CN113947397A - Account checking method, system, storage medium and terminal of unified mobile payment platform - Google Patents
Account checking method, system, storage medium and terminal of unified mobile payment platform Download PDFInfo
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Abstract
The invention provides a reconciliation method, a reconciliation system, a storage medium and a terminal of a unified mobile payment platform, which comprise the following steps: acquiring bill data and transaction flow data corresponding to each payment order in a preset time interval, wherein the bill data and the transaction flow data both comprise reconciliation identification information corresponding to the payment order; sorting the transaction flow data by adopting a quick sorting algorithm; for each bill data, searching the transaction flow data matched with the reconciliation identification information in the sequenced transaction flow data by adopting a binary search algorithm; if the search is successful, marking the matched transaction flow data as the account checking success; otherwise, marking the bill data as an abnormal bill; and traversing the transaction flow data, and marking the transaction flow data which is not marked as successful account checking as an abnormal bill. The account checking method, the account checking system, the storage medium and the terminal of the unified mobile payment platform can realize the quick account checking of the unified mobile payment platform, greatly reduce the time complexity of the account checking process and do not increase the space complexity.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a reconciliation method, a reconciliation system, a storage medium and a terminal of a unified mobile payment platform.
Background
In recent years, campus mobile payment modes represented by WeChat/Payment electronic campus cards, virtual campus card APP, aggregated payment, unified mobile payment platforms and the like are rapidly developed, and a mobile payment enabling tool is provided for smart campus personalized services. For example, the article "service-oriented intelligent campus unified mobile payment platform scheme", luguiqin, liu bo, xu weisheng, modern education technology, 2020, 30(9):87-94 exemplifies "campus wallet" of college university, and proposes a college unified mobile payment platform, which can provide a unified entrance for users, and is communicated with all mobile payment channels, covering all online payment scenarios.
In order to ensure the safe and stable operation of the unified mobile payment platform for the smart campus, the platform needs to automatically check the order data of all campus merchants and the transaction data of all payment channels. Aiming at a college uniform mobile payment platform and a reconciliation problem thereof, the invention patent 'a novel college electronic payment platform system' with application number of 201810703371.4 in China provides a college electronic payment platform system, which comprises a WeChat payment end, a Paibao payment end, a campus card payment end, a UnionPay card payment end, a financial settlement end, a reconciliation platform server and the like, and can automatically balance and make a statement on the current transaction flow of the same day. Aiming at the problem of reconciliation of multiple payment channels, the Chinese patent of invention with application number 201810786376.8, namely Payment system based on multiple payment channels and reconciliation method thereof, provides a payment system and a reconciliation method, which comprises an acquisition module, an analysis module, a parameter configuration module, a timer configuration module, a comparison module and the like, and can be adapted to multiple payment channels and multiple bill file formats, wherein the comparison module is used for comparing and calculating and storing comparison results. Aiming at the problem of multi-merchant transaction running reconciliation, the Chinese invention patent 'a transaction running reconciliation method, a transaction running reconciliation system and related equipment' with application number of 202010811829.5 provides a transaction running reconciliation party, which respectively stores transaction running according to the field value of store identification by defining store identification, and simultaneously respectively stores bill data according to the store identification; during account checking, the bill data with the same portal shop identification field value and the transaction flow are matched one by one, so that the data matching times in the account checking process are greatly reduced, parallel calculation can be realized through the distributed deployment server, and the account checking efficiency is further improved.
Based on the prior related technology, the data integration and the adaptation of different file formats of a plurality of payment channels and a plurality of merchants in the college unified mobile payment platform can be solved, and the automatic account checking of the college unified mobile payment platform can be realized; and the account checking efficiency can be improved by a method of matching the bill data and the transaction water in groups according to stores. However, in comparing the billing data with the transaction flow data, the existing method is implemented by comparing each record in the two files. Assuming that the number of pieces of transaction flow data is n, the number of pieces of bill data is recorded as n + C, wherein C is the difference value between the number of pieces of bill data and the number of pieces of transaction flow data. Then, the number of times that the existing reconciliation method needs to be compared in the worst case is n (n + C), and the complexity of the calculation time is O (n)2). When the number of the account checking records is large, the account checking efficiency and the user experience are influenced.
Disclosure of Invention
In view of the above drawbacks of the prior art, an object of the present invention is to provide a reconciliation method, a system, a storage medium, and a terminal for a unified mobile payment platform, which implement a fast reconciliation for the unified mobile payment platform based on a fast ranking algorithm and a binary search algorithm, thereby greatly reducing the time complexity of the reconciliation process without increasing the space complexity.
In order to achieve the above objects and other related objects, the present invention provides a reconciliation method for a unified mobile payment platform, comprising the following steps: acquiring bill data corresponding to each payment order in a preset time interval, wherein the bill data comprises reconciliation identification information corresponding to the payment order; acquiring transaction flow data corresponding to each payment order in the preset time interval, wherein the transaction flow comprises the reconciliation identification information; sorting the transaction flow data based on the reconciliation identification information; for each bill data, searching the transaction flow data matched with the account checking identification information in the sequenced transaction flow data; if the search is successful, marking the matched transaction flow data as the account checking success; if the bill data is not searched successfully, the bill data is marked as an abnormal bill; and traversing the transaction flow data, and marking the transaction flow data which is not marked as successful account checking as an abnormal bill.
In an embodiment of the present invention, a fast sorting algorithm is used to sort the transaction flow data.
In an embodiment of the present invention, a binary search algorithm is adopted to search the transaction flow data matched with the reconciliation identification information in the sorted transaction flow data.
In an embodiment of the present invention, the method further includes setting a reconciliation flag bit for the transaction flow data; when the account checking mark bit is a first preset value, indicating that the account checking is successful; and when the reconciliation marking bit is a second preset value, indicating that the reconciliation is not successful.
The invention provides a reconciliation system of a unified mobile payment platform, which comprises a first acquisition module, a second acquisition module, a sequencing module and a search reconciliation module, wherein the first acquisition module is used for acquiring a first account number;
the first acquisition module is used for acquiring bill data corresponding to each payment order in a preset time interval, and the bill data comprises reconciliation identification information corresponding to the payment order;
the second obtaining module is used for obtaining transaction flow data corresponding to each payment order in the preset time interval, and the transaction flow comprises the reconciliation identification information;
the sorting module is used for sorting the transaction flow data based on the account checking identification information;
the search reconciliation module is used for searching the transaction running data matched with the reconciliation identification information in the sequenced transaction running data for each bill data; if the search is successful, marking the matched transaction flow data as the account checking success; if the bill data is not searched successfully, the bill data is marked as an abnormal bill; and traversing the transaction flow data, and marking the transaction flow data which is not marked as successful account checking as an abnormal bill.
In an embodiment of the present invention, the sorting module sorts the transaction flow data by using a fast sorting algorithm.
In an embodiment of the present invention, the search reconciliation module uses a binary search algorithm to search the transaction flow data matched with the reconciliation identification information in the sorted transaction flow data.
In an embodiment of the present invention, the search reconciliation module is further configured to set a reconciliation flag bit for the transaction flow data; when the account checking mark bit is a first preset value, indicating that the account checking is successful; and when the reconciliation marking bit is a second preset value, indicating that the reconciliation is not successful.
The present invention provides a storage medium having stored thereon a computer program which, when executed by a processor, implements the reconciliation method for a unified mobile payment platform as described above.
The invention provides a reconciliation terminal of a unified mobile payment platform, which comprises: a processor and a memory;
the memory is used for storing a computer program;
the processor is used for executing the computer program stored in the memory so as to enable the account checking terminal of the unified mobile payment platform to execute the account checking method of the unified mobile payment platform.
As described above, the reconciliation method, system, storage medium and terminal of the unified mobile payment platform of the present invention have the following beneficial effects:
(1) based on a rapid sorting algorithm and a binary search algorithm, automatic account checking of bill data of each merchant and transaction flow of each transaction channel in a unified mobile payment platform such as a smart campus unified mobile payment platform is realized;
(2) comparing the number of times of the bill data and the transaction flow data from n2Down to n log n, the calculation time complexity of the whole account checking process is O (n log n), wherein n is the number of transaction running data, thereby greatly reducing the time complexity of the account checking process without increasing the space complexity;
(3) no additional memory or distributed computing servers need to be added.
Drawings
FIG. 1 is a flow diagram illustrating a reconciliation method for a unified mobile payment platform of the present invention in one embodiment;
FIG. 2 is a data flow diagram illustrating a reconciliation method for a unified mobile payment platform of the present invention in one embodiment;
FIG. 3 is a block diagram of a reconciliation method for a unified mobile payment platform according to an embodiment of the present invention;
FIG. 4 is a block diagram of a reconciliation system of a unified mobile payment platform of the present invention in one embodiment;
fig. 5 is a schematic structural diagram of an abnormal device termination based on federal learning according to an embodiment of the present invention.
Description of the element reference numerals
41 first acquisition module
42 second acquisition module
43 ordering module
44 search reconciliation module
51 processor
52 memory
Detailed Description
The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.
It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, and the components related to the present invention are only shown in the drawings rather than drawn according to the number, shape and size of the components in actual implementation, and the type, quantity and proportion of the components in actual implementation may be changed freely, and the layout of the components may be more complicated.
The account checking method, the system, the storage medium and the terminal of the unified mobile payment platform can be applied to the unified mobile payment platforms such as the unified mobile payment platform of the smart campus, and the quick account checking between multiple merchants and the multiple payment platforms on the unified mobile payment platform is realized based on the quick sorting algorithm and the binary search algorithm, so that the time complexity of the account checking process is greatly reduced, meanwhile, the space complexity is not increased, and the method has high practicability.
As shown in fig. 1 and fig. 2, in an embodiment, the reconciliation method of the unified mobile payment platform of the present invention includes the following steps:
step S1, obtaining bill data corresponding to each payment order in a preset time interval, wherein the bill data comprises reconciliation identification information corresponding to the payment order.
Specifically, in order to enable each record of merchant bill data and payment channel transaction flow data to be uniquely identified, when a merchant generates a piece of payment order data, a reconciliation ID is generated according to reconciliation identification information, such as a generation rule of the reconciliation ID, and is bound to the payment order data to form a piece of bill data. The reconciliation ID is required to ensure that all merchant-generated billing data can be uniquely identified by the reconciliation ID. For example, the tie-out ID may be a combination of date, merchant number, order number.
When checking account, first, a preset time interval, such as a starting time StartTime and an ending time EndTime of the checking account, needs to be acquired. The reconciliation terminal of the unified mobile payment platform acquires bill data corresponding to each payment order generated by each merchant in the preset time interval from the merchant and stores the bill data into a bill data set listOrderData.
Step S2, obtaining transaction flow data corresponding to each payment order within the preset time interval, where the transaction flow includes the reconciliation identification information.
Specifically, at each transaction, the merchant sends payment order request data containing the reconciliation ID to a payment channel; and after the requested order transaction is completed, the payment channel stores the transaction flow data containing the reconciliation ID as a record. The reconciliation terminal of the unified mobile payment platform acquires the transaction flow data corresponding to each payment order generated by each payment channel in the preset time interval from the payment channels and stores the transaction flow data into a transaction flow data set listBillData. Meanwhile, an account checking marking bit Flag is added to each transaction flow data in the transaction flow data set listBillData, and the Flag value is initialized to 0 to indicate that account checking is not successful. And when the Flag value is set to be 1, the reconciliation is successful.
Suppose the number of transaction flow data pieces of the transaction flow data set listBillData is n, and the number of bill data pieces of the bill data set listOrderData is n + C, where C is the difference between the number of bill data pieces and the number of transaction flow data pieces. Then, the time complexity of acquiring the bill data and the transaction pipeline data is O (n + n + C) ═ O (n).
And step S3, sorting the transaction flow data based on the account checking identification information.
Specifically, with the reconciliation identification information as an object, sorting the transaction flow data set listBillData by using a rapid sorting algorithm, and marking the sorted transaction flow data set as listBillDataSorted. Wherein, the time complexity of the quick sorting algorithm is O (nIogn).
The quick sorting method adopts a divide and conquer strategy, and the basic idea is to assume that the sorting of n objects is regarded as the sorting of n integers from 1 to n. Taking a proper keyword k from the database, dividing n objects to be sorted into two parts by taking k as a standard, wherein one part is larger than k, and the other part is smaller than k, then respectively and quickly sorting the two parts, and simply combining and connecting the two parts after finishing sorting. See in particular: computer algorithm guidance: design and analysis, second edition, pp 121-125, luck & de clarification, university press, 2002.
Step S4, for each bill data, searching the transaction flow data matched with the reconciliation identification information in the sequenced transaction flow data; if the search is successful, marking the matched transaction flow data as the account checking success; if the bill data is not searched successfully, the bill data is marked as an abnormal bill; and traversing the transaction flow data, and marking the transaction flow data which is not marked as successful account checking as an abnormal bill.
Specifically, for each piece of bill data Order of the bill data set listOrderData, a binary search algorithm is adopted according to a corresponding reconciliation ID, and a transaction flow record which is the same as the reconciliation ID is searched in the transaction flow data set listBillDataSorted. If the transaction running water record is found, the transaction running water record is marked as Bill, and the reconciliation Flag bit Flag of Bill in the transaction running water data set listBillDataSorted is set to be 1, which indicates that the reconciliation is successful. And if the search is not successful, writing the bill data Order into the listExceptionOrder of the abnormal Order. And finally, traversing the transaction flow data set listBillDataSorted, and if the reconciliation marking bit of the transaction flow data is 0, adding the transaction flow data to the listExceptionOrder of the abnormal order. The computational time complexity of this step is O (((n + C) × log n) + n) ═ O (n log n + C log n + n) ═ O (n log n).
Wherein, the dichotomy search also adopts a divide and conquer strategy. Is provided with a set of ordered numbers a1＜a2＜…＜anTo find out if x is in the sequence, the basic idea is to divide n elements in half, take
In comparison with x, the comparison is made,
means not exceeding
Is the largest integer of (a). If it is
Then if x is in the sequence, it must be in a subsequence
In, also if
Then x may be in
In, if
It is found once. See in particular: computer algorithm guidance: design and analysis, second edition, page 45, luck, university press, 2002.
Thus, the reconciliation method of the unified mobile payment platform of the present invention has a computational time complexity of O (n), O (n log n) in order, such that the overall computational time complexity is O (n + n log n + n log n) ═ O (n log n).
The reconciliation method of the unified mobile payment platform of the present invention is further described below by specific embodiments.
As shown in fig. 3, the embodiment is applied to a unified mobile payment platform for a smart campus.
When a campus merchant generates a payment order, if the first piece of order data of an energy center, generating a reconciliation ID according to a reconciliation ID generation rule: 20210115001001, forming billing data: "20210115001001, 50.", the campus merchant then sends the payment order containing the reconciliation ID as a request to a payment channel (one-network communication), and finally the payment channel takes the transaction running data containing the reconciliation ID as a record after the requested order transaction is completed: "20210115001001, 50." is stored.
When checking account, firstly, acquiring the starting time StartTime and the ending time EndTime of the account checking; billing data between StartTime and EndTime is then read from the various campus merchants and deposited into a billing data set listOrderData. In this example, 4 campus merchants are aggregated for a total of 8 billing data. And finally, reading the transaction running data between the StartTime and the EndTime from each payment channel, storing the transaction running data into a transaction running data set listBillData, adding a reconciliation Flag bit Flag in the transaction running data set listBillData, and setting Flag values of all transaction running water to be 0. A total of 9 transaction pipeline data, 3 payment channels, are involved in this example.
And taking the reconciliation ID as the sorting attribute of each piece of transaction flow data in the listBillData, and sorting by using a quick sorting method to obtain a sorted transaction flow data set listBillDataSorted.
Searching a transaction record which is the same as the reconciliation ID in a transaction flow data set listBillDataSorted by adopting a binary search algorithm according to the reconciliation ID of each piece of billing data Order of the reconciliation Bill data set listOrderData, and changing a reconciliation marking bit Flag of Bill in the transaction flow data set listBillDataSorted into 1 if the transaction record is found and is marked as Bill; if not, then add Order to the exception Order listExceptionOrder. As per bill data 1 for listOrderData: "20210115001001, 50.", the tie-out ID of which is 20210115001001, searching listBillDataSorted by using a binary search algorithm, finding the same transaction running record as the tie-out ID, and changing the tie-out Flag of the transaction running record to 1; for the 8 th bill data "20210115004008, 300." of listOrderData, searching listBillDataSorted using a binary search algorithm fails to find the same transaction flow record as the reconciliation ID, and therefore, the bill data "20210115004008, 300, …" is appended to the exception order listexceptinonorder. After completing the binary search for each piece of order data in listOrderData, traversing listBillDataSorted, finding the reconciliation Flag of the transaction flow "20210115002009, 500, …" and the transaction flow "20210115004010, 50, …" as 0, and adding the two transaction flows to the exception order listExceptionOrder, thereby completing the whole process of reconciliation. There are three records for exception order listexceptinonorder, which are: "20210115004008, 300, …", "20210115002009, 500, …", "20210115004010, 50, …".
As shown in fig. 4, in an embodiment, the reconciliation system of the unified mobile payment platform of the present invention includes a first obtaining module 41, a second obtaining module 42, a sorting module 43, and a search reconciliation module 44.
The first obtaining module 41 is configured to obtain bill data corresponding to each payment order within a preset time interval, where the bill data includes reconciliation identification information corresponding to the payment order.
The second obtaining module 42 is configured to obtain transaction flow data corresponding to each payment order within the preset time interval, where the transaction flow includes the reconciliation identification information.
The sorting module 43 is connected to the second obtaining module 42, and is configured to sort the transaction flow data based on the reconciliation identification information.
The search reconciliation module 44 is connected to the first obtaining module 41 and the sorting module 43, and is configured to, for each bill data, search transaction flow data matched with the reconciliation identification information in the sorted transaction flow data; if the search is successful, marking the matched transaction flow data as the account checking success; if the bill data is not searched successfully, the bill data is marked as an abnormal bill; and traversing the transaction flow data, and marking the transaction flow data which is not marked as successful account checking as an abnormal bill.
The structures and principles of the first obtaining module 41, the second obtaining module 42, the sorting module 43, and the search reconciliation module 44 correspond to the steps in the reconciliation method of the unified mobile payment platform one to one, and therefore, no further description is given here.
It should be noted that the division of the modules of the above apparatus is only a logical division, and the actual implementation may be wholly or partially integrated into one physical entity, or may be physically separated. And the modules can be realized in a form that all software is called by the processing element, or in a form that all the modules are realized in a form that all the modules are called by the processing element, or in a form that part of the modules are called by the hardware. For example: the x module can be a separately established processing element, and can also be integrated in a certain chip of the device. In addition, the x-module may be stored in the memory of the apparatus in the form of program codes, and may be called by a certain processing element of the apparatus to execute the functions of the x-module. Other modules are implemented similarly. All or part of the modules can be integrated together or can be independently realized. The processing element described herein may be an integrated circuit having signal processing capabilities. In implementation, each step of the above method or each module above may be implemented by an integrated logic circuit of hardware in a processor element or an instruction in the form of software. These above modules may be one or more integrated circuits configured to implement the above methods, such as: one or more Application Specific Integrated Circuits (ASICs), one or more microprocessors (DSPs), one or more Field Programmable Gate Arrays (FPGAs), and the like. When a module is implemented in the form of a Processing element scheduler code, the Processing element may be a general-purpose processor, such as a Central Processing Unit (CPU) or other processor capable of calling program code. These modules may be integrated together and implemented in the form of a System-on-a-chip (SOC).
The storage medium of the present invention has stored thereon a computer program that, when executed by a processor, implements the reconciliation method for the unified mobile payment platform described above. Preferably, the storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic disk, U-disk, memory card, or optical disk.
As shown in fig. 5, in an embodiment, the reconciliation terminal of the unified mobile payment platform of the present invention includes: a processor 51 and a memory 52.
The memory 52 is used for storing computer programs.
The memory 52 includes: various media that can store program codes, such as ROM, RAM, magnetic disk, U-disk, memory card, or optical disk.
The processor 51 is connected to the memory 52, and is configured to execute the computer program stored in the memory 52, so that the reconciliation terminal of the unified mobile payment platform executes the reconciliation method of the unified mobile payment platform.
Preferably, the Processor 51 may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; the Integrated Circuit may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, or discrete hardware components.
In summary, the reconciliation method, the system, the storage medium and the terminal of the unified mobile payment platform of the invention realize the automatic reconciliation of the bill data of each merchant and the transaction flow of each transaction channel in the unified mobile payment platform such as the smart campus unified mobile payment platform based on the rapid ordering algorithm and the binary search algorithm; comparing the number of times of the bill data and the transaction flow data from n2The calculation time complexity of the whole account checking process is O (n log n), wherein n is the number of transaction running data, so that the time complexity of the account checking process is greatly reduced, and the space complexity is not increased; no additional memory or distributed computing servers need to be added. Therefore, the invention effectively overcomes various defects in the prior art and has high industrial utilization value.
The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which can be made by those skilled in the art without departing from the spirit and technical spirit of the present invention be covered by the claims of the present invention.
Claims (10)
1. A reconciliation method of a unified mobile payment platform is characterized in that: the method comprises the following steps:
acquiring bill data corresponding to each payment order in a preset time interval, wherein the bill data comprises reconciliation identification information corresponding to the payment order;
acquiring transaction flow data corresponding to each payment order in the preset time interval, wherein the transaction flow comprises the reconciliation identification information;
sorting the transaction flow data based on the reconciliation identification information;
for each bill data, searching the transaction flow data matched with the account checking identification information in the sequenced transaction flow data; if the search is successful, marking the matched transaction flow data as the account checking success; if the bill data is not searched successfully, the bill data is marked as an abnormal bill; and traversing the transaction flow data, and marking the transaction flow data which is not marked as successful account checking as an abnormal bill.
2. The reconciliation method for the unified mobile payment platform of claim 1, wherein: and sequencing the transaction flow data by adopting a quick sequencing algorithm.
3. The reconciliation method for the unified mobile payment platform of claim 1, wherein: and searching the transaction flow data matched with the account checking identification information in the sorted transaction flow data by adopting a binary search algorithm.
4. The reconciliation method for the unified mobile payment platform of claim 1, wherein: setting a reconciliation marking position for the transaction flow data; when the account checking mark bit is a first preset value, indicating that the account checking is successful; and when the reconciliation marking bit is a second preset value, indicating that the reconciliation is not successful.
5. The utility model provides a unified mobile payment platform's reconciliation system which characterized in that: the system comprises a first acquisition module, a second acquisition module, a sorting module and a search reconciliation module;
the first acquisition module is used for acquiring bill data corresponding to each payment order in a preset time interval, and the bill data comprises reconciliation identification information corresponding to the payment order;
the second obtaining module is used for obtaining transaction flow data corresponding to each payment order in the preset time interval, and the transaction flow comprises the reconciliation identification information;
the sorting module is used for sorting the transaction flow data based on the account checking identification information;
the search reconciliation module is used for searching the transaction running data matched with the reconciliation identification information in the sequenced transaction running data for each bill data; if the search is successful, marking the matched transaction flow data as the account checking success; if the bill data is not searched successfully, the bill data is marked as an abnormal bill; and traversing the transaction flow data, and marking the transaction flow data which is not marked as successful account checking as an abnormal bill.
6. The reconciliation system for a unified mobile payment platform of claim 5, wherein: and the sequencing module is used for sequencing the transaction flow data by adopting a quick sequencing algorithm.
7. The reconciliation system for a unified mobile payment platform of claim 5, wherein: and the searching and reconciliation module searches the transaction flow data matched with the reconciliation identification information in the sequenced transaction flow data by adopting a binary searching algorithm.
8. The reconciliation system for a unified mobile payment platform of claim 5, wherein: the searching and reconciliation module is also used for setting a reconciliation marking position for the transaction flow data; when the account checking mark bit is a first preset value, indicating that the account checking is successful; and when the reconciliation marking bit is a second preset value, indicating that the reconciliation is not successful.
9. A storage medium having stored thereon a computer program, characterized in that the program, when executed by a processor, implements the reconciliation method for a unified mobile payment platform of any of claims 1 to 4.
10. The utility model provides a unified mobile payment platform's reconciliation terminal which characterized in that includes: a processor and a memory;
the memory is used for storing a computer program;
the processor is configured to execute the computer program stored in the memory to cause the reconciliation terminal of the unified mobile payment platform to perform the reconciliation method of the unified mobile payment platform of any of claims 1 to 4.
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