预先设定，或者，也可以由用户根据实际业务需求进行设定，对此不作限制。
预设笔数阈值可以例如为100万笔。
S303：对当前交易之前所积累的待清算对账数据进行清算对账。
S304：以当前交易的下一笔交易为基准，对下一笔交易之后的待清算对账数据的笔数进行计数，得到新的笔数值。
S305：根据新的笔数值对笔数值进行更新。
在本申请的实施例中，在一次当前交易的待清算对账数据的笔数值达到预设笔数阈值时，对当前交易之前所积累的待清算对账数据进行清算对账之后，可以持续对待清算对账数据的业务规模对应的笔数进行计数，并在新的笔数值达到预设笔数阈值时，持续对当前交易之前，以及作为基准的下一笔交易之后所积累的待清算对账数据进行清算对账，保障 方法的完备性和技术可行性。
S102：在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
参见图4，在S102之后，还可以包括：
S401：获取在每个切分点对所积累的待清算对账数据清算对账得到的结果。
S402：对结果进行合并汇总，以对待清算对账数据进行清算对账。
本申请实施例中，可以对清算对账得到的结果进行抽取和分析，依据其中的标签进行汇总，标签例如为，交易批次号、交易银行标识，或者交易类型，对此不作限制。
通过对结果进行合并汇总，以对待清算对账数据进行清算对账，相比较于相关技术中的等待交易日终后进行对所有的待清算对账数据进行清分和对账处理，在保障数据精准度的情况下，有效提升了清算对账效率。
本实施例中，通过对待清算对账数据对应的预设因子进行切分，得到多个切分点，在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账，能够实现减轻业务系统压力，提升清算对账效率以及系统资源利用率，实时性较高。
图5是本申请一实施例提出的清算对账装置的结构示意图。
参见图5，该装置500包括：切分模块501和清算对账模块502，其中，
切分模块501，用于对待清算对账数据对应的预设因子进行切分，得到多个切分点。
清算对账模块502，用于在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
一些实施例中，参见图6，该装置500还包括：
获取模块503，用于获取在每个切分点对所积累的待清算对账数据清算对账得到的结果。
汇总模块504，用于对结果进行合并汇总，以对待清算对账数据进行清算对账。
一些实施例中，预设因子为时间因子，切分模块501，具体用于：
对待清算对账数据所对应的时间，按照时间因子进行切分，得到多个时间片，每个时间片包括：开始时间和截止时间；
将每个时间片的截止时间作为切分点，得到多个切分点；
对当前时间进行检测，在当前时间达到一个时间片的截止时间时，对当前时间所对应的交易之前所积累的待清算对账数据进行清算对账。
切分模块501，还具体用于：
持续对当前时间进行检测，以对当前时间进行更新。
预设因子为待清算对账数据的业务规模因子，切分模块501，还具体用于：
对待清算对账数据的业务规模对应的笔数进行计数，得到笔数值；
实时判断当前交易的待清算对账数据的笔数值是否达到预设笔数阈值；
若达到，则对当前交易之前所积累的待清算对账数据进行清算对账。
在对当前交易之前所积累的待清算对账数据进行清算对账之后，切分模块501，还具体用于：
以当前交易的下一笔交易为基准，对下一笔交易之后的待清算对账数据的笔数进行计数，得到新的笔数值；
根据新的笔数值对笔数值进行更新。
需要说明的是，前述图1-图4实施例中对清算对账方法实施例的解释说明也适用于该实施例的清算对账装置500，其实现原理类似，此处不再赘述。
本实施例中，通过对待清算对账数据对应的预设因子进行切分，得到多个切分点，在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账，能够实现减轻业务系统压力，提升清算对账效率以及系统资源利用率，实时性较高。
图7是本申请一个实施例提出的计算机设备的结构示意图。
该计算机设备可以是手机、平板电脑等。
参见图7，本实施例的计算机设备70包括：壳体701、处理器702、存储器703、电路板704、电源电路705，电路板704安置在壳体701围成的空间内部，处理器702、存储器703设置在电路板704上；电源电路705，用于为计算机设备70各个电路或器件供电；存储器703用于存储可执行程序代码；其中，处理器702通过读取存储器703中存储的可执行程序代码来运行与可执行程序代码对应的程序，以用于执行：
对待清算对账数据对应的预设因子进行切分，得到多个切分点；
在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
需要说明的是，前述图1-图4实施例中对清算对账方法实施例的解释说明也适用于该实施例的计算机设备70，其实现原理类似，此处不再赘述。
本实施例中的计算机设备，通过对待清算对账数据对应的预设因子进行切分，得到多个切分点，在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账，能够实现减轻业务系统压力，提升清算对账效率以及系统资源利用率，实时性较高。
为了实现上述实施例，本申请还提出一种非临时性计算机可读存储介质，当存储介质中的指令由终端的处理器执行时，使得终端能够执行一种清算对账方法，方法包括：对待清算对账数据对应的预设因子进行切分，得到多个切分点；在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
本实施例中的非临时性计算机可读存储介质，通过对待清算对账数据对应的预设因子进行切分，得到多个切分点，在每个切分点，对当前切分点所积累的待清算对账数据进行 清算对账，能够实现减轻业务系统压力，提升清算对账效率以及系统资源利用率，实时性较高。
为了实现上述实施例，本申请还提出一种计算机程序产品，当计算机程序产品中的指令被处理器执行时，执行一种清算对账方法，方法包括：对待清算对账数据对应的预设因子进行切分，得到多个切分点；在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
本实施例中的计算机程序产品，通过对待清算对账数据对应的预设因子进行切分，得到多个切分点，在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账，能够实现减轻业务系统压力，提升清算对账效率以及系统资源利用率，实时性较高。
需要说明的是，在本申请的描述中，术语“第一”、“第二”等仅用于描述目的，而不能理解为指示或暗示相对重要性。此外，在本申请的描述中，除非另有说明，“多个”的含义是两个或两个以上。
流程图中或在此以其他方式描述的任何过程或方法描述可以被理解为，表示包括一个或更多个用于实现特定逻辑功能或过程的步骤的可执行指令的代码的模块、片段或部分，并且本申请的优选实施方式的范围包括另外的实现，其中可以不按所示出或讨论的顺序，包括根据所涉及的功能按基本同时的方式或按相反的顺序，来执行功能，这应被本申请的实施例所属技术领域的技术人员所理解。
应当理解，本申请的各部分可以用硬件、软件、固件或它们的组合来实现。在上述实施方式中，多个步骤或方法可以用存储在存储器中且由合适的指令执行系统执行的软件或固件来实现。例如，如果用硬件来实现，和在另一实施方式中一样，可用本领域公知的下列技术中的任一项或他们的组合来实现：具有用于对数据信号实现逻辑功能的逻辑门电路的离散逻辑电路，具有合适的组合逻辑门电路的专用集成电路，可编程门阵列(PGA)，现场可编程门阵列(FPGA)等。
本技术领域的普通技术人员可以理解实现上述实施例方法携带的全部或部分步骤是可以通过程序来指令相关的硬件完成，所述的程序可以存储于一种计算机可读存储介质中，该程序在执行时，包括方法实施例的步骤之一或其组合。
此外，在本申请各个实施例中的各功能单元可以集成在一个处理模块中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个模块中。上述集成的模块既可以采用硬件的形式实现，也可以采用软件功能模块的形式实现。所述集成的模块如果以软件功能模块的形式实现并作为独立的产品销售或使用时，也可以存储在一个计算机可读取存储介质中。
上述提到的存储介质可以是只读存储器，磁盘或光盘等。
在本说明书的描述中，参考术语“一个实施例”、“一些实施例”、“示例”、“具体示例”、或“一些示例”等的描述意指结合该实施例或示例描述的具体特征、结构、材料或者特点包含于本申请的至少一个实施例或示例中。在本说明书中，对上述术语的示意性表述不一定指的是相同的实施例或示例。而且，描述的具体特征、结构、材料或者特点可以在任何的一个或多个实施例或示例中以合适的方式结合。
尽管上面已经示出和描述了本申请的实施例，可以理解的是，上述实施例是示例性的，不能理解为对本申请的限制，本领域的普通技术人员在本申请的范围内可以对上述实施例进行变化、修改、替换和变型。

Claims (15)

  1. 一种清算对账方法，其特征在于，包括以下步骤：
    对待清算对账数据对应的预设因子进行切分，得到多个切分点；
    在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
  2. 如权利要求1所述的清算对账方法，其特征在于，还包括：
    获取在所述每个切分点对所述所积累的待清算对账数据清算对账得到的结果；
    对所述结果进行合并汇总，以对所述待清算对账数据进行清算对账。
  3. 如权利要求1或2所述的清算对账方法，其特征在于，所述预设因子为时间因子，所述对待清算对账数据对应的预设因子进行切分，得到多个切分点，包括：
    对所述待清算对账数据所对应的时间，按照所述时间因子进行切分，得到多个时间片，每个时间片包括：开始时间和截止时间；
    将所述每个时间片的截止时间作为所述切分点，得到多个切分点；
    对当前时间进行检测，在所述当前时间达到一个时间片的截止时间时，对所述当前时间所对应的交易之前所积累的待清算对账数据进行清算对账。
  4. 如权利要求3所述的清算对账方法，其特征在于，还包括：
    持续对所述当前时间进行检测，以对所述当前时间进行更新。
  5. 如权利要求1-4任一项所述的清算对账方法，其特征在于，所述预设因子为待清算对账数据的业务规模因子，所述对待清算对账数据对应的预设因子进行切分，得到多个切分点，包括：
    对所述待清算对账数据的业务规模对应的笔数进行计数，得到笔数值；
    实时判断当前交易的待清算对账数据的笔数值是否达到预设笔数阈值；
    若达到，则对所述当前交易之前所积累的待清算对账数据进行清算对账。
  6. 如权利要求5所述的清算对账方法，其特征在于，在所述对所述当前交易之前所积累的待清算对账数据进行清算对账之后，还包括：
    以所述当前交易的下一笔交易为基准，对所述下一笔交易之后的待清算对账数据的笔数进行计数，得到新的笔数值；
    根据所述新的笔数值对所述笔数值进行更新。
  7. 一种清算对账方法，其特征在于，包括：
    切分模块，用于对待清算对账数据对应的预设因子进行切分，得到多个切分点；
    清算对账模块，用于在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
  8. 如权利要求7所述的清算对账方法，其特征在于，还包括：
    获取模块，用于获取在所述每个切分点对所述所积累的待清算对账数据清算对账得到的结果；
    汇总模块，用于对所述结果进行合并汇总，以对所述待清算对账数据进行清算对账。
  9. 如权利要求7或8所述的清算对账方法，其特征在于，所述预设因子为时间因子，所述切分模块，具体用于：
    对所述待清算对账数据所对应的时间，按照所述时间因子进行切分，得到多个时间片，每个时间片包括：开始时间和截止时间；
    将所述每个时间片的截止时间作为所述切分点，得到多个切分点；
    对当前时间进行检测，在所述当前时间达到一个时间片的截止时间时，对所述当前时间所对应的交易之前所积累的待清算对账数据进行清算对账。
  10. 如权利要求9所述的清算对账方法，其特征在于，所述切分模块，还具体用于：
    持续对所述当前时间进行检测，以对所述当前时间进行更新。
  11. 如权利要求7-10任一项所述的清算对账方法，其特征在于，所述预设因子为待清算对账数据的业务规模因子，所述切分模块，还具体用于：
    对所述待清算对账数据的业务规模对应的笔数进行计数，得到笔数值；
    实时判断当前交易的待清算对账数据的笔数值是否达到预设笔数阈值；
    若达到，则对所述当前交易之前所积累的待清算对账数据进行清算对账。
  12. 如权利要求11所述的清算对账方法，其特征在于，在所述对所述当前交易之前所积累的待清算对账数据进行清算对账之后，所述切分模块，还具体用于：
    以所述当前交易的下一笔交易为基准，对所述下一笔交易之后的待清算对账数据的笔数进行计数，得到新的笔数值；
    根据所述新的笔数值对所述笔数值进行更新。
  13. 一种非临时性计算机可读存储介质，其上存储有计算机程序，其特征在于，该程序被处理器执行时实现如权利要求1-6中任一项所述的清算对账方法。
  14. 一种计算机程序产品，当所述计算机程序产品中的指令由处理器执行时，执行一种清算对账方法，所述方法包括：
    对待清算对账数据对应的预设因子进行切分，得到多个切分点；
    在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
  15. 一种计算机设备，包括壳体、处理器、存储器、电路板和电源电路，其中，所述电路板安置在所述壳体围成的空间内部，所述处理器和所述存储器设置在所述电路板上；所述电源电路，用于为所述计算机设备的各个电路或器件供电；所述存储器用于存储可执 行程序代码；所述处理器通过读取所述存储器中存储的可执行程序代码来运行与所述可执行程序代码对应的程序，以用于执行：
    对待清算对账数据对应的预设因子进行切分，得到多个切分点；
    在每个切分点，对当前切分点所积累的待清算对账数据进行清算对账。
PCT/CN2019/086692 2018-05-14 2019-05-13 清算对账方法、装置及计算机设备 WO2019218977A1 (zh)

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