CN115082234A - In-system reconciliation method and system based on cash in and out mark - Google Patents
In-system reconciliation method and system based on cash in and out mark Download PDFInfo
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Abstract
The invention relates to an in-system reconciliation method and system based on cash in and out marks, which are suitable for a combined transaction scene, and the method comprises the following steps: dividing the main trading order into various sub trading orders according to the capital flow direction; respectively setting corresponding deposit identification and deposit outlet identification aiming at different fund flow directions according to the established deposit and deposit outlet recording rule; accumulating the sub-transaction order amount corresponding to the deposit identification according to the established deposit and withdrawal calculation rule, and accumulating the sub-transaction order amount corresponding to the withdrawal identification; and checking the sum of the deposit identification amount, the sum of the withdrawal identification amount and the main transaction order amount. According to the method, different cash deposit and withdrawal rules are recorded according to different scenes, and standard reconciliation only needs to be carried out on reconciliation logic in the system according to cash deposit and withdrawal calculation specifications, so that the condition that different reconciliation logics need to be compiled under different scenes is avoided, the development cost is reduced, and the risk of account inconsistency is effectively prevented.
Description
Technical Field
The invention relates to the technical field of computers, in particular to an in-system reconciliation method and system based on cash in and out marks.
Background
Because the combined transaction scenario has certain complexity, different combined transaction scenarios have different dynamic account logics, different dynamic account items and different transaction rules. In order to ensure the transaction consistency of the current combined transaction, a set of customized reconciliation logic of main and sub orders needs to be written for different combined transaction scenarios. However, the method has the defects that the development logic is complex, complex and variable combined transaction scenes cannot be adapted, customized reconciliation logic fails when the combined transaction rule is changed, and the problem can be timely found when the accounts of the main and sub orders are inconsistent by synchronously changing the reconciliation logic, so that the complexity of the whole development and the coupling degree of the system are increased.
Disclosure of Invention
In order to solve the defects of the prior art, the invention provides an account checking method and system in a system based on cash in and out marks, and the account checking method in the system between one order and a plurality of dynamic account funds in the system is proposed.
In order to achieve the above purpose, the technical scheme adopted by the invention comprises the following steps:
the invention discloses a check-out method in a system based on cash in and out marks, which is suitable for a combined transaction scene and comprises the following steps:
dividing the main trading order into various sub trading orders according to the capital flow direction;
respectively setting corresponding deposit identification and deposit outlet identification aiming at different fund flow directions according to the established deposit and deposit outlet recording rule;
accumulating the sub-transaction order amount corresponding to the deposit identification according to the established deposit and withdrawal calculation rule, and accumulating the sub-transaction order amount corresponding to the withdrawal identification; and checking the sum of the deposit identification amount, the sum of the withdrawal identification amount and the main transaction order amount.
Further, the main transaction order information includes a main transaction order number, a transaction date, a transaction type, a transaction amount, an order status, and a merchant number.
Further, the sub-transaction order information comprises a sub-transaction order number, a deduction type, a deduction amount, a fund state and a fund flow direction.
Further, the fund flow comprises pure account balance to settlement account, settlement account to pure account balance, discount account to settlement account, settlement account to discount account, cash bank card account to balance transfer, cash bank account to balance transfer, balance transfer to settlement account, settlement account to balance transfer, finance account to balance, balance transfer to finance account, balance transfer to balance, balance transfer to account balance.
Further, the setting of the deposit identifier and the withdrawal identifier comprises: -1-default value; 0-do not fund check; 1-check funds.
Further, when the fund is from the balance of the pure account to the settlement account, the deposit identifier is set to 1, and the withdrawal identifier is set to 1; when the fund is from the balance of the settlement account to the pure account, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 1; when the fund is transferred from the discount fund account to the settlement account, the deposit identifier is set to be 1, and the cash-out identifier is set to be 1; when the fund is from the settlement account to the discount fund account, the deposit identifier is set to be 1, and the cash-out identifier is set to be 1; when the fund is transferred from the card account of other bank to the balance of the account, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 0; when the fund is transferred from the account balance to the card account of other bank, the deposit identifier is set to be 0, and the withdrawal identifier is set to be 1; when the fund is transferred from the account balance to the settlement account, the deposit identifier is set to be 0, and the withdrawal identifier is set to be 1; when the fund is transferred from the settlement account to the account balance, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 0; when the fund is from the account of the financial wallet to the balance of the account, the deposit identifier is set to be 1, and the cash-out identifier is set to be 0; when the fund is from the account balance to the money management wallet account, the deposit identifier is set to be 0, and the cash-out identifier is set to be 1; when the fund is from the account balance to the settlement account, the deposit identifier is set to be 0, and the withdrawal identifier is set to be 1; when the fund is from the settlement account to the account balance, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 0; when the fund is transferred from the account balance to the account balance, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 0; when the fund is transferred from the account balance to the account balance, the deposit identifier is set to 0, and the withdrawal identifier is set to 1.
Further, the status setting of the main trade order comprises initialization, success, failure, processing, cancellation and correction; the fund state setting of the sub-transaction order comprises initialization, success, failure, processing, revocation and correction;
when the state of the main transaction order is the final state, checking account;
if the state of the main transaction order is initialized or in processing, entering an error table;
if the main trading order state is successful, accumulating the sub trading order amount with the deposit identifier of 1 and the fund state of success as B, accumulating the sub trading order amount with the deposit identifier of 1 and the fund state of success as C, respectively checking with the main trading order amount A, if A is B or C, checking successfully, otherwise entering an error table;
if the main trade order state is failure or cancellation, accumulating the sub-trade order amounts with deposit identification 1 and successful fund state into B, accumulating the sub-trade order amounts with deposit identification 1 and successful fund state into C, and if B is C, checking successfully, otherwise entering an error table;
and if the main transaction order state is positive, accumulating the sub-transaction order amounts with the deposit identifier of 1 and the fund state of success to form B, accumulating the sub-transaction order amounts with the deposit identifier of 1 and the fund state of success to form C, respectively checking with the main transaction order amount A, if 2A is B or C, checking successfully, and otherwise entering an error table.
The invention discloses a check-out system in a system based on cash in and out marks in a second aspect, which is suitable for a combined transaction scene and comprises the following components:
the statistical module is used for dividing the main trading order into each sub trading order according to the capital flow direction;
the processing module is used for respectively setting corresponding deposit identification and deposit outlet identification aiming at different fund flow directions according to the established deposit outlet and deposit outlet recording rule;
the checking module is used for accumulating the sub-transaction order amount corresponding to the deposit identification according to the established deposit and withdrawal calculation rule and checking the deposit identification amount with the main transaction order amount; and checking the sum of the deposit identification amount, the sum of the withdrawal identification amount and the main transaction order amount.
A third aspect of the invention discloses a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the method described above.
The fourth aspect of the invention discloses an electronic device, comprising a processor and a memory;
the memory is used for storing operation instructions;
the processor is used for executing the method by calling the operation instruction.
The invention has the beneficial effects that:
the in-system reconciliation method and system based on the cash in and out mark are suitable for a combined transaction scene, simplify complex problems by disassembling complex logics, changing encapsulation and the like, and standardize transaction consistency check rules. The invention respectively sets corresponding deposit identification and deposit identification aiming at different fund flow directions according to the established deposit and withdrawal record rule, respectively accumulates the sub-transaction order amount corresponding to the deposit and withdrawal identification by combining the established deposit and withdrawal calculation rule, and checks by combining the main transaction order amount to finish account checking. Based on the account checking scheme in the system under the combined transaction scene, marking of the deposit and withdrawal rules can be realized by the scene end, standardized rule registration is carried out, different deposit rules and deposit withdrawal rules are recorded in different scenes, and the account checking logic in the system only needs to carry out standard account checking according to the deposit and withdrawal calculation specification, so that the condition that different account checking logics need to be compiled in different scenes is avoided, the development cost is greatly reduced, and the risk of inconsistent accounts is effectively prevented.
Drawings
Fig. 1 is a schematic flow chart of a method for checking account in a system based on an income/income statement mark according to an embodiment of the present invention.
Fig. 2 is a schematic structural diagram of a system for checking account in a system based on an income/income statement mark according to an embodiment of the present invention.
Detailed Description
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, 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 invention.
It should be noted that the terms "first," "second," and the like in the description and claims of the present invention and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
The invention relates to a check-out method in a system based on cash in and out marks, which has a step flow shown in figure 1, is suitable for a combined transaction scene, and specifically comprises the following steps:
step S1, dividing the main trading order into each sub trading order according to the capital flow direction;
step S2, setting corresponding deposit identification and deposit outlet identification according to the established deposit outlet record rule and different fund flow directions;
step S3, accumulating the sub-transaction order amount corresponding to the deposit identification according to the established deposit and withdrawal calculation rule, and checking the deposit identification amount with the main transaction order amount; and checking the sum of the deposit identification amount, the sum of the withdrawal identification amount and the main transaction order amount.
The main transaction order information preferably includes a main transaction order number, a transaction date, a transaction type, a transaction amount, an order state and a merchant number.
The sub-transaction order information preferably comprises a sub-transaction order number, a deduction type, a deduction amount, a fund state and a fund flow direction.
In this embodiment, the fund flow preferably includes transferring a user's pure account balance to a settlement account, transferring a settlement account to a user's pure account balance, transferring a user's discount account to a settlement account, transferring a settlement account to a user's discount account, transferring a user's bank card account to a user's account balance, transferring a user's account balance to a user's bank card account, transferring a settlement account to a settlement account from a user's account balance, transferring a user's financial wallet account to a user's account balance, transferring a user's account balance to a user's financial wallet account, transferring a user's account balance to a settlement account, transferring a user's account balance to a user's account balance, and transferring a user's account balance to a user's account balance.
In this embodiment, the setting of the deposit identifier and the withdrawal identifier preferably includes: -1-default value; 0-do not fund check; 1-check funds.
Preferably, when the fund is from the balance of the pure account to the settlement account, the deposit identifier is set to 1, and the withdrawal identifier is set to 1; when the fund is from the balance of the settlement account to the pure account, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 1; when the fund is from the discount fund account to the settlement account, the deposit identifier is set to be 1, and the cash-out identifier is set to be 1; when the fund is from the settlement account to the discount fund account, the deposit identifier is set to be 1, and the cash-out identifier is set to be 1; when the fund is transferred from the card account of other bank to the balance of the account, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 0; when the fund is transferred from the account balance to the card account of other bank, the deposit identifier is set to be 0, and the withdrawal identifier is set to be 1; when the fund is transferred from the account balance to the settlement account, the deposit identifier is set to be 0, and the withdrawal identifier is set to be 1; when the fund is transferred from the settlement account to the account balance, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 0; when the fund is from the account of the financial wallet to the balance of the account, the deposit identifier is set to be 1, and the cash-out identifier is set to be 0; when the fund is from the account balance to the money management wallet account, the deposit identifier is set to be 0, and the cash-out identifier is set to be 1; when the fund is transferred from the account balance to the settlement account, the deposit identifier is set to be 0, and the withdrawal identifier is set to be 1; when the fund is from the settlement account to the account balance, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 0; when the fund is transferred from the account balance to the account balance, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 0; when the fund is transferred from the account balance to the account balance, the deposit identifier is set to 0, and the withdrawal identifier is set to 1.
By defining the deposit identification and the withdrawal identification under different account-moving scenes, the deposit identification and the withdrawal identification are recorded into a fund table according to different types when transaction is carried out, and account checking logic in the system can carry out transaction consistency check on main and sub orders according to the deposit identification and the withdrawal identification.
Preferably, in this embodiment, the status of the main trade order is set to initialization, success, failure, processing, revocation and correction; the fund state of the sub-transaction order is set as initialization, success, failure, processing, revocation and correction;
when the state of the main transaction order is the final state, checking account;
specifically, account checking between systems is firstly completed with a downstream system in a day of T +1, then account checking inside the system is performed, and the account checking mode has certain delay in the aspect of processing financial consistency; the method can also be converted into T +0 day quasi-real-time account checking, namely, the order state of the downstream system is pulled in real time after the order has the final state to be checked with the downstream system in real time, and then the internal account checking of the system is carried out.
If the state of the main transaction order is initialized or in processing, entering an error table;
if the main trading order state is successful, accumulating the sub trading order amount with the deposit identifier of 1 and the fund state of success as B, accumulating the sub trading order amount with the deposit identifier of 1 and the fund state of success as C, respectively checking with the main trading order amount A, if A is B or C, checking successfully, otherwise entering an error table;
specifically, the calculation formula is as follows:
sum of order
Fund 1 successful state transaction amount + fund 2 successful state transaction amount + deposit identifier … …;
c is the fund 1 successful status transaction amount and the gold token + fund 2 successful status transaction amount and the gold token … ….
If the main transaction order state is failure or revocation, accumulating the sub-transaction order amount with deposit identification of 1 and successful fund state as B, accumulating the sub-transaction order amount with deposit identification of 1 and successful fund state as C, if B is C, the proofreading is successful, otherwise, entering an error table;
specifically, the calculation formula is as follows:
fund 1 successful state transaction amount + fund 2 successful state transaction amount + deposit identifier … …;
c is the fund 1 successful status transaction amount and the gold token + fund 2 successful status transaction amount and the gold token … ….
And if the main transaction order state is positive, accumulating the sub-transaction order amounts with the deposit identifier of 1 and the fund state of success to form B, accumulating the sub-transaction order amounts with the deposit identifier of 1 and the fund state of success to form C, respectively checking with the main transaction order amount A, if 2A is B or C, checking successfully, and otherwise entering an error table.
A transaction in the forward state, i.e. the order or fund state is forward, actually a successful forward transaction and a successful reverse transaction occur.
Specifically, the calculation formula is as follows:
b ═ fund 1 successful state transaction amount + fund 2 reversal state transaction amount (deposit identifier + withdrawal identifier) … …;
c ═ amount of successful state transaction of fund 1 + amount of positive state transaction of fund 2 (deposit token + deposit token) … ….
The in-system reconciliation method based on the cash in and out mark is suitable for a combined transaction scene, simplifies complex problems by disassembling complex logics, changing encapsulation and the like, and standardizes transaction consistency check rules. The invention respectively sets corresponding deposit identification and deposit identification aiming at different fund flow directions according to the established deposit and withdrawal record rule, respectively accumulates the sub-transaction order amount corresponding to the deposit and withdrawal identification by combining the established deposit and withdrawal calculation rule, and checks by combining the main transaction order amount to finish account checking. Based on the account checking scheme in the system under the combined transaction scene, marking of the deposit and withdrawal rules can be realized by the scene end, standardized rule registration is carried out, different deposit rules and deposit withdrawal rules are recorded in different scenes, and the account checking logic in the system only needs to carry out standard account checking according to the deposit and withdrawal calculation specification, so that the condition that different account checking logics need to be compiled in different scenes is avoided, the development cost is greatly reduced, and the risk of inconsistent account checking outside expectation is effectively prevented.
The present invention is explained by the following embodiments of the above-mentioned in-system reconciliation method based on the cash-in and cash-out mark.
For a consumption transaction, a user may have a plurality of payment sub-items when making payment, for example, the user needs to pay 100 yuan for purchasing a commodity, the 100 yuan may have a combined consumption condition that 20 yuan is paid by a balance, 50 yuan is paid by a financial purse, 10 yuan is paid by a discount, and 20 yuan is paid by a card. For such a scenario, the following recording method is adopted when recording the database:
1. consumption scene:
table 1 Consumer Master transaction order Table
| Order number | Date of transaction | Type of transaction | Amount of transaction | Order status | Merchant number |
| T001 | 20220522 | Consumption of | 100.00 | Successful | B10001 |
Table 2 Consumer sub-trade order funds table
2. Refund scenario:
table 3 refund main transaction order table
| Order numbering | Date of transaction | Type of transaction | Amount of transaction | Order status | Merchant number |
| T001 | 20220522 | Refund | 100.00 | Successful | B10001 |
TABLE 4 refund Main trade order fund table
For the consumption scenes of the table 1 and the table 2, the amount of money of the appointed deduction type can be collected for reconciliation by counting the appointed deduction type.
However, for the refund scenarios in tables 3 and 4, since the fund has the requirement of returning from the original way, that is, the user adopts the money-managing wallet payment when deducting money, the fund needs to be returned to the user's money-managing wallet account when requiring refund, and the user adopts the money-deducting way of his bank card when deducting money, that is, the fund needs to be returned to the user's other bank card account when refunding money. For the refund scenario, it may be found that refunding the user balance is successful at refund, but fails at making a financial wallet subscription. If the account is checked by the designated deduction type, the account is considered to be free of problems in the scene. However, the refund transaction is incomplete because the refund does not satisfy the requirement of the original road refund of financing and repurchasing the refund amount. To solve this problem, the present invention therefore proposes a reconciliation method in a system based on cash in and out markings in a combined payment scenario.
By adopting the in-system reconciliation method based on the cash flow mark of the embodiment, the fund flow direction mark is as follows:
table 5 refund main transaction order funds identification table
At this time, calculation is performed according to the deposit identifier, the withdrawal identifier and the fund state in the table 5, if the deposit identifier is 1 and the fund state is successful, the deposit amount is recorded, and if the withdrawal identifier is 1 and the fund state is successful, the withdrawal amount is recorded. As can be seen from table 5 above, the main transaction order status is successful, the sum of money accumulation B with deposit flag being 1 and fund status being successful is 100, the sum of money accumulation C with deposit flag being 1 and fund status being successful is 50, the total consumption amount a of the order is 100, and under the condition that the order is successful and a ═ B ≠ C, the proofreading is failed, the error table is entered, and the manual processing is performed.
Another aspect of the present invention also relates to an in-system reconciliation system based on the cash deposit and withdrawal mark, the structure of which is shown in fig. 2, comprising:
the statistical module is used for dividing the main trading order into each sub trading order according to the capital flow direction;
the processing module is used for respectively setting corresponding deposit identification and deposit outlet identification aiming at different fund flow directions according to the established deposit outlet and deposit outlet recording rule;
the checking module is used for accumulating the sub-transaction order amount corresponding to the deposit identification according to the established deposit and withdrawal calculation rule and checking the deposit identification amount with the main transaction order amount; and checking the sum of the deposit identification amount, the sum of the withdrawal identification amount and the main transaction order amount.
By using the system, the above-described method can be performed and the corresponding technical effects can be achieved.
The method and the system shown in the embodiment are already deployed and implemented in a combined account system of a Baixin bank, account reconciliation with accounting consistency is already carried out on multiple scenes such as a cash register, sequential deduction, point consumption, financial institution combined cash-up, credit consumption and the like, about more than 300 ten thousand accounts are realized in the system every day, and account reconciliation with accounting consistency in the system can be realized without changing the existing account reconciliation rules along with the addition of a new transaction scene. In addition, the method saves a large amount of personnel specially developing the reconciliation system, the workload of 24 people per month is saved every year, and the labor cost is saved by 100 ten thousand per year.
Embodiments of the present invention also provide a computer-readable storage medium capable of implementing all the steps of the method in the above embodiments, the computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements all the steps of the method in the above embodiments.
The embodiment of the present invention further provides an electronic device for executing the method, as an implementation apparatus of the method, the electronic device at least has a processor and a memory, and particularly, the memory stores data required for executing the method and related computer programs, and the processor calls the data and the programs in the memory to execute all steps of the implementation method, and obtains corresponding technical effects.
Preferably, the electronic device may comprise a bus architecture, which may include any number of interconnected buses and bridges linking together various circuits including one or more processors and memory. The bus may also link various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. A bus interface provides an interface between the bus and the receiver and transmitter. The receiver and transmitter may be the same element, i.e., a transceiver, providing a means for communicating with various other systems over a transmission medium. The processor is responsible for managing the bus and general processing, while the memory may be used for storing data used by the processor in performing operations.
Additionally, the electronic device may further include a communication module, an input unit, an audio processor, a display, a power supply, and the like. The processor (or controller, operational controls) employed may include a microprocessor or other processor device and/or logic device that receives input and controls the operation of various components of the electronic device; the memory may be one or more of a buffer, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices, and may store the above-mentioned related data information, and may also store a program for executing the related information, and the processor may execute the program stored in the memory to realize information storage or processing, etc.; the input unit is used for providing input to the processor, and can be a key or a touch input device; the power supply is used for supplying power to the electronic equipment; the display is used for displaying display objects such as images and characters, and may be an LCD display, for example. The communication module is a transmitter/receiver that transmits and receives signals via an antenna. The communication module (transmitter/receiver) is coupled to the processor to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal. Based on different communication technologies, a plurality of communication modules, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be disposed in the same electronic device. The communication module (transmitter/receiver) is also coupled to a speaker and a microphone via an audio processor to provide audio output via the speaker and receive audio input from the microphone to implement the usual telecommunication functions. The audio processor may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor is also coupled to the central processor, so that recording on the local machine can be performed through the microphone, and sound stored on the local machine can be played through the loudspeaker.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a system for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction system which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks. While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. An in-system reconciliation method based on cash in and out marks is suitable for a combined transaction scene and is characterized by comprising the following steps:
dividing the main trading order into various sub trading orders according to the capital flow direction;
respectively setting corresponding deposit identification and deposit outlet identification aiming at different fund flow directions according to the established deposit and deposit outlet recording rule;
accumulating the sub-transaction order amount corresponding to the deposit identification according to the established deposit and withdrawal calculation rule, and accumulating the sub-transaction order amount corresponding to the withdrawal identification; and checking the sum of the deposit identification amount, the sum of the withdrawal identification amount and the main transaction order amount or checking the sum of the deposit identification amount and the withdrawal identification amount and the main transaction order amount.
2. The method of claim 1, wherein the primary trade order information includes a primary trade order number, a trade date, a trade type, a trade amount, an order status, a merchant number.
3. The method of claim 1, wherein the sub-trade order information comprises a sub-trade order number, a debit type, a debit amount, a fund status, a fund flow direction.
4. The method of claim 1, wherein the flow of funds comprises a pure account balance to a settlement account, a settlement account to a pure account balance, a coupon account to a settlement account, a settlement account to a coupon account, an exclusive card account to account balance transfer, an account balance transfer to an exclusive card account, an account balance transfer to a settlement account, a settlement account to account balance transfer, a financing account to account balance, an account balance to financing account, an account balance to settlement account, a settlement account to account balance, an account balance to account balance transfer, an account balance transfer to account balance.
5. The method of claim 4, wherein the setting of the in-fund identifier and the out-fund identifier comprises: -1-default value; 0-do not fund check; 1-check funds.
6. The method of claim 5, wherein when funds are transferred from the pure account balance to the settlement account, the deposit flag is set to 1, the withdrawal flag is set to 1; when the fund is from the balance of the settlement account to the pure account, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 1; when the fund is from the discount fund account to the settlement account, the deposit identifier is set to be 1, and the cash-out identifier is set to be 1; when the fund is from the settlement account to the discount fund account, the deposit identifier is set to be 1, and the cash-out identifier is set to be 1; when the fund is transferred from the card account of other bank to the balance of the account, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 0; when the fund is transferred from the account balance to the card account of other bank, the deposit identifier is set to be 0, and the withdrawal identifier is set to be 1; when the fund is transferred from the account balance to the settlement account, the deposit identifier is set to be 0, and the withdrawal identifier is set to be 1; when the fund is transferred from the settlement account to the account balance, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 0; when the fund is from the account of the financial wallet to the balance of the account, the deposit identifier is set to be 1, and the cash-out identifier is set to be 0; when the fund is from the account balance to the money management wallet account, the deposit identifier is set to be 0, and the cash-out identifier is set to be 1; when the fund is from the account balance to the settlement account, the deposit identifier is set to be 0, and the withdrawal identifier is set to be 1; when the fund is from the settlement account to the account balance, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 0; when the fund is transferred from the account balance to the account balance, the deposit identifier is set to be 1, and the withdrawal identifier is set to be 0; when the fund is transferred from the account balance to the account balance, the deposit identifier is set to 0, and the withdrawal identifier is set to 1.
7. The method of any of claims 1 to 6, wherein the status settings of the primary trade order include initialization, success, failure, in-process, reversal; the fund state setting of the sub-transaction order comprises initialization, success, failure, processing, revocation and correction;
when the state of the main transaction order is the final state, checking account;
if the state of the main transaction order is initialized or in processing, entering an error table;
if the main trading order state is successful, accumulating the sub trading order amount with the deposit identifier of 1 and the fund state of success as B, accumulating the sub trading order amount with the deposit identifier of 1 and the fund state of success as C, respectively checking with the main trading order amount A, if A is B or C, checking successfully, otherwise entering an error table;
if the main transaction order state is failure or revocation, accumulating the sub-transaction order amount with deposit identification of 1 and successful fund state as B, accumulating the sub-transaction order amount with deposit identification of 1 and successful fund state as C, and if B is C, the proofreading is successful, otherwise entering an error table;
and if the main transaction order state is positive, accumulating the sub-transaction order amounts with the deposit identifier of 1 and the fund state of success to form B, accumulating the sub-transaction order amounts with the deposit identifier of 1 and the fund state of success to form C, respectively checking with the main transaction order amount A, if 2A is B or C, checking successfully, and otherwise entering an error table.
8. An in-system reconciliation system based on cash in and out marks, which is suitable for a combined transaction scene, is characterized by comprising:
the statistical module is used for dividing the main trading order into each sub trading order according to the capital flow direction;
the processing module is used for respectively setting corresponding deposit identification and deposit outlet identification aiming at different fund flow directions according to the established deposit outlet and deposit outlet recording rule;
the checking module is used for accumulating the sub-transaction order amount corresponding to the deposit identification according to the established deposit and withdrawal calculation rule and checking the deposit identification amount with the main transaction order amount; and checking the sum of the deposit identification amount, the sum of the withdrawal identification amount and the main transaction order amount.
9. A computer-readable storage medium, characterized in that the storage medium has stored thereon a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 7.
10. An electronic device comprising a processor and a memory;
the memory is used for storing operation instructions;
the processor is used for executing the method of any one of claims 1 to 7 by calling the operation instruction.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN115689793A (en) * | 2023-01-05 | 2023-02-03 | 翌飞锐特电子商务(北京)有限公司 | Interactive account checking method based on calculation model |
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