Disclosure of Invention
In view of this, the application provides an account checking method based on a block chain, which can simplify an account checking process, prevent data from being tampered, and improve transaction efficiency and transaction security.
The application provides a reconciliation method based on a block chain, which comprises the following steps:
each transaction record of the bank is recorded into a block chain, and a bank reconciliation distributed account book based on the block chain is formed;
recording each transaction flow record of the payment platform into a block chain to form a payment platform reconciliation distributed account book based on the block chain;
and checking the bank reconciliation distributed account book and the payment platform reconciliation distributed account book based on the intelligent contract to generate a reconciliation result.
Preferably, the method further comprises:
and connecting the nodes of the block chain for recording each transaction record of the bank and the nodes for recording each transaction flow record of the payment platform to form an alliance chain.
Preferably, the checking the bank reconciliation distributed ledger and the payment platform reconciliation distributed ledger based on the intelligent contract, and the generating a reconciliation result includes:
judging whether the hash value of the account in the bank reconciliation distributed account book is consistent with the hash value of the account in the payment platform reconciliation distributed account book, if so, then:
judging whether the accounts in the bank reconciliation distributed account book are consistent with the accounts in the payment platform reconciliation distributed account book, if so, generating a transaction account consistent report, and if not,:
and generating a transaction account inconsistent report.
Preferably, the determining whether the account in the bank reconciliation distributed account book is consistent with the account in the payment platform reconciliation distributed account book comprises:
and judging whether the important fields of the account records in the bank reconciliation distributed account book are consistent with the corresponding fields of the account records in the payment platform reconciliation distributed account book.
Preferably, the method further comprises:
judging whether the recording time of the accounts in the bank reconciliation distributed account book and/or the recording time of the accounts in the payment platform reconciliation distributed account book exceed a preset time length, if so, then:
and generating early warning information.
A blockchain-based reconciliation system comprising:
the first recording module is used for recording each transaction record of the bank into a block chain to form a bank reconciliation distributed account book based on the block chain;
the second recording module is used for recording each transaction flow record of the payment platform into the block chain to form a payment platform reconciliation distributed account book based on the block chain;
and the processing module is used for checking the bank reconciliation distributed account book and the payment platform reconciliation distributed account book based on the intelligent contract and generating a reconciliation result.
Preferably, the system further comprises:
and the connection module is used for connecting the nodes of the block chain for recording each transaction record of the bank and the nodes for recording each transaction flow record of the payment platform to form an alliance chain.
Preferably, the processing module comprises:
the first judgment unit is used for judging whether the hash value of the account in the bank reconciliation distributed account book is consistent with the hash value of the account in the payment platform reconciliation distributed account book;
the second judging unit is used for judging whether the accounts in the bank reconciliation distributed account book are consistent with the accounts in the payment platform reconciliation distributed account book or not when the hash values of the accounts in the bank reconciliation distributed account book are consistent with the hash values of the accounts in the payment platform reconciliation distributed account book;
and the generating unit is used for generating a transaction account consistent report when the account in the bank reconciliation distributed account book is consistent with the account in the payment platform reconciliation distributed account book, or generating a transaction account inconsistent report when the account in the bank reconciliation distributed account book is inconsistent with the account in the payment platform reconciliation distributed account book.
Preferably, the second judging unit is specifically configured to:
and judging whether the important fields of the account records in the bank reconciliation distributed account book are consistent with the corresponding fields of the account records in the payment platform reconciliation distributed account book.
Preferably, the system further comprises:
the judging module is used for judging whether the recording time of the accounts in the bank reconciliation distributed account book and/or the recording time of the accounts in the payment platform reconciliation distributed account book exceeds a preset time length or not;
and the generating module is used for generating early warning information when the recording time of the accounts in the bank reconciliation distributed account book and/or the recording time of the accounts in the payment platform reconciliation distributed account book exceeds a preset time length.
In summary, the application discloses a reconciliation method based on a block chain, when reconciliation is needed, each transaction record of a bank is counted into the block chain, a bank reconciliation distributed account book based on the block chain is formed, each transaction flow record of a payment platform is counted into the block chain, a payment platform reconciliation distributed account book based on the block chain is formed, then the bank reconciliation distributed account book and the payment platform reconciliation distributed account book are checked based on an intelligent contract, and a reconciliation result is generated. The account checking process can be simplified based on the block chain, data are prevented from being tampered, and transaction efficiency and transaction safety are improved.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
As shown in fig. 1, which is a flowchart of a block chain-based reconciliation method disclosed in embodiment 1 of the present application, the method may include the following steps:
s101, recording each transaction record of a bank into a block chain to form a bank reconciliation distributed account book based on the block chain;
when account checking is needed, each transaction record generated by the bank is recorded into the block chain, wherein the transaction record of the bank comprises: order number, order amount, transaction status, return amount, processing result, transaction record hash value, etc. And (4) recording the transaction records into a block chain, namely packaging the accounts of the bank into blocks, recording the accounts in the block chain based on a consensus mechanism, and storing the accounts in all the accounting nodes in a distributed manner to form the bank account checking distributed account book based on the block chain.
S102, recording each transaction flow record of the payment platform into a block chain to form a payment platform reconciliation distributed account book based on the block chain;
meanwhile, each transaction flow record generated by the payment platform is counted into the block chain, wherein the payment platform can comprise: third party payment platforms (such as WeChat, Payment treasures, E-treasures, etc.), electric power payment APP, shopping mall sales systems, etc. And (4) accounting the transaction flow records into a block chain, namely packaging accounts of the payment platform into blocks, recording the accounts in the block chain based on a consensus mechanism, and storing the accounts in each accounting node in a distributed manner to form a payment platform account checking distributed account book based on the block chain.
S103, checking the bank reconciliation distributed account book and the payment platform reconciliation distributed account book based on the intelligent contract to generate a reconciliation result.
And then automatically checking the bank reconciliation distributed account book and the payment platform reconciliation distributed account book according to the intelligent contract and whether the condition of account consistency is met, and generating a reconciliation result. The automatic execution of account checking is supported through the written intelligent contract, so that the whole account checking process is automatic and intelligent, the account checking cost is reduced, the efficiency is improved, and the risk of transaction errors is reduced.
In summary, in the above embodiments, when reconciliation is required, each transaction record of the bank is counted into the blockchain, so as to form a blockchain-based bank reconciliation distributed ledger book, each transaction flow record of the payment platform is counted into the blockchain, so as to form a blockchain-based payment platform reconciliation distributed ledger book, and then, based on an intelligent contract, the bank reconciliation distributed ledger book and the payment platform reconciliation distributed ledger book are checked, so as to generate a reconciliation result. The account checking process can be simplified based on the block chain, data are prevented from being tampered, and transaction efficiency and transaction safety are improved.
As shown in fig. 2, which is a flowchart of a block chain-based reconciliation method disclosed in embodiment 2 of the present application, the method may include the following steps:
s201, recording each transaction record of a bank into a block chain to form a bank reconciliation distributed account book based on the block chain;
when account checking is needed, each transaction record generated by the bank is recorded into the block chain, wherein the transaction record of the bank comprises: order number, order amount, transaction status, return amount, processing result, transaction record hash value, etc. And (4) recording the transaction records into a block chain, namely packaging the accounts of the bank into blocks, recording the accounts in the block chain based on a consensus mechanism, and storing the accounts in all the accounting nodes in a distributed manner to form the bank account checking distributed account book based on the block chain.
S202, recording each transaction flow record of the payment platform into a block chain to form a payment platform reconciliation distributed account book based on the block chain;
meanwhile, each transaction flow record generated by the payment platform is counted into the block chain, wherein the payment platform can comprise: third party payment platforms (such as WeChat, Payment treasures, E-treasures, etc.), electric power payment APP, shopping mall sales systems, etc. And (4) accounting the transaction flow records into a block chain, namely packaging accounts of the payment platform into blocks, recording the accounts in the block chain based on a consensus mechanism, and storing the accounts in each accounting node in a distributed manner to form a payment platform account checking distributed account book based on the block chain.
S203, connecting the nodes of the block chain for recording each transaction record of the bank and the nodes for recording each transaction flow record of the payment platform to form an alliance chain;
and connecting the nodes of each participating unit of the block chain to form a union chain. For example, a federation chain is formed by connecting a node for recording a blockchain of each transaction record of a bank and a node for recording a streamline record of each transaction of a payment platform, so that a blockchain-based bank reconciliation distributed ledger and a blockchain-based payment platform reconciliation distributed ledger can be shared.
S204, judging whether the hash value of the account in the bank reconciliation distributed account book is consistent with the hash value of the account in the payment platform reconciliation distributed account book, if so, entering S205:
each account has a corresponding hash value, has uniqueness, and is identification information. Therefore, in the account checking process, whether the hash value of the account in the bank account checking distributed account book is consistent with the hash value of the account in the payment platform account checking distributed account book is firstly compared, and the consistency check of the account is carried out only when the hash values are consistent.
S205, judging whether the accounts in the bank reconciliation distributed account book are consistent with the accounts in the payment platform reconciliation distributed account book, if so, entering S206, otherwise, entering S207:
when the hash value of the account in the bank reconciliation distributed account book is consistent with the hash value of the account in the payment platform reconciliation distributed account book, whether the account in the bank reconciliation distributed account book is consistent with the account in the payment platform reconciliation distributed account book is further judged based on the intelligent contract, when the account in the bank reconciliation distributed account book is consistent with the account in the payment platform reconciliation distributed account book, a transaction account consistent report is generated, and when the account in the bank reconciliation distributed account book is inconsistent with the account in the payment platform reconciliation distributed account book, a transaction account inconsistent report is generated.
S206, generating a transaction account consistent report;
and S207, generating a transaction account inconsistent report.
To sum up, in this embodiment, on the basis of embodiment 1, when the bank reconciliation distributed account book and the payment platform reconciliation distributed account book are checked based on the intelligent contract and the reconciliation result is generated, it is specifically determined whether the hash value of the account in the bank reconciliation distributed account book is consistent with the hash value of the account in the payment platform reconciliation distributed account book, when the reconciliation result is consistent, it is further determined whether the account in the bank reconciliation distributed account book is consistent with the account in the payment platform reconciliation distributed account book, if so, a transaction account consistent report is generated, and if not, a transaction account inconsistent report is generated. In the account checking process, based on the blockchain technology, the integrity and consistency of transaction data are verified by utilizing the transaction record hash value.
As shown in fig. 3, which is a flowchart of a block chain-based reconciliation method disclosed in embodiment 3 of the present application, the method may include the following steps:
s301, recording each transaction record of the bank into a block chain to form a bank reconciliation distributed account book based on the block chain;
when account checking is needed, each transaction record generated by the bank is recorded into the block chain, wherein the transaction record of the bank comprises: order number, order amount, transaction status, return amount, processing result, transaction record hash value, etc. And (4) recording the transaction records into a block chain, namely packaging the accounts of the bank into blocks, recording the accounts in the block chain based on a consensus mechanism, and storing the accounts in all the accounting nodes in a distributed manner to form the bank account checking distributed account book based on the block chain.
S302, recording each transaction flow record of the payment platform into a block chain to form a payment platform reconciliation distributed account book based on the block chain;
meanwhile, each transaction flow record generated by the payment platform is counted into the block chain, wherein the payment platform can comprise: third party payment platforms (such as WeChat, Payment treasures, E-treasures, etc.), electric power payment APP, shopping mall sales systems, etc. And (4) accounting the transaction flow records into a block chain, namely packaging accounts of the payment platform into blocks, recording the accounts in the block chain based on a consensus mechanism, and storing the accounts in each accounting node in a distributed manner to form a payment platform account checking distributed account book based on the block chain.
S303, connecting a node of a block chain for recording each transaction record of the bank with a node for recording each transaction flow record of the payment platform to form a alliance chain;
and connecting the nodes of each participating unit of the block chain to form a union chain. For example, a federation chain is formed by connecting a node for recording a blockchain of each transaction record of a bank and a node for recording a streamline record of each transaction of a payment platform, so that a blockchain-based bank reconciliation distributed ledger and a blockchain-based payment platform reconciliation distributed ledger can be shared.
S304, judging whether the recording time of the accounts in the bank reconciliation distributed account book and/or the recording time of the accounts in the payment platform reconciliation distributed account book exceed a preset time length, if so, entering S305, and if not, entering S306:
in addition, the recording time of the accounts in the bank reconciliation distributed account book and/or the recording time of the accounts in the payment platform reconciliation distributed account book can be further judged whether to exceed the preset time length, namely whether the accounts exceed the reconciliation deadline is judged, and when the reconciliation deadline is exceeded, the early warning information is generated.
S305, generating early warning information;
s306, judging whether the hash value of the account in the bank reconciliation distributed account book is consistent with the hash value of the account in the payment platform reconciliation distributed account book, if so, entering S307:
each account has a corresponding hash value, has uniqueness, and is identification information. Therefore, in the account checking process, whether the hash value of the account in the bank account checking distributed account book is consistent with the hash value of the account in the payment platform account checking distributed account book is firstly compared, and the consistency check of the account is carried out only when the hash values are consistent.
S307, judging whether the important fields of the account records in the bank reconciliation distributed account book are consistent with the corresponding fields of the account records in the payment platform reconciliation distributed account book, if so, entering S308, and if not, entering S309:
when the hash value of the account in the bank reconciliation distributed account book is consistent with the hash value of the account in the payment platform reconciliation distributed account book, the information such as order number, order amount, transaction state, return amount, processing result and the like is further checked according to rules based on the intelligent contract. Whether the important fields of the account records in the bank reconciliation distributed account book are consistent with the corresponding fields of the account records in the payment platform reconciliation distributed account book or not is checked, when the important fields of the account records in the bank reconciliation distributed account book are consistent with the corresponding fields of the account records in the payment platform reconciliation distributed account book, a transaction account consistent report is generated, and when the important fields of the account records in the bank reconciliation distributed account book are inconsistent with the corresponding fields of the account records in the payment platform reconciliation distributed account book, a transaction account inconsistent report is generated.
S308, generating a transaction account consistent report;
s309, generating a transaction account inconsistent report;
in summary, in this embodiment, on the basis of embodiment 1 and embodiment 2, the reconciliation is further performed by determining whether an important field of an account record in the bank reconciliation distributed account book is consistent with a corresponding field of an account record in the payment platform reconciliation distributed account book, and meanwhile, further determining whether the recording time of the account in the bank reconciliation distributed account book and/or the recording time of the account in the payment platform reconciliation distributed account book exceeds a preset time length, and when the recording time exceeds the preset time length, generating the warning information. In the account checking process, based on the blockchain technology, the integrity and consistency of transaction data are verified by utilizing the transaction record hash value.
As shown in fig. 4, which is a schematic structural diagram of a tie-out system based on a blockchain disclosed in embodiment 1 of the present application, the system may include:
the first recording module 401 is configured to count each transaction record of a bank into a block chain, so as to form a bank reconciliation distributed account book based on the block chain;
when account checking is needed, each transaction record generated by the bank is recorded into the block chain, wherein the transaction record of the bank comprises: order number, order amount, transaction status, return amount, processing result, transaction record hash value, etc. And (4) recording the transaction records into a block chain, namely packaging the accounts of the bank into blocks, recording the accounts in the block chain based on a consensus mechanism, and storing the accounts in all the accounting nodes in a distributed manner to form the bank account checking distributed account book based on the block chain.
A second recording module 402, configured to count each transaction flow record of the payment platform into a block chain, so as to form a payment platform reconciliation distributed ledger book based on the block chain;
meanwhile, each transaction flow record generated by the payment platform is counted into the block chain, wherein the payment platform can comprise: third party payment platforms (such as WeChat, Payment treasures, E-treasures, etc.), electric power payment APP, shopping mall sales systems, etc. And (4) accounting the transaction flow records into a block chain, namely packaging accounts of the payment platform into blocks, recording the accounts in the block chain based on a consensus mechanism, and storing the accounts in each accounting node in a distributed manner to form a payment platform account checking distributed account book based on the block chain.
And the processing module 403 is configured to check the bank reconciliation distributed ledger book and the payment platform reconciliation distributed ledger book based on the intelligent contract, and generate a reconciliation result.
And then automatically checking the bank reconciliation distributed account book and the payment platform reconciliation distributed account book according to the intelligent contract and whether the condition of account consistency is met, and generating a reconciliation result. The automatic execution of account checking is supported through the written intelligent contract, so that the whole account checking process is automatic and intelligent, the account checking cost is reduced, the efficiency is improved, and the risk of transaction errors is reduced.
In summary, in the above embodiments, when reconciliation is required, each transaction record of the bank is counted into the blockchain, so as to form a blockchain-based bank reconciliation distributed ledger book, each transaction flow record of the payment platform is counted into the blockchain, so as to form a blockchain-based payment platform reconciliation distributed ledger book, and then, based on an intelligent contract, the bank reconciliation distributed ledger book and the payment platform reconciliation distributed ledger book are checked, so as to generate a reconciliation result. The account checking process can be simplified based on the block chain, data are prevented from being tampered, and transaction efficiency and transaction safety are improved.
As shown in fig. 5, a schematic structural diagram of a tie-out system based on a blockchain disclosed in embodiment 2 of the present application is shown, where the system may include:
the first recording module 501 is configured to count each transaction record of a bank into a block chain, so as to form a bank reconciliation distributed account book based on the block chain;
when account checking is needed, each transaction record generated by the bank is recorded into the block chain, wherein the transaction record of the bank comprises: order number, order amount, transaction status, return amount, processing result, transaction record hash value, etc. And (4) recording the transaction records into a block chain, namely packaging the accounts of the bank into blocks, recording the accounts in the block chain based on a consensus mechanism, and storing the accounts in all the accounting nodes in a distributed manner to form the bank account checking distributed account book based on the block chain.
A second recording module 502, configured to count each transaction flow record of the payment platform into a block chain, so as to form a payment platform reconciliation distributed ledger book based on the block chain;
meanwhile, each transaction flow record generated by the payment platform is counted into the block chain, wherein the payment platform can comprise: third party payment platforms (such as WeChat, Payment treasures, E-treasures, etc.), electric power payment APP, shopping mall sales systems, etc. And (4) accounting the transaction flow records into a block chain, namely packaging accounts of the payment platform into blocks, recording the accounts in the block chain based on a consensus mechanism, and storing the accounts in each accounting node in a distributed manner to form a payment platform account checking distributed account book based on the block chain.
The connection module 503 is configured to connect a node of a block chain for recording each transaction record of the bank and a node for recording each transaction flow record of the payment platform to form an alliance chain;
and connecting the nodes of each participating unit of the block chain to form a union chain. For example, a federation chain is formed by connecting a node for recording a blockchain of each transaction record of a bank and a node for recording a streamline record of each transaction of a payment platform, so that a blockchain-based bank reconciliation distributed ledger and a blockchain-based payment platform reconciliation distributed ledger can be shared.
A first judging unit 504, configured to judge whether a hash value of an account in a bank reconciliation distributed account book is consistent with a hash value of an account in a payment platform reconciliation distributed account book;
each account has a corresponding hash value, has uniqueness, and is identification information. Therefore, in the account checking process, whether the hash value of the account in the bank account checking distributed account book is consistent with the hash value of the account in the payment platform account checking distributed account book is firstly compared, and the consistency check of the account is carried out only when the hash values are consistent.
A second determining unit 505, configured to determine whether an account in the bank reconciliation distributed account book is consistent with an account in the payment platform reconciliation distributed account book when a hash value of the account in the bank reconciliation distributed account book is consistent with a hash value of the account in the payment platform reconciliation distributed account book;
when the hash value of the account in the bank reconciliation distributed account book is consistent with the hash value of the account in the payment platform reconciliation distributed account book, whether the account in the bank reconciliation distributed account book is consistent with the account in the payment platform reconciliation distributed account book is further judged based on the intelligent contract, when the account in the bank reconciliation distributed account book is consistent with the account in the payment platform reconciliation distributed account book, a transaction account consistent report is generated, and when the account in the bank reconciliation distributed account book is inconsistent with the account in the payment platform reconciliation distributed account book, a transaction account inconsistent report is generated.
The generating unit 506 is configured to generate a transaction account consistent report when the account in the bank reconciliation distributed account book is consistent with the account in the payment platform reconciliation distributed account book, or generate a transaction account inconsistent report when the account in the bank reconciliation distributed account book is inconsistent with the account in the payment platform reconciliation distributed account book.
To sum up, in this embodiment, on the basis of embodiment 1, when the bank reconciliation distributed account book and the payment platform reconciliation distributed account book are checked based on the intelligent contract and the reconciliation result is generated, it is specifically determined whether the hash value of the account in the bank reconciliation distributed account book is consistent with the hash value of the account in the payment platform reconciliation distributed account book, when the reconciliation result is consistent, it is further determined whether the account in the bank reconciliation distributed account book is consistent with the account in the payment platform reconciliation distributed account book, if so, a transaction account consistent report is generated, and if not, a transaction account inconsistent report is generated. In the account checking process, based on the blockchain technology, the integrity and consistency of transaction data are verified by utilizing the transaction record hash value.
As shown in fig. 6, which is a schematic structural diagram of a tie-out system based on a blockchain disclosed in embodiment 3 of the present application, the system may include:
the first recording module 601 is configured to count each transaction record of a bank into a block chain, so as to form a bank reconciliation distributed account book based on the block chain;
when account checking is needed, each transaction record generated by the bank is recorded into the block chain, wherein the transaction record of the bank comprises: order number, order amount, transaction status, return amount, processing result, transaction record hash value, etc. And (4) recording the transaction records into a block chain, namely packaging the accounts of the bank into blocks, recording the accounts in the block chain based on a consensus mechanism, and storing the accounts in all the accounting nodes in a distributed manner to form the bank account checking distributed account book based on the block chain.
The second recording module 602 is configured to count each transaction flow record of the payment platform into a block chain, so as to form a payment platform reconciliation distributed account book based on the block chain;
meanwhile, each transaction flow record generated by the payment platform is counted into the block chain, wherein the payment platform can comprise: third party payment platforms (such as WeChat, Payment treasures, E-treasures, etc.), electric power payment APP, shopping mall sales systems, etc. And (4) accounting the transaction flow records into a block chain, namely packaging accounts of the payment platform into blocks, recording the accounts in the block chain based on a consensus mechanism, and storing the accounts in each accounting node in a distributed manner to form a payment platform account checking distributed account book based on the block chain.
The connection module 603 is configured to connect a node of a block chain for recording each transaction record of a bank and a node for recording each transaction flow record of a payment platform, so as to form an alliance chain;
and connecting the nodes of each participating unit of the block chain to form a union chain. For example, a federation chain is formed by connecting a node for recording a blockchain of each transaction record of a bank and a node for recording a streamline record of each transaction of a payment platform, so that a blockchain-based bank reconciliation distributed ledger and a blockchain-based payment platform reconciliation distributed ledger can be shared.
The judging module 604 is configured to judge whether the recording time of the account in the bank reconciliation distributed account book and/or the recording time of the account in the payment platform reconciliation distributed account book exceeds a preset time length;
in addition, the recording time of the accounts in the bank reconciliation distributed account book and/or the recording time of the accounts in the payment platform reconciliation distributed account book can be further judged whether to exceed the preset time length, namely whether the accounts exceed the reconciliation deadline is judged, and when the reconciliation deadline is exceeded, the early warning information is generated.
The generating module 605 is configured to generate the warning information when the recording time of the account in the bank reconciliation distributed account book and/or the recording time of the account in the payment platform reconciliation distributed account book exceeds a preset time length.
A first judging unit 606, configured to judge whether a hash value of an account in the bank reconciliation distributed account book is consistent with a hash value of an account in the payment platform reconciliation distributed account book;
each account has a corresponding hash value, has uniqueness, and is identification information. Therefore, in the account checking process, whether the hash value of the account in the bank account checking distributed account book is consistent with the hash value of the account in the payment platform account checking distributed account book is firstly compared, and the consistency check of the account is carried out only when the hash values are consistent.
The second determination unit 607 is configured to determine whether an important field of an account record in the bank reconciliation distributed account book is consistent with a corresponding field of an account record in the payment platform reconciliation distributed account book when the hash value of the account in the bank reconciliation distributed account book is consistent with the hash value of the account in the payment platform reconciliation distributed account book;
when the hash value of the account in the bank reconciliation distributed account book is consistent with the hash value of the account in the payment platform reconciliation distributed account book, the information such as order number, order amount, transaction state, return amount, processing result and the like is further checked according to rules based on the intelligent contract. Whether the important fields of the account records in the bank reconciliation distributed account book are consistent with the corresponding fields of the account records in the payment platform reconciliation distributed account book or not is checked, when the important fields of the account records in the bank reconciliation distributed account book are consistent with the corresponding fields of the account records in the payment platform reconciliation distributed account book, a transaction account consistent report is generated, and when the important fields of the account records in the bank reconciliation distributed account book are inconsistent with the corresponding fields of the account records in the payment platform reconciliation distributed account book, a transaction account inconsistent report is generated.
The generating unit 608 is configured to generate a transaction account consistent report when the account in the bank reconciliation distributed account book is consistent with the account in the payment platform reconciliation distributed account book, or generate a transaction account inconsistent report when the account in the bank reconciliation distributed account book is inconsistent with the account in the payment platform reconciliation distributed account book.
In summary, in this embodiment, on the basis of embodiment 1 and embodiment 2, the reconciliation is further performed by determining whether an important field of an account record in the bank reconciliation distributed account book is consistent with a corresponding field of an account record in the payment platform reconciliation distributed account book, and meanwhile, further determining whether the recording time of the account in the bank reconciliation distributed account book and/or the recording time of the account in the payment platform reconciliation distributed account book exceeds a preset time length, and when the recording time exceeds the preset time length, generating the warning information. In the account checking process, based on the blockchain technology, the integrity and consistency of transaction data are verified by utilizing the transaction record hash value.
The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.