WO2020243903A1 - 一种记账方法、会计核算系统、账户系统及支付系统 - Google Patents

一种记账方法、会计核算系统、账户系统及支付系统 Download PDF

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WO2020243903A1
WO2020243903A1 PCT/CN2019/089974 CN2019089974W WO2020243903A1 WO 2020243903 A1 WO2020243903 A1 WO 2020243903A1 CN 2019089974 W CN2019089974 W CN 2019089974W WO 2020243903 A1 WO2020243903 A1 WO 2020243903A1
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accounting
transaction
account
transaction code
code
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PCT/CN2019/089974
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English (en)
French (fr)
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刘贞平
柳彤
朱大卫
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深圳海付移通科技有限公司
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Priority to PCT/CN2019/089974 priority Critical patent/WO2020243903A1/zh
Priority to CN201980010313.6A priority patent/CN111699486B/zh
Priority to PH12020551362A priority patent/PH12020551362A1/en
Publication of WO2020243903A1 publication Critical patent/WO2020243903A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/95—Retrieval from the web
    • G06F16/953—Querying, e.g. by the use of web search engines
    • 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
    • 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; 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
    • 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
    • G06Q40/125—Finance or payroll

Definitions

  • This application relates to the technical field of accounting, and specifically relates to a bookkeeping method, an accounting system, an account system, a payment system, and a storage medium.
  • the main problem solved by this application is to provide a bookkeeping method, accounting system, account system, payment system and storage medium, which can keep bookkeeping in real time, improve processing efficiency, and flexibly deal with the complexity of payment and business variability.
  • the technical solution adopted in this application is to provide an accounting method, which includes: the accounting system receives request accounting information sent by the account system, wherein the requested accounting information includes an accounting request and a transaction category Or transaction amount; the accounting system parses the transaction category from the requested accounting information, and uses the transaction category to obtain the transaction code, where the transaction code is the number of the transaction category; the accounting system queries the transaction from the pre-stored transaction account mapping table The accounting account corresponding to the code, wherein the transaction account mapping table includes at least one transaction code and an accounting account corresponding to the transaction code; the accounting system uses the transaction code and the accounting account to generate an accounting entry table to complete the accounting.
  • an accounting method which includes: the account system receives the accounting request sent by the transaction system; the account system performs accounting, and after the accounting is completed, Send the requested accounting information to the accounting system so that the accounting system parses out the transaction category from the requested accounting information, and uses the transaction category to obtain the transaction code to generate an accounting entry table; where the requested accounting information includes an accounting request , Transaction type or transaction amount, the transaction code is the serial number of the transaction type.
  • the accounting system includes a memory and a processor connected to each other.
  • the memory is used to store a computer program, and the computer program is When executed, it is used to implement the above accounting method.
  • the account system includes a memory and a processor connected to each other.
  • the memory is used to store a computer program that is executed by the processor. , Used to implement the above accounting method.
  • Another technical solution adopted by this application is to provide a payment system that includes an accounting system and an account system that are connected to each other.
  • the accounting system is the above-mentioned accounting system
  • the account system is The above account system.
  • another technical solution adopted in this application is to provide a storage medium for storing a computer program, where the computer program is used to implement the above accounting method when executed by a processor.
  • the beneficial effect of this application is: the accounting problem of the Internet payment system is solved.
  • the accounting system can complete double-entry accounting in real time, improving processing efficiency, and in accounting
  • the process of accounting by the system by setting the accounting account and transaction code, and associating the accounting account with the transaction code, it is convenient to generate the accounting entry table, which can flexibly cope with the system complexity and business variability of Internet payment.
  • FIG. 1 is a schematic flowchart of an embodiment of the accounting method provided by the present application
  • Figure 2 is an interactive schematic diagram of the accounting system, account system and transaction system provided by this application;
  • FIG. 3 is a schematic flowchart of another embodiment of the accounting method provided by the present application.
  • FIG. 4 is a schematic diagram of the accounting subject level in another embodiment of the accounting method provided by this application.
  • FIG. 5 is a schematic flowchart of another embodiment of the accounting method provided by the present application.
  • Figure 6 is a schematic structural diagram of an embodiment of the accounting system provided by the present application.
  • Figure 7 is a schematic structural diagram of an embodiment of the account system provided by the present application.
  • FIG. 8 is a schematic structural diagram of an embodiment of the payment system provided by the present application.
  • FIG. 9 is a schematic structural diagram of an embodiment of a storage medium provided by the present application.
  • FIG. 1 is a schematic flowchart of an embodiment of the accounting method provided by the present application
  • FIG. 2 is a schematic diagram of the interaction of the accounting system, account system, and transaction system provided by the present application.
  • the method includes:
  • Step 11 The accounting system receives the requested accounting information sent by the account system.
  • the account system and accounting system belong to the payment system; the transaction system initiates an accounting request after completing the processing of the order business, and calls the accounting interface of the account system for accounting processing, so that the account system performs unilateral accounting; the account system After completing the unilateral accounting, send the requested accounting information to the accounting system, and call the accounting interface of the accounting system to make the accounting system perform double-entry accounting; the requested accounting information includes accounting request and transaction type Or transaction amount, etc.
  • Step 12 The accounting system parses out the transaction category from the requested accounting information, and uses the transaction category to obtain the transaction code.
  • the accounting system After the accounting system receives the requested accounting information, it parses it, extracts the transaction category from it, and then obtains the transaction code according to the transaction category, which is the number of the transaction category.
  • Step 13 The accounting system searches the pre-stored transaction account mapping table for the accounting account corresponding to the transaction code.
  • the transaction account mapping table includes at least one transaction code and the accounting account corresponding to the transaction code.
  • the transaction account mapping table is stored in the accounting system; the accounting system queries the transaction account mapping table to obtain the corresponding transaction code Accounting account.
  • Step 14 The accounting system uses the transaction code and the accounting title to generate an accounting entry table to complete the accounting.
  • the reconciliation system can go to the banking system to download the bank’s capital statement, and then import the capital statement into the system to check the capital data with the data in the accounting system.
  • this embodiment provides an accounting method, which uses an accounting system to receive the requested accounting information sent by the account system, analyzes it to extract the transaction category, and then obtains the transaction code according to the transaction category, and then Use the correlation between the transaction code and the bookkeeping account to obtain the bookkeeping account corresponding to the transaction code, thereby generating the accounting entry table and completing the bookkeeping; solve the accounting bookkeeping problem of the Internet payment system, and the bookkeeping method is real-time Online bookkeeping, for bookkeeping requests from the account system, double-entry bookkeeping can be completed in the accounting system in real time, which can improve processing efficiency, and in the process of bookkeeping in the accounting system, by setting the bookkeeping account and transaction code , And associate the bookkeeping account with the transaction code to facilitate the generation of accounting entry tables, which can flexibly cope with the system complexity and business variability of Internet payment.
  • FIG. 3 is a schematic flowchart of another embodiment of the accounting method provided by the present application, and the method includes:
  • Step 31 The accounting system receives the requested accounting information sent by the account system.
  • Step 32 The accounting system automatically generates an accounting serial number.
  • the accounting serial number is the serial number corresponding to the accounting entry table. After each request for accounting information sent by an account system is received, the accounting system automatically generates the corresponding accounting serial number.
  • Step 33 The accounting system matches the parsed transaction category with the pre-established transaction mapping table to obtain the transaction code corresponding to the transaction category.
  • the transaction mapping table includes at least one transaction category and its corresponding transaction code.
  • the transaction code consists of multiple digits.
  • the transaction category can be as shown in the following table:
  • Transaction code first Transaction Type Description 000 Keep To 100 Recharge business related Including top-up, top-up refund 200 Withdrawal business related To 300 Payment business related Including payment, payment refund 400 User transfer and collection business related To 500 Internal account carry-over related To 600 Business reservation To 700 Open account business related To 800 Write-off business related To 900 Reserved To
  • the transaction types include recharge business, cash withdrawal business, payment business, transfer business or collection business, each business includes primary business and secondary business, secondary business is a detailed business of primary business, Each secondary business corresponds to a transaction code; the transaction mapping table between transaction code and transaction category is shown in the following table:
  • a transaction code is configured for different transaction businesses. After the transaction system completes the transaction, the accounting system uses the transaction category to query the transaction code from the transaction mapping table when the account system initiates a billing request. Transaction code for accounting.
  • Step 34 The accounting system matches the transaction code with the transaction account mapping table, and inquires about the accounting account and lending direction corresponding to the transaction code.
  • the bookkeeping account includes account code and account level information.
  • the account level information includes account attributes and account title levels.
  • the account attributes include asset, liability or common categories.
  • the account category includes first level, second or third level subjects. .
  • the accounting subject level is a tree-like level.
  • a number of second-level subjects can be set under the first-level subjects, and several third-level subjects can be set under the second-level subjects, as shown in Figure 4.
  • They are defined as leaf accounts.
  • the leaf accounts are the last-level accounts of the accounting accounts. All bookkeeping takes place under the leaf accounts. Accounting is not allowed under non-leaf accounts; no new subordinates are allowed under the leaf accounts. If you want to add a new account, set the leaf account as a non-leaf account.
  • the subject code starts with 3 digits
  • the asset class starts with 1
  • the liability class starts with 2
  • the common class starts with 4.
  • the subject code of the lower-level subjects needs to inherit 3 from the upper-level subjects.
  • Bit code, the account code table formed is as follows:
  • B2B Business To Business
  • B2C Business To Customer
  • a transaction will generate at least one account flow record (subsidiary account) in the account system, and at the same time will generate one or more accounting entries flow in the accounting system according to business needs.
  • the transaction account mapping table includes at least one transaction code and the accounting account and the direction of borrowing and lending corresponding to the transaction code.
  • the direction of borrowing and lending is debit or credit; each transaction code corresponds to at least two accounting entry streams in the accounting entry table, each Each debit and credit correspond to an accounting entry flow.
  • Step 35 The accounting system determines the entry template corresponding to the transaction code according to the transaction code.
  • the entry template is pre-stored in the accounting system.
  • the transaction code corresponds to the entry template. After the accounting system obtains the transaction code, the transaction code is obtained according to the correlation between the transaction code and the entry template. The corresponding entry template.
  • Step 36 The accounting system writes the transaction type, transaction code, accounting title, transaction amount, or debit and credit direction into the entry template to generate an accounting entry table.
  • Transaction type, transaction code, and entry template are related to each other.
  • the accounting system configures the entry template of the transaction category in advance, and directly determines the entry template according to the transaction category after the transaction occurs and writes it into the accounting entry table .
  • the accounting entry table is as follows:
  • the customer recharges the balance through the quick payment provided by ICBC on the payment system, such as recharge 100 yuan, personal customers recharge 100 yuan to the payment system, payment system liabilities increase by 100 yuan, and the reserve bank will not immediately pay the payment institution
  • the bank account is entered into the account, so you can only put the funds into the account to be cleared. The completion of the recharge will result in the following accounting records:
  • the reconciliation system reconciles the order on a certain day. If the reconciliation is equal, the accounting entry table is as follows:
  • the reconciliation system obtains the fund statement from the bank and checks it with the payment system. If the recharge order is equalized, the payment system will transfer the funds under the account to be cleared to the reserve account to form the following accounting bookkeeping:
  • Step 37 The accounting system updates the data of each accounting sub-account, and merges the data of all the accounting sub-accounts within a preset time period to obtain the general ledger.
  • the data of the accounting sub-account is the data in the accounting entry table, and the accounting system can carry out day-end consolidation to summarize the accounts.
  • this embodiment provides a bookkeeping method.
  • the transaction code and bookkeeping account are preset, and the transaction code and the bookkeeping account are associated.
  • the transaction category can be queried.
  • Corresponding transaction code and then query the entry template and bookkeeping account according to the transaction code, thereby establishing an accounting entry table; compared with the existing summary bookkeeping method, the online bookkeeping processing method is adopted to make each transaction
  • the accounting can be completed in the accounting system in real time, which is timely and improves the processing efficiency; the accounting is completed by setting the account, transaction code and accounting entry, which can flexibly respond to complex and changeable multi-payment services .
  • Figure 5 is a schematic flowchart of another embodiment of the accounting method provided by the present application, and the method includes:
  • Step 51 The account system receives the accounting request sent by the transaction system.
  • the transaction system After the transaction system has processed the transaction business, it sends an accounting request to the account system to request the account system to perform accounting.
  • Step 52 The account system performs bookkeeping, and after the bookkeeping is completed, it sends the accounting request information to the accounting system so that the accounting system can parse out the transaction type from the requested accounting information, and use the transaction type to obtain the transaction code. Generate accounting entry table.
  • the account system judges whether the bookkeeping is repeated. If the bookkeeping is repeated, the bookkeeping operation will not be performed; if the bookkeeping is not repeated, the handling fee will be obtained, and then the account balance and account flow will be updated to complete the single-entry bookkeeping and obtain the accounting Bookkeeping mode:
  • the account system requests the accounting system to perform accounting and sends the requested accounting information to the accounting system.
  • the requested accounting information includes the accounting request, transaction type or transaction amount, and the transaction code is the serial number of the transaction category.
  • this embodiment provides a bookkeeping method that uses a real-time bookkeeping mode. After each transaction is processed by the transaction system, it can be booked in the account system and the accounting system in real time. Able to handle the bookkeeping business in time.
  • FIG 6 is a schematic structural diagram of an embodiment of the accounting system provided by the present application.
  • the accounting system 60 includes a memory 61 and a processor 62 that are connected to each other.
  • the memory 61 is used to store computer programs.
  • the processor 62 is used to implement the accounting method in the foregoing embodiment.
  • the accounting system 60 is set up for the needs of internal accounting management. Bank fund clearing and transfer need the support of the accounting system 60. The capital accounting management of internal and external accounts also requires the accounting system 60. The accounting system 60 can Perform real-time double-entry accounting to improve processing efficiency.
  • the account system 70 includes a memory 71 and a processor 72 that are connected to each other, wherein the memory 71 is used to store a computer program, and the computer program When 72 is executed, it is used to implement the accounting method in the foregoing embodiment.
  • the account system 70 After the transaction system initiates the accounting request, the account system 70 performs single-entry bookkeeping, provides balance and accounting details inquiries, and sends the accounting request to the accounting system so that the accounting system can perform real-time double-entry accounting.
  • Figure 8 is a schematic structural diagram of an embodiment of the payment system provided by the present application; the payment system 80 includes an account system 81 and an accounting system 82 that are connected to each other, where the account system 81 is the account system in the above embodiment, The accounting system 82 is the accounting system in the above embodiment.
  • the account system 81 When the transaction processing is completed, the account system 81 first completes the unilateral accounting, and then the accounting system 82 completes the double-entry accounting, the account system 81 and the accounting system 82 rely on each other to complete the bookkeeping business.
  • FIG. 9 is a schematic structural diagram of an embodiment of a storage medium provided by the present application.
  • the storage medium 90 is used to store a computer program 91.
  • the computer program 91 is executed by a processor, it is used to implement the above-mentioned embodiment. Accounting method.
  • the storage medium 90 can be a server, a U disk, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a magnetic disk or an optical disk, etc.
  • the medium of the program code can be a server, a U disk, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a magnetic disk or an optical disk, etc.
  • the medium of the program code can be a server, a U disk, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a magnetic disk or an optical disk, etc.
  • the medium of the program code can be a server, a U disk, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a magnetic disk or an optical disk, etc.
  • the disclosed method and device may be implemented in other ways.
  • the device implementation described above is only illustrative, for example, the division of modules or units is only a logical function division, and there may be other divisions in actual implementation, for example, multiple units or components can be combined or It can be integrated into another system, or some features can be ignored or not implemented.
  • the units described as separate components may or may not be physically separate, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the objectives of the solutions of this embodiment.
  • the functional units in the various embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units may be integrated into one unit.
  • the above-mentioned integrated unit can be implemented in the form of hardware or software functional unit.

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Abstract

本申请公开了一种记账方法、会计核算系统、账户系统、支付系统及存储介质，该方法包括会计核算系统接收账户系统发送的请求记账信息，其中，请求记账信息包括记账请求、交易类别或交易金额；会计核算系统从请求记账信息中解析出交易类别，并利用交易类别得到交易代码，其中，交易代码为交易类别的编号；会计核算系统从预先存储的交易科目映射表中查询交易代码对应的记账科目，其中，交易科目映射表包括至少一个交易代码以及与交易代码对应的记账科目；会计核算系统利用交易代码与记账科目生成会计分录表，以完成记账。通过上述方式，本申请能够实时记账，提高处理效率，灵活应对支付的复杂性和业务多变性。

Description

一种记账方法、会计核算系统、账户系统及支付系统 【技术领域】
本申请涉及会计核算技术领域，具体涉及一种记账方法、会计核算系统、账户系统、支付系统及存储介质。
【背景技术】
当前互联网支付发展越来越快，并广泛应用于电商、百货、航旅或教育等行业。由于支付涉及到资金的支入与支出，同时为了达到企业内部业务核算清晰准确的目的，参考银行金融系统的资金核算、会计核算的要求和体系，建立按科目管理的会计核算体系，进而完成相应的账务处理与会计处理，保证客户资金可按类目管理，明确自身各项业务的运行成本与利润计量，需要有一套会计核算系统来支撑。
本申请的发明人在长期研发中发现，在传统的互联网支付系统中，一般是在交易处理完成之后，由财务会计岗位的员工统计当天的交易，然后录入财务系统中，或者与外部财务系统进行对接，但由于互联网支付系统的系统复杂性以及业务多变性，导致这种手工记账或者通过外部财务系统来记账的方法并不能完全满足互联网支付的快速发展。
【发明内容】
本申请主要解决的问题是提供一种记账方法、会计核算系统、账户系统、支付系统及存储介质，能够实时记账，提高处理效率，灵活应对支付的复杂性和业务多变性。
为解决上述技术问题，本申请采用的技术方案是提供一种记账方法，该方法包括：会计核算系统接收账户系统发送的请求记账信息，其中，请求记账信息包括记账请求、交易类别或交易金额；会计核算系统从请求记账信息中解析出交易类别，并利用交易类别得到交易代码，其中，交易代码为交易类别的编号；会计核算系统从预先存储的交易科目映射表中查询交易代码对应的记账科目，其中，交易科目映射表包括至少一个交易代码以及与交易代码对应的记账科目；会计核算系统利用交 易代码与记账科目生成会计分录表，以完成记账。
为解决上述技术问题，本申请采用的另一技术方案是提供一种记账方法，该方法包括：账户系统接收交易系统发送的账务请求；账户系统进行记账，并在记账完成后，向会计核算系统发送请求记账信息，以使得会计核算系统从请求记账信息中解析出交易类别，利用交易类别得到交易代码，从而生成会计分录表；其中，请求记账信息包括记账请求、交易类别或交易金额，交易代码为交易类别的编号。
为解决上述技术问题，本申请采用的另一技术方案是提供一种会计核算系统，该会计核算系统包括互相连接的存储器和处理器，其中，存储器用于存储计算机程序，计算机程序在被处理器执行时，用于实现上述的记账方法。
为解决上述技术问题，本申请采用的另一技术方案是提供一种账户系统，该账户系统包括互相连接的存储器和处理器，其中，存储器用于存储计算机程序，计算机程序在被处理器执行时，用于实现上述的记账方法。
为解决上述技术问题，本申请采用的另一技术方案是提供一种支付系统，该支付系统包括互相连接的会计核算系统和账户系统，其中，会计核算系统为上述的会计核算系统，账户系统为上述的账户系统。
为解决上述技术问题，本申请采用的另一技术方案是提供一种存储介质，该存储介质用于存储计算机程序，其中，计算机程序在被处理器执行时，用于实现上述的记账方法。
通过上述方案，本申请的有益效果是：解决了互联网支付系统的会计记账问题，对于账户系统发来的记账请求，会计核算系统能够实时完成复式记账，提高处理效率，且在会计核算系统进行记账的过程中，通过设置记账科目和交易代码，并将记账科目和交易代码关联起来，方便生成会计分录表，能够灵活应对互联网支付的系统复杂性和业务多变性。
【附图说明】
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。其中：
图1是本申请提供的记账方法一实施例的流程示意图；
图2是本申请提供的会计核算系统、账户系统以及交易系统的交互示意图；
图3是本申请提供的记账方法另一实施例的流程示意图；
图4是本申请提供的记账方法另一实施例中会计科目层级的示意图；
图5是本申请提供的记账方法又一实施例的流程示意图；
图6是本申请提供的会计核算系统一实施例的结构示意图；
图7是本申请提供的账户系统一实施例的结构示意图；
图8是本申请提供的支付系统一实施例的结构示意图；
图9是本申请提供的存储介质一实施例的结构示意图。
【具体实施方式】
下面将结合本申请实施例中的附图，对本申请实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本申请一部分实施例，而不是全部实施例。基于本申请中的实施例，本领域普通技术人员在没有做出创造性的劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
参阅图1和图2，图1是本申请提供的记账方法一实施例的流程示意图，图2是本申请提供的会计核算系统、账户系统以及交易系统的交互示意图，该方法包括：
步骤11：会计核算系统接收账户系统发送的请求记账信息。
账户系统和会计核算系统隶属于支付系统；交易系统在完成订单业务的处理后，发起账务请求，调用账户系统的记账接口进行账务处理，以使得账户系统进行单边记账；账户系统在完成单边记账后，发送请求 记账信息给会计核算系统，并调用会计核算系统的记账接口，以使得会计核算系统进行复式记账；该请求记账信息包括记账请求、交易类别或交易金额等。
步骤12：会计核算系统从请求记账信息中解析出交易类别，并利用交易类别得到交易代码。
会计核算系统在接收到请求记账信息后，对其进行解析，从中提取出交易类别，然后根据交易类别获取到交易代码，该交易代码为交易类别的编号。
步骤13：会计核算系统从预先存储的交易科目映射表中查询交易代码对应的记账科目。
该交易科目映射表包括至少一个交易代码以及与交易代码对应的记账科目，交易科目映射表存储在会计核算系统中；会计核算系统在交易科目映射表中进行查询，得到与交易代码相对应的记账科目。
步骤14：会计核算系统利用交易代码与记账科目生成会计分录表，以完成记账。
对账系统可以去银行系统下载银行的资金账单，然后将资金账单导入系统中与会计核算系统的数据进行资金数据的核对。
区别于现有技术，本实施例提供了一种记账方法，利用会计核算系统接收账户系统发送的请求记账信息，通过对其解析提取出交易类别，然后根据交易类别获取到交易代码，再利用交易代码与记账科目之间的关联性，得到与交易代码对应的记账科目，从而生成会计分录表，完成记账；解决了互联网支付系统的会计记账问题，记账方法为实时联机记账，对于账户系统发来的记账请求，能够实时在会计核算系统完成复式记账，可提高处理效率，且在会计核算系统进行记账的过程中，通过设置记账科目和交易代码，并将记账科目和交易代码关联起来，方便生成会计分录表，能够灵活应对互联网支付的系统复杂性和业务多变性。
参阅图3，图3是本申请提供的记账方法另一实施例的流程示意图，该方法包括：
步骤31：会计核算系统接收账户系统发送的请求记账信息。
步骤32：会计核算系统自动生成会计流水编号。
该会计流水编号为会计分录表对应的编号，在每接收到一个账户系统发送的请求记账信息之后，会计核算系统自动生成对应的会计流水编号。
步骤33：会计核算系统将解析出来的交易类别与预先建立的交易映射表进行匹配，得到交易类别对应的交易代码。
该交易映射表包括至少一个交易类别以及与其对应的交易代码，交易代码由多位数字组成，交易类别可如下表所示：
交易代码首位 交易类别 说明
000 保留  
100 充值业务相关 含充值、充值退回
200 提现业务相关  
300 支付业务相关 含支付、支付退款
400 用户转账、收款业务相关  
500 内部账户结转相关  
600 业务预留  
700 挂账业务相关  
800 销账业务相关  
900 预留  
在一具体的实施例中，交易类别包括充值业务、提现业务、支付业务、转账业务或收款业务，每个业务包括一级业务和二级业务，二级业务为一级业务的明细业务，每个二级业务对应一个交易代码；交易代码和交易类别之间的交易映射表如下表所示：
Figure PCTCN2019089974-appb-000001
Figure PCTCN2019089974-appb-000002
在会计核算系统中，对于不同的交易业务配置一条交易代码，在交易系统完成交易完成后，会计核算系统在账户系统发起记账请求时，利用交易类别从交易映射表中查询到交易代码，根据交易代码进行记账。
步骤34：会计核算系统将交易代码与交易科目映射表进行匹配，查询到交易代码对应的记账科目和借贷方向。
该记账科目包括科目编码和科目层级信息，科目层级信息包括科目属性以及会计科目层级，科目属性包括资产类、负债类或共同类，会计科目层级包括一级科目、二级科目或三级科目。
会计科目层级为树状的层级，在一级科目下可设置若干二级科目，在二级科目下可设置若干三级科目，如图4所示。对于无下级的科目将其定义为叶子科目，叶子科目为会计科目的末级科目，所有的记账都发生在叶子科目下，非叶子科目下不允许记账；叶子科目下不允许新增下级科目，如果要新增，则将该叶子科目设置为非叶子科目。
在一具体的实施例中，科目编码以3位阿拉伯数字开头，资产类科目为1开头，负债类科目为2开头，共同类科目为4开头，下级科目的科目编码需向上继承上级科目的3位编码，形成的科目编码表如下所示：
Figure PCTCN2019089974-appb-000003
Figure PCTCN2019089974-appb-000004
其中，B2B(Business To Business)为企业对企业，B2C(Business To Customer)为企业对客户。
在分别设置完交易映射表和科目编码表后，进行分录的设置，即将交易代码与科目关联起来，以便于交易系统在处理完交易业务，请求记账时，向账户系统提供交易类别即可。
一笔交易至少会在账户系统中产生一条账户流水记录(明细账)，同时会在会计核算系统中根据业务的需要产生一条或者多条会计分录流水。该交易科目映射表包括至少一个交易代码以及与交易代码对应的记账科目和借贷方向，借贷方向为借或贷；每个交易代码对应会计分录表中的至少两条会计分录流水，每个借方和贷方分别对应一条会计分录流水。
步骤35：会计核算系统根据交易代码确定与交易代码对应的分录模板。
分录模板预先存储在会计核算系统中，该交易代码与分录模板相对应，在会计核算系统获取到交易代码之后，根据交易代码和分录模板之间的相关性，获取到与该交易代码对应的分录模板。
步骤36：会计核算系统将交易类别、交易代码、记账科目、交易金额或借贷方向写入分录模板中，生成会计分录表。
交易类别、交易代码以及分录模板三者之间相互关联，会计核算系统事先配置好交易类别所属的分录模板，在交易发生后直接按照交易类别确定分录模板并写入会计分录表内。
在一具体的实施例中，在某个人客户使用工商银行快捷支付进行余额充值时，会计分录表如下所示：
Figure PCTCN2019089974-appb-000005
Figure PCTCN2019089974-appb-000006
该客户在支付系统上通过工商银行提供的快捷支付来向余额充值，比如充值100元，个人客户向支付系统充值100元，支付系统负债增加100元，同时备付金银行不会立即向支付机构的银行账户入账，所以只能将资金放入待清算科目，充值完成将会形成如下会计记账：
借：40101003-待清算充值款工行快捷   100元
贷：20101001-个人账户存款           100元
对账系统在某一天对该笔订单进行对账，如果对平，则会计分录表如下所示：
Figure PCTCN2019089974-appb-000007
对账系统从银行获取资金账单，并与支付系统进行核对，如果该笔充值订单对平，支付系统会将待清算科目名下资金结转到备付金账户中，形成如下会计记账：
借：10101001-活期存款-工行收款           100元
贷：40101003-待清算充值款工行快捷        100元
步骤37：会计核算系统更新每个会计分账户的数据，并在预设时间段对所有会计分户账的数据进行合并，得到总账。
会计分账户的数据为会计分录表中的数据，会计核算系统可进行日终合并，将账目进行汇总。
区别于现有技术，本实施例提供了一种记账方法，预先设置交易代码以及记账科目，并将交易代码和记账科目进行关联，能够在接收到交 易类别时，查询到与交易类别对应的交易代码，再根据交易代码查询到分录模板以及记账科目，从而建立会计分录表；相比当前已有的汇总记账方法，采用联机记账的处理方法，使得每一笔交易处理完成后，都能够实时在会计核算系统中完成记账，具有及时性，提高了处理效率；通过设置科目、交易代码以及会计分录来完成记账，能够灵活应对复杂多变的多支付业务。
参阅图5，图5是本申请提供的记账方法又一实施例的流程示意图，该方法包括：
步骤51：账户系统接收交易系统发送的账务请求。
交易系统在处理完交易业务后，发送账务请求给账户系统，以请求账户系统进行记账。
步骤52：账户系统进行记账，并在记账完成后，向会计核算系统发送请求记账信息，以使得会计核算系统从请求记账信息中解析出交易类别，利用交易类别得到交易代码，从而生成会计分录表。
账户系统判断是否重复记账，若重复记账，则不执行此次记账操作；若未重复记账，则获取手续费，然后更新账户余额和账户流水，完成单式记账，并获取会计记账模式；会计记账模式有两种：批量记账和实时记账，为了及时处理账务，本实施例采用实时记账模式。
在记账完成后，账户系统请求会计核算系统进行记账，发送请求记账信息给会计核算系统，该请求记账信息包括记账请求、交易类别或交易金额，交易代码为交易类别的编号。
区别于现有技术，本实施例提供了一种记账方法，采用实时记账的模式，在交易系统每处理完一笔交易后，都能够实时在账户系统和会计核算系统中进行记账，能够及时处理记账业务。
参阅图6，图6是本申请提供的会计核算系统一实施例的结构示意图，会计核算系统60包括互相连接的存储器61和处理器62，其中，存储器61用于存储计算机程序，计算机程序在被处理器62执行时，用于实现上述实施例中的记账方法。
会计核算系统60是为了内部核算管理的需要而设立的，银行资金 清算与结转需要会计核算系统60的支撑，内部户与外部户的资金核算管理也需要会计核算系统60，会计核算系统60能够进行实时复式记账，提高处理效率。
参阅图7，图7是本申请提供的账户系统一实施例的结构示意图；账户系统70包括互相连接的存储器71和处理器72，其中，存储器71用于存储计算机程序，计算机程序在被处理器72执行时，用于实现上述实施例中的记账方法。
在交易系统发起账务请求后，账户系统70进行单式记账，提供余额和账务明细的查询，并发送记账请求给会计核算系统，使得会计核算系统能够进行实时复式记账。
参阅图8，图8是本申请提供的支付系统一实施例的结构示意图；支付系统80包括互相连接的账户系统81和会计核算系统82，其中，账户系统81为上述实施例中的账户系统，会计核算系统82为上述实施例中的会计核算系统。
通过灵活的系统配置即可完成互联网支付的会计记账，当交易处理完成后，先由账户系统81完成单边记账，再由会计核算系统82完成复式记账，账户系统81和会计核算系统82相互依赖，完成记账业务。
参阅图9，图9是本申请提供的存储介质一实施例的结构示意图，存储介质90用于存储计算机程序91，其中，计算机程序91在被处理器执行时，用于实现上述实施例中的记账方法。
其中，该存储介质90可以是服务端、U盘、移动硬盘、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、磁碟或者光盘等各种可以存储程序代码的介质。
在本申请所提供的几个实施方式中，应该理解到，所揭露的方法以及设备，可以通过其它的方式实现。例如，以上所描述的设备实施方式仅仅是示意性的，例如，模块或单元的划分，仅仅为一种逻辑功能划分，实际实现时可以有另外的划分方式，例如多个单元或组件可以结合或者可以集成到另一个系统，或一些特征可以忽略，或不执行。
作为分离部件说明的单元可以是或者也可以不是物理上分开的，作 为单元显示的部件可以是或者也可以不是物理单元，即可以位于一个地方，或者也可以分布到多个网络单元上。可以根据实际的需要选择其中的部分或者全部单元来实现本实施方式方案的目的。
另外，在本申请各个实施方式中的各功能单元可以集成在一个处理单元中，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单元中。上述集成的单元既可以采用硬件的形式实现，也可以采用软件功能单元的形式实现。
以上仅为本申请的实施例，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 (13)

  1. 一种记账方法，其特征在于，包括：
    会计核算系统接收账户系统发送的请求记账信息，其中，所述请求记账信息包括记账请求、交易类别或交易金额；
    所述会计核算系统从所述请求记账信息中解析出所述交易类别，并利用所述交易类别得到交易代码，其中，所述交易代码为所述交易类别的编号；
    所述会计核算系统从预先存储的交易科目映射表中查询所述交易代码对应的记账科目，其中，所述交易科目映射表包括至少一个所述交易代码以及与所述交易代码对应的所述记账科目；
    所述会计核算系统利用所述交易代码与所述记账科目生成会计分录表，以完成记账。
  2. 根据权利要求1所述的记账方法，其特征在于，所述会计核算系统从所述请求记账信息中解析出所述交易类别，并利用所述交易类别得到交易代码的步骤，包括：
    所述会计核算系统将解析出来的所述交易类别与预先建立的交易映射表进行匹配，得到所述交易类别对应的所述交易代码；
    其中，所述交易映射表包括至少一个所述交易类别以及与所述交易类别对应的所述交易代码。
  3. 根据权利要求1所述的记账方法，其特征在于，
    所述交易类别包括充值业务、提现业务、支付业务、转账业务或收款业务，每个业务包括一级业务和二级业务，所述二级业务为所述一级业务的明细业务，每个所述二级业务对应一个所述交易代码。
  4. 根据权利要求1所述的记账方法，其特征在于，所述会计核算系统从预先存储的交易科目映射表中查询所述交易代码对应的记账科目的步骤，包括：
    所述会计核算系统将所述交易代码与所述交易科目映射表进行匹配，查询到所述交易代码对应的所述记账科目和借贷方向；
    其中，所述交易科目映射表包括至少一个所述交易代码以及与所述交易代码对应的所述记账科目和所述借贷方向。
  5. 根据权利要求4所述的记账方法，其特征在于，
    所述借贷方向为借或贷，每个所述交易代码对应所述会计分录表中的至少两条会计分录流水。
  6. 根据权利要求4所述的记账方法，其特征在于，所述会计核算系统利用所述交易代码与所述记账科目生成会计分录表，以完成记账的步骤，包括：
    所述会计核算系统根据所述交易代码确定与所述交易代码对应的分录模板，其中，所述分录模板预先存储在所述会计核算系统中；
    所述会计核算系统将所述交易类别、所述交易代码、所述记账科目、所述交易金额或所述借贷方向写入所述分录模板中，生成所述会计分录表。
  7. 根据权利要求1所述的记账方法，其特征在于，所述会计核算系统从所述请求记账信息中解析出所述交易类别，并利用所述交易类别得到交易代码的步骤之前，还包括：
    所述会计核算系统自动生成会计流水编号；
    其中，所述会计流水编号为所述会计分录表对应的编号。
  8. 根据权利要求1所述的记账方法，其特征在于，所述方法还包括：
    所述会计核算系统更新每个会计分账户的数据，并在预设时间段对所有所述会计分户账的数据进行合并，得到总账；
    其中，所述会计分账户的数据为所述会计分录表中的数据。
  9. 一种记账方法，其特征在于，包括：
    账户系统接收交易系统发送的账务请求；
    所述账户系统进行记账，并在记账完成后，向会计核算系统发送请求记账信息，以使得所述会计核算系统从所述请求记账信息中解析出交易类别，利用所述交易类别得到交易代码，从而生成会计分录表；
    其中，所述请求记账信息包括记账请求、交易类别或交易金额，所述交易代码为所述交易类别的编号。
  10. 一种会计核算系统，其特征在于，包括互相连接的存储器和处理器，其中，所述存储器用于存储计算机程序，所述计算机程序在被所述处理器执行时，用于实现权利要求1-8中任一项所述的记账方法。
  11. 一种账户系统，其特征在于，包括互相连接的存储器和处理器，其中，所述存储器用于存储计算机程序，所述计算机程序在被所述处理器执行时，用于实现权利要求9所述的记账方法。
  12. 一种支付系统，其特征在于，包括互相连接的会计核算系统和账户系统，其中，所述会计核算系统为权利要求10所述的会计核算系统，所述账户系统为权利要求11所述的账户系统。
  13. 一种存储介质，用于存储计算机程序，其特征在于，所述计算机程序在被处理器执行时，用于实现如权利要求1-9中任一项所述的记账方法。
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