CN104978684A - Information processing method and system - Google Patents
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- CN104978684A CN104978684A CN201410707685.3A CN201410707685A CN104978684A CN 104978684 A CN104978684 A CN 104978684A CN 201410707685 A CN201410707685 A CN 201410707685A CN 104978684 A CN104978684 A CN 104978684A
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Abstract
The embodiment of the invention discloses an information processing method and system. The method comprises the following steps: detecting a current date, and obtaining a reconciliation triggering condition; when the current date meets the reconciliation triggering condition T+X, obtaining first statement information from an account system, and obtaining second statement information from a third-party credit and loan platform; utilizing recorded detail information which corresponds to the Tth-day transaction of the third-party credit and loan platform to carry out first reconciliation processing on the first statement information, wherein the first reconciliation processing is used for generating credit loan final statement information; and utilizing the credit loan final statement information to carry out second reconciliation processing on the second statement information, wherein the second reconciliation processing is used for checking and approving the second statement information. The technical scheme of the embodiment is adopted to improve the efficiency and the accuracy of reconciliation processing, guarantees the flowing direction correctness of funds among different systems, and avoids the problem of long fund flowing period due to a wrong fund flowing direction.
Description
Technical field
The present invention relates to the information processing technology, particularly relate to a kind of information processing method and system.
Background technology
With the development of internet, net borrows platform as point-to-point (P2P, Peer to Peer) platform borrowed by net becomes individual and raise funds or invest the platform generally used, platform can be borrowed by net by individual or the unit (referred to as investor) with financing investment intent, uses the mode of fiduciary loan fund to be borrowed the individual or the unit (referred to as debt-credit side) that there are borrowing demand to other; At present, net is borrowed platform and is paid logical payment platform often through payment platform as wealth and set up cash flow pipeline between investor and debt-credit side, investor and debt-credit side borrow platform and reach purpose netting, provided with funds to debt-credit side by payment platform by investor, and repaid to investor by payment platform by debt-credit side;
Because net loan platform relates in many ways the account between (platform borrowed by third party's lending platforms, payment platform, net), because a variety of causes (as network failure) etc. inevitably produces monolateral account (making account occur error) in practical application, now, if the mode of the inner folk prescription reconciliation of the system platform at either party only adopting correlation technique to adopt, then not only be difficult to the correctness ensureing account information, and billing cycle is longer, be difficult to guarantee fund to circulate between multi-side system the correctness in direction, and then extend the circulation cycle of fund;
In sum, for efficiency and the accuracy that how can improve reconciliation process, guarantee fund circulates the correctness in direction between different system platform, and avoid fund flow anisotropy to cause the circulation cycle stretch-out of fund, correlation technique there is no effective solution.
Summary of the invention
The embodiment of the present invention provides a kind of information processing method and system, can guarantee guarantee fund and to circulate between different system platform the correctness in direction, avoid the problem that fund flow anisotropy causes the circulation cycle of fund long.
The technical scheme of the embodiment of the present invention is achieved in that
The embodiment of the present invention provides a kind of information processing method, and described method comprises:
Detect current date, and obtain reconciliation trigger condition T+X;
When current date meets reconciliation trigger condition T+X, the first statement information is obtained from billing and accounting system, and obtain the second statement information from third party's lending platforms, wherein, described first statement information is the statement information at T day corresponding described third party's lending platforms that described billing and accounting system generates, the statement information that described second statement information utilizes the transaction record of local T day to generate for described third party's lending platforms;
Utilize the managing detailed catalogue of the transaction of the correspondence described third party lending platforms T day of recording, carry out the first reconciliation process with described first statement information, described first reconciliation process borrows advice of settlement information for generating cash;
Utilize described cash loan advice of settlement information and described second statement information to carry out the second reconciliation process, described second reconciliation process is for checking and approving described second statement information; Wherein, T be more than or equal to zero integer, X be more than or equal to 1 integer.
Preferably, the managing detailed catalogue of the transaction of the T day of the correspondence described third party lending platforms that described utilization is recorded, carry out the first reconciliation process with described first statement information, comprising:
By the managing detailed catalogue of the transaction of described T day, compare with described first statement information;
If occur in comparison result that difference is concluded the business, then carry out the process of tune account according to the managing detailed catalogue of described first statement information to the transaction of described T day, the managing detailed catalogue of the transaction of the T day after adjusting account process and described first statement information is utilized to proceed comparison, until no longer occur in the comparison result obtained that difference is concluded the business;
Utilize the managing detailed catalogue of the transaction after adjusting account process to generate cash and borrow statement information.
Preferably, describedly carry out the process of tune account according to the managing detailed catalogue of described first statement information to the transaction of described T day, comprising:
According to the time of origin of bill in described first statement information, determine to conclude the business with described difference in the managing detailed catalogue of the transaction of described T day corresponding transaction;
Utilize the information of determined transaction, in the managing detailed catalogue of described transaction, carry out following process one of at least:
Increase the transaction of described difference; Delete the transaction of described difference; Upgrade the amount information of described difference transaction.
Preferably, described described cash loan advice of settlement information and the described second statement information of utilizing carries out the second reconciliation process, comprising:
Described cash loan statement information and described second statement information are compared;
When occurring that difference is concluded the business in comparison result, the information that described difference is concluded the business is sent to described third party's lending platforms, trigger the information that described third party's lending platforms carries out concluding the business according to described difference and carry out the process of tune account, to regenerate described second statement information;
The the second statement information regenerated described in utilization, borrow statement information compare, until no longer occur in comparison result that difference is concluded the business with described cash.
Preferably, obtain the second statement information from described third party's lending platforms, comprising:
Described second statement information is obtained from file system server; Wherein,
Described second statement information is that described third party's lending platforms is uploaded to described file system server.
Preferably, described method also comprises:
Borrow statement information based on the cash obtained after described second reconciliation process and generate cash loan advice of settlement information;
Described cash loan advice of settlement information and described billing and accounting system is utilized to carry out capital settlement process.
The embodiment of the present invention also provides a kind of information handling system, and described information handling system comprises:
Detecting unit, for detecting current date, and obtains reconciliation trigger condition T+X;
Acquiring unit, during for meeting reconciliation trigger condition T+X at current date, the first statement information is obtained from billing and accounting system, and obtain the second statement information from third party's lending platforms, wherein, described first statement information is the statement information at T day corresponding third party's lending platforms that described billing and accounting system generates, the statement information that described second statement information utilizes the transaction record of local T day to generate for described third party's lending platforms;
First reconciliation unit, for utilizing the managing detailed catalogue of the transaction of recorded correspondence described third party lending platforms T day, carrying out the first reconciliation process with described first statement information, described first reconciliation process borrows advice of settlement information for generating cash;
Second reconciliation unit, borrows advice of settlement information for utilizing described cash and described second statement information carries out the second reconciliation process, and described second reconciliation process is for checking and approving described second statement information; Wherein, T be more than or equal to zero integer, X be more than or equal to 1 integer.
Preferably, described first reconciliation unit, comprising:
First comparing module, for the managing detailed catalogue of the transaction by described T day, compares with described first statement information;
First adjusting module, for when occurring that difference is concluded the business in described comparison result, the process of tune account is carried out according to the managing detailed catalogue of described first statement information to the transaction of described T day, the managing detailed catalogue of the transaction of the T day after adjusting account process and described first statement information is utilized to proceed comparison, until no longer occur in the comparison result obtained that difference is concluded the business;
Generation module, generates cash for utilizing the managing detailed catalogue of the transaction after adjusting account process and borrows statement.
Preferably, described first adjusting module comprises:
Comparer module, for the time of origin according to bill in described first statement information, determines to conclude the business with described difference in the managing detailed catalogue of the transaction of described T day corresponding transaction;
Adjustment submodule, for utilizing the information of determined transaction, carries out following process one of at least in the managing detailed catalogue of described transaction:
Increase the transaction of described difference; Delete the transaction of described difference; Upgrade the amount information of described difference transaction.
Preferably, described second reconciliation unit comprises:
Second comparing unit, for comparing described cash loan statement information and described second statement information;
Second adjusting module, for when occurring that difference is concluded the business in described comparison result, the information that described difference is concluded the business is sent to described third party's lending platforms, trigger the information that described third party's lending platforms carries out concluding the business according to described difference and carry out the process of tune account, to regenerate described second statement information;
Described second comparing unit, also for regenerate described in utilizing the second statement information, borrow statement information with described cash and compare, until no longer occur in comparison result that difference is concluded the business.
Preferably, described acquiring unit is also for obtaining described second statement information from file system server; Wherein, described second statement information is that described third party's lending platforms is uploaded to described file system server after described second statement information after generation.
Preferably, described information handling system also comprises:
Clearing unit, generates cash loan advice of settlement information for borrowing statement information based on the cash obtained after described second reconciliation process; Described cash loan advice of settlement information and described billing and accounting system is utilized to carry out capital settlement process.
The technical scheme that the embodiment of the present invention provides can be applied to cash and borrow settlement system, because the bill information in T+X day to T day is settled accounts, as T+1 settlement mode can be adopted when X is 1, substantially increase the efficiency that tripartite's (cash borrows settlement system, billing and accounting system, third party's lending platforms) settles accounts, the managing detailed catalogue of transaction and the first statement is utilized to carry out reconciliation, and the second statement that the cash obtained after utilizing reconciliation loan statement and third party's lending platforms generate carries out reconciliation, thus determine that cash is borrowed advice of settlement and carries out capital settlement, also namely according to bill, business, the priority of little Dai company (corresponding third party's lending platforms) carries out reconciliation, avoid folk prescription reconciliation in correlation technique, the problem easily gone wrong is caused because reconciliation is insufficient, improve the correctness of reconciliation, fund flow anisotropy when avoiding capital settlement, in conjunction with T+1 settlement mode, accelerate settlement efficiency further, the fund that shortens is in system platform (billing and accounting system, third party's lending platforms, settlement system platform borrowed by cash) between flow cycle turnover.
Accompanying drawing explanation
Fig. 1 is the realization flow figure mono-of information processing method in the embodiment of the present invention;
Fig. 2 is the realization flow figure bis-of information processing method in the embodiment of the present invention;
Fig. 3 a is the structural representation one of information handling system in the embodiment of the present invention;
Fig. 3 b is the structural representation one of the first reconciliation unit in the embodiment of the present invention;
Fig. 3 c is the structural representation two of the first reconciliation unit in the embodiment of the present invention;
Fig. 3 d is the structural representation of the second reconciliation unit in the embodiment of the present invention;
Fig. 3 e is the structural representation two of information handling system in the embodiment of the present invention;
Fig. 3 f is the hardware structure schematic diagram of information handling system in the embodiment of the present invention;
Fig. 4 arranges the topological schematic diagram one that settlement system borrowed by cash in the embodiment of the present invention;
Fig. 5 arranges the topological schematic diagram two that settlement system borrowed by cash in the embodiment of the present invention;
Fig. 6 is the application scenarios schematic diagram one in the embodiment of the present invention;
Fig. 7 is the application scenarios schematic diagram two in the embodiment of the present invention;
Fig. 8 to Figure 11 is the realization flow figure of reconciliation process in the embodiment of the present invention.
Embodiment
Below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
Inventor finds in the practice of the invention, borrow platform due to net and relate to (debt-credit side in many ways, payment platform, net borrow platform) between account, because a variety of causes (as network failure) etc. inevitably produces monolateral account (error appears in the account information between making in many ways) in practical application, now, if only adopt correlation technique to adopt the mode of the folk prescription reconciliation in system platform inside, then not only be difficult to the fund security ensureing debtor and creditor, billing cycle is longer, and due to the problem of monolateral account, be difficult to guarantee fund to circulate between different system platform the correctness in direction, and then the fund that extends flows cycle turnover between different system platform,
Inventor also finds in the practice of the invention, as shown in Figure 1, borrows settlement system (platform borrowed by corresponding net), in a step 101, detect current date, and obtain reconciliation trigger condition T+X for cash; In a step 102, when current date meets reconciliation trigger condition T+X, the first statement information is obtained from billing and accounting system (counterpart expenditure platform), and obtain the second statement information from third party's lending platforms (corresponding third party's lending platforms), wherein, described first statement information is the statement information at T day corresponding third party's lending platforms that described billing and accounting system generates, the statement information that described second statement information utilizes the transaction record of local T day to generate for described third party's lending platforms;
In step 103, utilize the managing detailed catalogue of the transaction of corresponding described third party's lending platforms T day, carry out the first reconciliation process with described first statement information, described first reconciliation process borrows advice of settlement information for generating cash;
At step 104, utilize described cash loan advice of settlement information and described second statement information to carry out the second reconciliation process, described second reconciliation process is for checking and approving described second statement information; Wherein, T be more than or equal to zero integer, X be more than or equal to 1 integer.
Because the bill information in T+X day to T day is settled accounts, as T+1 settlement mode can be adopted when X is 1, substantially increase the efficiency that tripartite's (cash borrows settlement system, billing and accounting system, third party's lending platforms) settles accounts, the managing detailed catalogue of transaction and the first statement is utilized to carry out reconciliation, and the second statement that the cash obtained after utilizing reconciliation loan statement and third party's lending platforms generate carries out reconciliation, thus determine that cash is borrowed advice of settlement and carries out capital settlement, also namely according to bill, business, the priority of little Dai company (corresponding third party's lending platforms) carries out reconciliation, when avoiding folk prescription reconciliation in correlation technique, the problem causing account information easily to go wrong because reconciliation is insufficient, improve the correctness of reconciliation, when avoiding capital settlement, fund circulates the problem of anisotropy between different system platform, simultaneously in conjunction with T+X settlement mode, accelerate settlement efficiency further, the fund that shortens flows cycle turnover between different system platform.
Embodiment one
The present embodiment records a kind of information processing method, can be applied to cash and borrow settlement system, and as shown in Figure 2, the information processing method that the present embodiment is recorded comprises the following steps:
Step 201, detects current date, and obtains reconciliation trigger condition, if current date meets reconciliation trigger condition T+X; If met, perform step 202; Otherwise, return step 201.
To adopt T+1 settlement mode, also namely reconciliation trigger condition is T+1, if when current date is T+1 day, then meets the reconciliation condition to the bill information of T day, also namely need the bill to T day (comprising the first statement information and the second statement information) to carry out reconciliation process.
Step 202, obtains the first statement information from billing and accounting system.
First statement information is the statement information at T day corresponding third party's lending platforms that billing and accounting system generates; Settlement system borrowed by cash can obtain the first statement information by specific data cube computation from billing and accounting system, and data cube computation can adopt internet data connection, optical fiber (Fibre Channel) data cube computation, cable (Cable) data cube computation, public exchange electricity loop network (PSTN) data cube computation etc.
Step 203, obtains third party's lending platforms from file system server and obtains the second statement information.
The statement information that second statement information utilizes the transaction record of local T day to generate for third party's lending platforms.
Step 204, by the managing detailed catalogue of the transaction of described T day, with compare from described first statement information.
Step 205, if occur in comparison result that difference is concluded the business, then performs step 206; Otherwise, perform step 207.
Step 206, the process of tune account is carried out according to the managing detailed catalogue of described first statement to the transaction of described T day, the managing detailed catalogue of the transaction of the T day after adjusting account process and described first statement is utilized to proceed comparison, until no longer occur in the comparison result obtained that difference is concluded the business.
As the example adjusting account process, according to the time of origin of bill in described first statement information, determine to conclude the business with described difference in the managing detailed catalogue of the transaction of described T day corresponding transaction;
Utilize the information of determined transaction, in the managing detailed catalogue of described transaction, carry out following process one of at least:
Increase the transaction of described difference; Delete the transaction of described difference, upgrade the amount information of described difference transaction.
Step 203 to step 206 is the process of the first reconciliation process.
Step 207, (this managing detailed catalogue is the managing detailed catalogue of the transaction corresponding when being judged as NO of step 205 to utilize the managing detailed catalogue of transaction; Or step 205 is when being judged as YES, the managing detailed catalogue of the transaction obtained by step 206) generate cash and borrow statement.
Step 208, borrows statement by described cash and described second statement is compared.
Step 209, when occurring that difference is concluded the business in comparison result, performs step 210; Otherwise, perform step 212, directly utilize the second statement information to generate cash and borrow advice of settlement.
Step 207 to step 209 is the implementation procedure of the second reconciliation process.
Step 210, is sent to described third party's lending platforms by the information that difference is concluded the business, and triggers the information that described third party's lending platforms carries out concluding the business according to described difference and carries out the process of tune account, to regenerate described second statement information.
Step 211, utilizes the second statement information, borrows statement compare with described cash, until no longer occur in comparison result that difference conclude the business, utilizes cash to borrow statement generation cash loan advice of settlement.
Step 212, (statement borrowed by cash when step 209 is judged as NO to borrow statement based on cash; Or step 209 is when being judged as YES, statement borrowed by the cash generated by step 210 and step 211) generate cash and borrow advice of settlement, utilize cash to borrow advice of settlement and billing and accounting system carries out capital settlement process.
Because the bill information in T+X day to T day is settled accounts, as T+1 settlement mode can be adopted when X is 1, substantially increase the efficiency that tripartite's (cash borrows settlement system, billing and accounting system, third party's lending platforms) settles accounts, the managing detailed catalogue of transaction and the first statement is utilized to carry out reconciliation, and the second statement that the cash obtained after utilizing reconciliation loan statement and third party's lending platforms generate carries out reconciliation, thus determine that cash is borrowed advice of settlement and carries out capital settlement, also namely according to bill, business, the priority of little Dai company (corresponding third party's lending platforms) carries out reconciliation, avoid folk prescription reconciliation in correlation technique, the problem easily gone wrong is caused because reconciliation is insufficient, improve the correctness of reconciliation, when avoiding capital settlement, fund circulates the problem of anisotropy between different system platform, simultaneously in conjunction with T+X settlement mode, accelerate settlement efficiency further, the fund that shortens flows cycle turnover between different system platform.
Embodiment two
The present embodiment records a kind of information handling system (settlement system borrowed by corresponding above-mentioned cash), and as shown in Figure 3 a, described information handling system comprises:
Detecting unit 31, for detecting current date, and obtains reconciliation trigger condition;
Acquiring unit 32, reconciliation treatment conditions T+X is met for current date, the first statement information is obtained from billing and accounting system, and obtain the second statement information from described third party's lending platforms, wherein, described first statement information is the statement information at T day corresponding third party's lending platforms that described billing and accounting system generates, the statement information that described second statement information utilizes the transaction record of local T day to generate for described third party's lending platforms;
First reconciliation unit 33, for utilizing the managing detailed catalogue of the transaction of recorded correspondence described third party lending platforms T day, carrying out the first reconciliation process with described first statement information, described first reconciliation process borrows advice of settlement information for generating cash;
Second reconciliation unit 34, borrows advice of settlement information for utilizing described cash and described second statement information carries out the second reconciliation process, and described second reconciliation process is for checking and approving described second statement information; Wherein, T be more than or equal to zero integer, X be more than or equal to 1 integer.
As an embodiment, as shown in Figure 3 b, described first reconciliation unit 33, comprising:
First comparing module 331, for the managing detailed catalogue of the transaction by described T day, compares with described first statement information;
First adjusting module 332, for when occurring that difference is concluded the business in described comparison result, the process of tune account is carried out according to the managing detailed catalogue of described first statement information to the transaction of described T day, the managing detailed catalogue of the transaction of the T day after adjusting account process and described first statement is utilized to proceed comparison, until no longer occur in the comparison result obtained that difference is concluded the business;
Generation module 333, generates cash for utilizing the managing detailed catalogue of the transaction after adjusting account process and borrows statement.
As an embodiment, as shown in Figure 3 c, based on Fig. 3 b, described first adjusting module 332 comprises:
Comparer module 3321, for the time of origin according to bill in described first statement information, determines to conclude the business with described difference in the managing detailed catalogue of the transaction of described T day corresponding transaction;
Adjustment submodule 3322, for utilizing the information of determined transaction, carries out following process one of at least in the managing detailed catalogue of described transaction:
Increase the transaction of described difference; Delete the transaction of described difference; Upgrade the amount information of described difference transaction.
As an embodiment, as shown in Figure 3 d, based on Fig. 3 b, described second reconciliation unit 34 comprises:
Second comparing module 341, for comparing described cash loan statement information and described second statement information;
Second adjusting module 342, for when occurring that difference is concluded the business in described comparison result, the information that described difference is concluded the business is sent to described third party's lending platforms, trigger the information that described third party's lending platforms carries out concluding the business according to described difference and carry out the process of tune account, to regenerate described second statement information;
Described second comparing module 341, also for regenerate described in utilizing the second statement information, borrow statement information with described cash and compare, until no longer occur in comparison result that difference is concluded the business.
As an embodiment, described acquiring unit 32 is also for obtaining described second statement information from file system service; Wherein, described second statement information is that described third party's lending platforms is uploaded to described file system server after described second statement information after generation.
As an embodiment, as shown in Figure 3 e, based on Fig. 3 a, described information handling system also comprises:
Clearing unit 35, generates cash loan advice of settlement information for borrowing statement information based on the cash obtained after described second reconciliation process; Described cash loan advice of settlement information and described billing and accounting system is utilized to carry out capital settlement process.
Framework below with regard to information handling system realizes being described, information handling system can be run (such as with the form of cloud service) by individual server or server cluster and realize, one realizes schematic diagram as illustrated in figure 3f, build multiple servers and become cloud service cluster, run by cloud service cluster and realize information handling system; Correspondingly, detecting unit 31, first reconciliation unit 33, second reconciliation unit 34 function in information handling system can be realized by the microprocessor (MCU) in server and storage medium, executable instruction is stored in described storage medium, when described executable instruction is read by microprocessor or processor by I/O bus and performed, in order to realize the function that in information handling system, each unit is corresponding;
Certainly, the implementation of detecting unit 31, first reconciliation unit 33, the second reconciliation unit 34 in information handling system is not limited only to the above, in practical application, also can be realized by the logic programmable gate array (FPGA) in server, digital signal processor (DSP);
Acquiring unit 31 can be in server the circuit arrangement or microprocessor of supporting particular data to connect, and data cube computation can comprise with Types Below: optical fiber (Fibre Channel) data cube computation; Cable (Cable) data cube computation; PSTN (PSTN) data cube computation; Network based on IEEE 802.3, IEEE 802.11b/g/n connects, electric line network (POWELINE), cable (CABLE), PSTN (PSTN, Public Switched Telephone Network); The IP network supported based on communication networks such as third generation partner program (3GPP, 3rd Generation Partnership Project), 3GPP2 networks connects.
Embodiment three
The present embodiment records a kind of computer-readable medium, can be ROM (such as, ROM (read-only memory), FLASH memory, transfer device etc.), magnetic storage medium (such as, tape, disc driver etc.), the program storage of optical storage medium (such as, CD-ROM, DVD-ROM, paper card, paper tape etc.) and other well-known types; Store computer executable instructions in described computer-readable medium, when executed, cause at least one processor to perform and comprise following operation:
Detect current date, and obtain reconciliation trigger condition T+X;
When current date meets reconciliation trigger condition T+X, the first statement information is obtained from billing and accounting system, and obtain the second statement information from third party's lending platforms, wherein, described first statement information is the statement information at T day corresponding described third party's lending platforms that described billing and accounting system generates, the statement information that described second statement information utilizes the transaction record of local T day to generate for described third party's lending platforms;
Utilize the managing detailed catalogue of the transaction of the correspondence described third party lending platforms T day of recording, carry out the first reconciliation process with described first statement information, described first reconciliation process borrows advice of settlement information for generating cash;
Utilize described cash loan advice of settlement information and described second statement information to carry out the second reconciliation process, described second reconciliation process is for checking and approving described second statement information; Wherein, T be more than or equal to zero integer, X be more than or equal to 1 integer.
As an embodiment, when executed, also cause at least one processor to perform and comprise following operation: by the managing detailed catalogue of the transaction of described T day, compare with described first statement information;
If occur in comparison result that difference is concluded the business, then carry out the process of tune account according to the managing detailed catalogue of described first statement information to the transaction of described T day, the managing detailed catalogue of the transaction of the T day after adjusting account process and described first statement information is utilized to proceed comparison, until no longer occur in the comparison result obtained that difference is concluded the business;
Utilize the managing detailed catalogue of the transaction after adjusting account process to generate cash and borrow statement information.
As an embodiment, when executed, also cause at least one processor to perform and comprise following operation: according to the time of origin of bill in described first statement information, determine to conclude the business with described difference in the managing detailed catalogue of the transaction of described T day corresponding transaction;
Utilize the information of determined transaction, in the managing detailed catalogue of described transaction, carry out following process one of at least:
Increase the transaction of described difference; Delete the transaction of described difference; Upgrade the amount information of described difference transaction.
As an embodiment, when executed, also cause at least one processor to perform and comprise following operation: described cash loan statement information and described second statement information are compared;
When occurring that difference is concluded the business in comparison result, the information that described difference is concluded the business is sent to described third party's lending platforms, trigger the information that described third party's lending platforms carries out concluding the business according to described difference and carry out the process of tune account, to regenerate described second statement information;
The the second statement information regenerated described in utilization, borrow statement information compare, until no longer occur in comparison result that difference is concluded the business with described cash.
As an embodiment, when executed, also cause at least one processor to perform and comprise following operation: during described instruction, also cause at least one processor to perform and comprise following operation: obtain described second statement information from file system server; Wherein,
Described second statement information is that described third party's lending platforms is uploaded to described file system server.
As an embodiment, when executed, also cause at least one processor to perform and comprise following operation: borrow statement information based on the cash obtained after described second reconciliation process and generate cash loan advice of settlement information;
Described cash loan advice of settlement information and described billing and accounting system is utilized to carry out capital settlement process.
Embodiment four
The present embodiment to net borrow platform, payment platform and third party's lending platforms, by server run realize platform) between carry out being described with the process processing account information alternately.
What Fig. 4 showed that cash borrows settlement system 200 (platform borrowed by corresponding net), billing and accounting system 300 (counterpart expenditure platform) and third party's lending platforms 100 arranges topological schematic diagram; Wherein, billing and accounting system 300 and third party's lending platforms 100 all can by the cluster of a station server or multiple servers (such as in concrete realization, to provide the form of cloud service) realize, wherein, when third party's lending platforms 100 this locality generates the statement of bill and third party's lending platforms, adopt real-time communication protocol to realize borrowing settlement system 200 with cash to communicate, communication mode can adopt the modes such as internet transmissions, Optical Fiber Transmission, cable transmission; Or as shown in Figure 5, can arrange file system server 400, thus third party's lending platforms bill can be uploaded to file system server 400, settlement system 200 borrowed by cash can obtain third party's lending platforms bill from file system server 400.
A cash is borrowed and is borrowed money transaction scene schematic diagram as shown in Figure 6, a cash is borrowed and is refunded transaction scene schematic diagram as shown in Figure 7, when the cash loan service for life function provided during user is by terminal QQ carries out borrowing money or refunding, in T day, cash will be triggered borrow settlement system 300 and this transaction (borrow money, refund) information is landed process, also namely process be landed to the managing detailed catalogue of every transaction of account; In T+1 day, to billing and accounting system 200 be triggered in the statement information generating corresponding third party's lending platforms 100 T day according to transaction record in this locality, comprise the information such as third party's lending platforms (as investors such as little Dai companies) mark, trading order form number, third party's lending platforms order number, dealing money, exchange hour; Correspondingly, in T+1 day, third party's lending platforms 100 generates the statement of corresponding above-mentioned transaction according to the transaction record of this locality.
The process of following Fig. 8 to Figure 11 is all described with T+1 settlement mode, T+1 settlement mode refers to, in T day, cash borrows settlement system in process of exchange, lands process (also namely in this locality preservation) to the managing detailed catalogue of every transaction of account (as debt-credit, repaying), the transaction record that third party's lending platforms receives according to oneself, generates the statement information of T day, in T+1 day, (payment platform is that wealth is paid all to billing and accounting system, financial system can be considered as wealth and pay logical core system) according to the transaction record of previous consecutive days, the statement information of corresponding third party's lending platforms is generated in this locality, comprise third party's lending platforms (as investors such as little Dai companies) mark, trading order form number, third party's lending platforms order number, dealing money, the information such as exchange hour also utilize the statement information of generation and cash to borrow the managing detailed catalogue of settlement system, and the bill information that third party's lending platforms generates carries out reconciliation, settlement amounts is determined after reconciliation terminates, capital settlement is carried out with third party's lending platforms, by T+1 settlement mode, the cycle of capital settlement can be shortened,
Example one
As shown in Figure 8, the processing procedure of bill information comprises the following steps:
Step 801, in T day, cash borrows settlement system in process of exchange, lands process (also namely in this locality preservation) to the managing detailed catalogue of every transaction of account (as debt-credit, repaying).
Step 802, T+1 day, billing and accounting system is (when payment platform is that finance are logical, financial system can be considered as wealth and pay logical core system) according to the transaction record of previous consecutive days, generate the statement information of corresponding third party's lending platforms in this locality, comprise the information such as third party's lending platforms (as investors such as little Dai companies) mark, trading order form number, third party's lending platforms order number, dealing money, exchange hour.
Step 803, the statement that settlement system pulls billing and accounting system borrowed by cash.
Step 804, cash is borrowed settlement system and is carried out reconciliation process, carries out the process of tune account when occurring that difference is concluded the business.
Cash borrows settlement system by the transaction details information of landing, carry out reconciliation, in this example, if do not occur that difference is concluded the business in reconciliation process with the statement obtained from billing and accounting system.
Step 805, cash is borrowed settlement system and is generated cash loan statement according to transaction details information.
Step 806, T+1 day, third party's lending platforms, according to the transaction record of oneself, generates the statement of T day.
The statement that third party's lending platforms generates comprises the total charge of every transaction, and with the financial management details that loan transaction is correlated with, the information such as such as transaction procedure takes, interest, default interest.Statement is uploaded to the reconciliation file server (corresponding aforesaid file system server) that settlement system borrowed by cash by third party's lending platforms.
Step 807, third party's lending platforms uploads generated statement to reconciliation file server.
Step 808, the statement that settlement system is uploaded from reconciliation file server acquisition third party lending platforms borrowed by cash.
Step 809, cash borrow settlement system utilizes the cash that generates borrow statement, and the statement that generates of third party's lending platforms carry out reconciliation.
In this example, if do not find in reconciliation process to there are differences transaction in the statement that third party's lending platforms is uploaded
Step 810, reconciliation completes, and generates advice of settlement.
Step 811, cash is borrowed settlement system and is uploaded advice of settlement to account server.
Step 812, billing and accounting system carries out capital settlement according to advice of settlement and third party's lending platforms.
Example two
As shown in Figure 9, the processing procedure of bill information comprises the following steps:
Step 901, in T day, cash borrows settlement system in process of exchange, lands process (also namely in this locality preservation) to the managing detailed catalogue of every transaction of account (as debt-credit, repaying).
Step 902, T+1 day, billing and accounting system is (when payment platform is that finance are logical, financial system can be considered as wealth and pay logical core system) according to the transaction record of previous consecutive days, generate the statement information of corresponding third party's lending platforms in this locality, comprise the information such as third party's lending platforms (as investors such as little Dai companies) mark, trading order form number, third party's lending platforms order number, dealing money, exchange hour.
Step 903, the statement that settlement system pulls billing and accounting system borrowed by cash.
Step 904, cash is borrowed settlement system and is carried out reconciliation process, occurs that difference is concluded the business and carries out the process of tune account.
The transaction details information that settlement system will be landed borrowed by cash, reconciliation is carried out with the statement obtained from billing and accounting system, conclude the business if there is difference, such as to occurring in transaction details information many single (having had more order), fall list (lost order), the amount of money does not mate (the order amount of money does not mate), then according to the statement obtained from billing and accounting system, the process of tune account is carried out to the transaction details information of landing, such as be as the criterion with the record obtained from billing and accounting system, information according to exchange hour carries out tune account, comprise and perform following operation one of at least: the order of Delete superfluous, add the order of disappearance, revise the amount information of wrong order.
Step 905, utilize the transaction details information after adjusting account process, proceed reconciliation process with the statement obtained from billing and accounting system, until bill alignment (the transaction details information of also namely landing is consistent with borrowing the statement that settlement system pulls from cash, as the order number in transaction details information and the amount of money, with the order number in statement and the amount of money all consistent).
Step 906, generates cash according to the transaction details information adjusted after account process and borrows statement.
Step 907, T+1 day, third party's lending platforms, according to the transaction record of oneself, generates the statement of T day.
The statement that third party's lending platforms generates comprises the total charge of every transaction, and with the financial management details that loan transaction is correlated with, the information such as such as transaction procedure takes, interest, default interest, statement is uploaded to the reconciliation file server that settlement system borrowed by cash by third party's lending platforms.
Step 908, third party's lending platforms uploads generated statement to reconciliation file server.
Step 909, the statement that settlement system is uploaded from reconciliation file server acquisition third party lending platforms borrowed by cash.
Step 910, cash borrow cash that settlement system utilizes self to generate borrow statement, and the statement that generates of third party's lending platforms carry out reconciliation.
In this example, if do not find in reconciliation process to there are differences transaction in the statement that third party's lending platforms is uploaded
Step 911, reconciliation completes, and generates advice of settlement.
Step 912, cash is borrowed settlement system and is uploaded advice of settlement to billing and accounting system.
Step 913, billing and accounting system carries out capital settlement according to advice of settlement and third party's lending platforms.
Example three
As shown in Figure 10, the processing procedure of bill information comprises the following steps:
Step 1001, in T day, cash borrows settlement system in process of exchange, lands process (also namely in this locality preservation) to the managing detailed catalogue of every transaction of account (as debt-credit, repaying).
Step 1002, T+1 day, billing and accounting system is (when payment platform is that finance are logical, financial system can be considered as wealth and pay logical core system) according to the transaction record of previous consecutive days, generate the statement information of corresponding third party's lending platforms in this locality, comprise the information such as third party's lending platforms (as investors such as little Dai companies) mark, trading order form number, third party's lending platforms order number, dealing money, exchange hour.
Step 1003, the statement that settlement system pulls billing and accounting system borrowed by cash.
Step 1004, cash is borrowed settlement system and is carried out reconciliation process.
Cash borrows settlement system by the transaction details information of landing, carry out reconciliation with the statement obtained from billing and accounting system.
In this example, if cash borrow settlement system by the transaction details information of landing, carry out reconciliation with the statement obtained from billing and accounting system time, do not occur that difference is concluded the business.
Step 1005, cash is borrowed settlement system and is utilized transaction details information to generate cash loan statement.
Step 1006, T+1 day, third party's lending platforms, according to the transaction record of oneself, generates the statement of T day.
The statement that third party's lending platforms generates comprises the total charge of every transaction, and with the financial management details that loan transaction is correlated with, the information such as such as transaction procedure takes, interest, default interest.Statement is uploaded to the reconciliation file server that settlement system borrowed by cash by third party's lending platforms.
Step 1007, third party's lending platforms uploads generated statement to reconciliation file server.
Step 1008, the statement that settlement system is uploaded from reconciliation file server acquisition third party lending platforms borrowed by cash.
Step 1009, cash borrow settlement system utilize institute generates cash loan statement, and the statement that generates of third party's lending platforms carry out reconciliation.
Step 1010, finds in reconciliation process to there are differences transaction in the statement that third party's lending platforms is uploaded, by difference Notice Of Transactions third party lending platforms.
Step 1011, the information of third party's lending platforms utilization variance transaction carries out the process of tune account to generated statement, regenerates statement.
Step 1012, the statement regenerated is uploaded to reconciliation file server by third party's lending platforms.
Step 1013, the statement that settlement system is uploaded from reconciliation file server acquisition third party lending platforms borrowed by cash.
Step 1014, cash borrow settlement system utilize institute generates cash loan statement, and the statement that generates of third party's lending platforms proceed reconciliation.
Step 1011 to step 1014 can multiple exercise, until cash borrows statement reconciliation that statement and third party's lending platforms generate when completing, cash is borrowed settlement system and utilized cash loan statement generation advice of settlement.
Step 1015, cash is borrowed settlement system reconciliation and is completed, and generates advice of settlement.
Step 1016, cash is borrowed settlement system and is uploaded advice of settlement to billing and accounting system.
Step 1017, billing and accounting system utilizes advice of settlement and third party's lending platforms to carry out capital settlement.
Example four
As shown in figure 11, the processing procedure of bill information comprises the following steps:
Step 1101, in T day, cash borrows settlement system in process of exchange, lands process (also namely in this locality preservation) to the managing detailed catalogue of every transaction of account (as debt-credit, repaying).
Step 1102, T+1 day, billing and accounting system is (when payment platform is that finance are logical, financial system can be considered as wealth and pay logical core system) according to the transaction record of previous consecutive days, generate the statement information of corresponding third party's lending platforms in this locality, comprise the information such as third party's lending platforms (as investors such as little Dai companies) mark, trading order form number, third party's lending platforms order number, dealing money, exchange hour.
Step 1103, the statement that settlement system pulls billing and accounting system borrowed by cash.
Step 1104, cash is borrowed settlement system and is carried out reconciliation process, carries out the process of tune account when occurring that difference is concluded the business.
The transaction details information that settlement system will be landed borrowed by cash, reconciliation is carried out with the statement obtained from billing and accounting system, conclude the business if there is difference, such as to occurring in transaction details information many single (having had more order), fall list (lost order), the amount of money does not mate (the order amount of money does not mate), then according to the statement obtained from billing and accounting system, the process of tune account is carried out to the transaction details information of landing, such as be as the criterion with the record obtained from billing and accounting system, information according to exchange hour carries out tune account, comprise and perform following operation one of at least: the order of Delete superfluous, add the order of disappearance, revise the amount information of wrong order.
Step 1105, utilize the transaction details information after adjusting account process, proceed reconciliation process with the statement obtained from billing and accounting system, until bill alignment (the transaction details information of also namely landing is consistent with borrowing the statement that settlement system pulls from cash, as the order number in transaction details information and the amount of money, with the order number in statement and the amount of money all consistent).
Step 1106, generates cash according to the transaction details information adjusted after account process and borrows statement.
Step 1107, T+1 day, third party's lending platforms, according to the transaction record of oneself, generates the statement of T day.
The statement that third party's lending platforms generates comprises the total charge of every transaction, and with the financial management details that loan transaction is correlated with, the information such as such as transaction procedure takes, interest, default interest, statement is uploaded to the reconciliation file server that settlement system borrowed by cash by third party's lending platforms.
Step 1108, third party's lending platforms uploads generated statement to reconciliation file server.
Step 1109, the statement that settlement system is uploaded from reconciliation file server acquisition third party lending platforms borrowed by cash.
Step 1110, cash borrow settlement system utilize institute generates cash loan statement, and the statement that generates of third party's lending platforms carry out reconciliation.
Step 1111, finds in reconciliation process to there are differences transaction in the statement that third party's lending platforms is uploaded, by difference Notice Of Transactions third party lending platforms.
Step 1112, the information of third party's lending platforms utilization variance transaction carries out the process of tune account to generated statement, regenerates statement.
Step 1113, the statement regenerated is uploaded to reconciliation file server by third party's lending platforms.
Step 1114, the statement that settlement system is uploaded from reconciliation file server acquisition third party lending platforms borrowed by cash.
Step 1115, cash borrow settlement system utilize institute generates cash loan statement, and the statement that generates of third party's lending platforms proceed reconciliation.
Step 1110 to step 1115 can multiple exercise, until cash borrows statement reconciliation that statement and third party's lending platforms generate when completing, cash is borrowed settlement system and utilized cash loan statement generation advice of settlement.
Step 1116, reconciliation completes, and generates advice of settlement.
Step 1117, cash is borrowed computing system and is uploaded advice of settlement to billing and accounting system.
Step 1118, billing and accounting system carries out capital settlement according to advice of settlement and third party's lending platforms.
In sum, in the embodiment of the present invention, utilize the bill information of reconciliation trigger condition in T+X day to T day to settle accounts, as T+1 settlement mode can be adopted when X is 1, greatly provide tripartite and utilize statement information to carry out the efficiency of capital settlement, the managing detailed catalogue of transaction and the first statement is utilized to carry out reconciliation, and the second statement that the cash obtained after utilizing reconciliation loan statement and third party's lending platforms generate carries out reconciliation, thus determine that cash is borrowed advice of settlement and carries out capital settlement, also namely according to bill, business, the priority of little Dai company (corresponding third party's lending platforms) carries out reconciliation, cause the problem easily gone wrong because reconciliation is insufficient when avoiding folk prescription reconciliation in correlation technique, improve correctness and the efficiency of reconciliation, fund flow mistake when avoiding capital settlement, cause fund circulation cycle long problem between different system platform.
One of ordinary skill in the art will appreciate that: all or part of step realizing said method embodiment can have been come by the hardware that programmed instruction is relevant, aforesaid program can be stored in a computer read/write memory medium, this program, when performing, performs the step comprising said method embodiment; And aforesaid storage medium comprises: movable storage device, random access memory (RAM, Random Access Memory), ROM (read-only memory) (ROM, Read-Only Memory), magnetic disc or CD etc. various can be program code stored medium.
Or, if the above-mentioned integrated unit of the present invention using the form of software function module realize and as independently production marketing or use time, also can be stored in a computer read/write memory medium.Based on such understanding, the technical scheme of the embodiment of the present invention can embody with the form of software product the part that correlation technique contributes in essence in other words, this computer software product is stored in a storage medium, comprises some instructions and performs all or part of of method described in each embodiment of the present invention in order to make a computer equipment (can be personal computer, server or the network equipment etc.).And aforesaid storage medium comprises: movable storage device, RAM, ROM, magnetic disc or CD etc. various can be program code stored medium.
The above; be only the specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, is anyly familiar with those skilled in the art in the technical scope that the present invention discloses; change can be expected easily or replace, all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain of described claim.
Claims (12)
1. an information processing method, is characterized in that, described method comprises:
Detect current date, and obtain reconciliation trigger condition T+X;
When current date meets reconciliation trigger condition T+X, the first statement information is obtained from billing and accounting system, and obtain the second statement information from third party's lending platforms, wherein, described first statement information is the statement information at T day corresponding described third party's lending platforms that described billing and accounting system generates, the statement information that described second statement information utilizes the transaction record of local T day to generate for described third party's lending platforms;
Utilize the managing detailed catalogue of the transaction of the correspondence described third party lending platforms T day of recording, carry out the first reconciliation process with described first statement information, described first reconciliation process borrows advice of settlement information for generating cash;
Utilize described cash loan advice of settlement information and described second statement information to carry out the second reconciliation process, described second reconciliation process is for checking and approving described second statement information; Wherein, T be more than or equal to zero integer, X be more than or equal to 1 integer.
2. the method for claim 1, is characterized in that, the managing detailed catalogue of the transaction of the T day of the correspondence described third party lending platforms that described utilization is recorded, carries out the first reconciliation process with described first statement information, comprising:
By the managing detailed catalogue of the transaction of described T day, compare with described first statement information;
If occur in comparison result that difference is concluded the business, then carry out the process of tune account according to the managing detailed catalogue of described first statement information to the transaction of described T day, the managing detailed catalogue of the transaction of the T day after adjusting account process and described first statement information is utilized to proceed comparison, until no longer occur in the comparison result obtained that difference is concluded the business;
Utilize the managing detailed catalogue of the transaction after adjusting account process to generate cash and borrow statement information.
3. method as claimed in claim 2, is characterized in that, describedly carries out the process of tune account according to the managing detailed catalogue of described first statement information to the transaction of described T day, comprising:
According to the time of origin of bill in described first statement information, determine to conclude the business with described difference in the managing detailed catalogue of the transaction of described T day corresponding transaction;
Utilize the information of determined transaction, in the managing detailed catalogue of described transaction, carry out following process one of at least:
Increase the transaction of described difference; Delete the transaction of described difference; Upgrade the amount information of described difference transaction.
4. method as claimed in claim 2, is characterized in that, described described cash loan advice of settlement information and the described second statement information of utilizing carries out the second reconciliation process, comprising:
Described cash loan statement information and described second statement information are compared;
When occurring that difference is concluded the business in comparison result, the information that described difference is concluded the business is sent to described third party's lending platforms, trigger the information that described third party's lending platforms carries out concluding the business according to described difference and carry out the process of tune account, to regenerate described second statement information;
The the second statement information regenerated described in utilization, borrow statement information compare, until no longer occur in comparison result that difference is concluded the business with described cash.
5. the method for claim 1, is characterized in that, obtains the second statement information, comprising from described third party's lending platforms:
Described second statement information is obtained from file system server; Wherein,
Described second statement information is that described third party's lending platforms is uploaded to described file system server.
6. the method as described in any one of claim 1 to 5, is characterized in that, described method also comprises:
Borrow statement information based on the cash obtained after described second reconciliation process and generate cash loan advice of settlement information;
Described cash loan advice of settlement information and described billing and accounting system is utilized to carry out capital settlement process.
7. an information handling system, is characterized in that, described information handling system comprises:
Detecting unit, for detecting current date, and obtains reconciliation trigger condition T+X;
Acquiring unit, during for meeting reconciliation trigger condition T+X at current date, the first statement information is obtained from billing and accounting system, and obtain the second statement information from third party's lending platforms, wherein, described first statement information is the statement information at T day corresponding third party's lending platforms that described billing and accounting system generates, the statement information that described second statement information utilizes the transaction record of local T day to generate for described third party's lending platforms;
First reconciliation unit, for utilizing the managing detailed catalogue of the transaction of recorded correspondence described third party lending platforms T day, carrying out the first reconciliation process with described first statement information, described first reconciliation process borrows advice of settlement information for generating cash;
Second reconciliation unit, borrows advice of settlement information for utilizing described cash and described second statement information carries out the second reconciliation process, and described second reconciliation process is for checking and approving described second statement information; Wherein, T be more than or equal to zero integer, X be more than or equal to 1 integer.
8. information handling system as claimed in claim 7, it is characterized in that, described first reconciliation unit, comprising:
First comparing module, for the managing detailed catalogue of the transaction by described T day, compares with described first statement information;
First adjusting module, for when occurring that difference is concluded the business in described comparison result, the process of tune account is carried out according to the managing detailed catalogue of described first statement information to the transaction of described T day, the managing detailed catalogue of the transaction of the T day after adjusting account process and described first statement information is utilized to proceed comparison, until no longer occur in the comparison result obtained that difference is concluded the business;
Generation module, generates cash for utilizing the managing detailed catalogue of the transaction after adjusting account process and borrows statement.
9. information handling system as claimed in claim 8, it is characterized in that, described first adjusting module comprises:
Comparer module, for the time of origin according to bill in described first statement information, determines to conclude the business with described difference in the managing detailed catalogue of the transaction of described T day corresponding transaction;
Adjustment submodule, for utilizing the information of determined transaction, carries out following process one of at least in the managing detailed catalogue of described transaction:
Increase the transaction of described difference; Delete the transaction of described difference; Upgrade the amount information of described difference transaction.
10. information handling system as claimed in claim 8, it is characterized in that, described second reconciliation unit comprises:
Second comparing unit, for comparing described cash loan statement information and described second statement information;
Second adjusting module, for when occurring that difference is concluded the business in described comparison result, the information that described difference is concluded the business is sent to described third party's lending platforms, trigger the information that described third party's lending platforms carries out concluding the business according to described difference and carry out the process of tune account, to regenerate described second statement information;
Described second comparing unit, also for regenerate described in utilizing the second statement information, borrow statement information with described cash and compare, until no longer occur in comparison result that difference is concluded the business.
11. information handling systems as claimed in claim 7, is characterized in that,
Described acquiring unit is also for obtaining described second statement information from file system server; Wherein, described second statement information is that described third party's lending platforms is uploaded to described file system server after described second statement information after generation.
12. information handling systems as described in any one of claim 7 to 11, it is characterized in that, described information handling system also comprises:
Clearing unit, generates cash loan advice of settlement information for borrowing statement information based on the cash obtained after described second reconciliation process; Described cash loan advice of settlement information and described billing and accounting system is utilized to carry out capital settlement process.
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Application publication date: 20151014 |