[0036] Example one
[0037] Please refer to figure 1 An embodiment of the present invention provides a method for reconciliation of a payment system based on multiple payment channels, which may include:
[0038] Step S1: Configure parameters for different types of payment channels, respectively, and generate corresponding reconciliation module configuration tables. The parameters include at least transmission mode, push time, and mapping relationship. The mapping relationship is the billing file format independently provided by the payment channel and The mapping relationship of the internal bill file format of the payment system.
[0039] Step S2: Configure timers for different types of payment channels according to the configuration table of the reconciliation module, and the configuration information of the timers includes the type of the payment channel and the time to obtain the bill.
[0040] Step S3: When the timer triggers the reconciliation process, according to the type of payment channel configured by the timer, obtain the connection parameters from the corresponding reconciliation module configuration table; use the obtained parameters to establish a connection with the payment channel, from The payment channel obtains the bill file.
[0041] Step S4: When a bill file is obtained from a payment channel, the mapping relationship corresponding to the payment channel is obtained, and the mapping relationship is the mapping relationship between the bill file format independently provided by the payment channel and the internal bill file format of the payment system;
[0042] Step S5: Analyze the obtained bill file according to the obtained mapping relationship to obtain a bill analysis result.
[0043] Step S6: When the transaction flow information within a certain period of time is obtained from the payment channel, the transaction flow information is compared with the bill analysis result, and the comparison result is stored in the reconciliation result record table.
[0044] Above, the embodiment of the present invention provides a method for reconciliation of a payment system based on multiple payment channels. The mapping relationship between the bill file format independently provided by the payment channel and the internal bill file format of the payment system can be adapted to multiple A variety of different types of payment channels, processing a variety of different bill file formats, realize multi-platform universal reconciliation, to meet diversified needs.
[0045] In a specific application scenario embodiment, the reconciliation method of the payment system based on multiple payment channels of the present invention may include the following processes:
[0046] 1. Agree on the internal bill format
[0047] 1) The payment channel that fails to provide the bill format file is agreed; if the bill file is provided independently by the payment channel, the configuration mapping relationship is used to convert into the internal bill format.
[0048] 2) The agreed payment channel type distinguishes payment channels.
[0049] 2. Add configuration to the payment channel. The configured parameters are recorded in the reconciliation module configuration table, which can include:
[0050] 1) Transmission method;
[0051] 2) Push time;
[0052] 3) The mapping relationship between payment channel bill format and internal bill format;
[0053] For example: {"referNo":"0",money:"1"}, k indicates the value field, v indicates the parameter is subscripted in the billing data row.
[0054] 4) Configure the separator;
[0055] Special separators, such as "|", need to be judged during the development process.
[0056] 3. Timer configuration
[0057] Push the billing time according to different payment channels, configure the reconciliation microservice to get the bill time;
[0058] 1) Configure the reconciliation time according to different payment channels;
[0059] 2) Add the configuration rules to agree on the primary key ID;
[0060] 4. Get the bill
[0061] The timer triggers the reconciliation process, through the payment channel type configured by the timer, the necessary parameters for the connection are obtained, and the bill is obtained through the remote connection and stored in the file microservice;
[0062] The remote connection method is FTP or SFTP;
[0063] Get the bill time and bill push date;
[0064] Configure the external bill and internal bill mapping format;
[0065] Configure the separate line of billing data.
[0066] 5. Analyze the bill
[0067] After obtaining the bill, obtain the required fields according to the configured mapping relationship, and obtain the bill analysis result.
[0068] 6. Check the bill
[0069] According to the bill push time configuration, obtain the comparison between the transaction flow in the corresponding time period and the bill analysis result and store the comparison result in the reconciliation result record table:
[0070] 1) Analyze the statement information;
[0071] 2) Take out transaction flow information;
[0072] 3) Compare the transaction flow system reference number according to the billing system reference number;
[0073] 4) Compare the bill reference number according to the transaction flow system reference number;
[0074] 5) According to the intersection of 3) and 4) comparison results, judge the transaction status and transaction amount again;
[0075] 6) Save the results of 3) and 4) that do not exist, as well as the abnormal items of transaction status and transaction amount in the reconciliation table.
[0076] In this embodiment, the timer invokes the general interface exposed by the reconciliation microservice to trigger the reconciliation process as follows:
[0077] 1) The timer calls the reconciliation interface to add a new payment channel type. The reconciliation microservice obtains the required remote connection address, account number, password, port, and connection method from the configuration table to obtain the reconciliation file according to the reconciliation type;
[0078] 2) According to the configuration mapping relationship, convert the bill format to obtain the parsed bill file
[0079] 3) According to the bill push time and payment channel type, obtain the transaction flow record table in the time period corresponding to the bill;
[0080] 4) Compare the results of the bill analysis with the transaction flow.
[0081] Among them, according to the type of payment channel, check the last reconciliation situation, if the reconciliation fails, you can make a supplement.
[0082] Please refer to figure 2 An embodiment of the present invention also provides a payment system based on multiple payment channels, which may include:
[0083] The obtaining module 21 is used to obtain the mapping relationship corresponding to the payment channel when the system obtains the bill file from a payment channel, and the mapping relationship is the bill file format independently provided by the payment channel and the internal bill file of the payment system Format mapping relationship;
[0084] The parsing module 22 is configured to analyze the obtained bill file according to the obtained mapping relationship to obtain the bill analysis result.
[0085] Optionally, the obtaining module 21 is further configured to obtain connection parameters from the corresponding account reconciliation module configuration table according to the type of payment channel configured by the timer when the timer triggers the reconciliation process; The obtained parameters establish a connection with the payment channel, and the bill file is obtained from the payment channel.
[0086] Optionally, the system further includes: a parameter configuration module 23, configured to configure parameters for different types of payment channels and generate a corresponding reconciliation module configuration table. The parameters include at least transmission mode, push time, and mapping relationship. The mapping relationship is the mapping relationship between the bill file format independently provided by the payment channel and the internal bill file format of the payment system.
[0087] Optionally, the system further includes: a timer configuration module 24, configured to configure timers for different types of payment channels according to the reconciliation module configuration table, and the timer configuration information includes the types of payment channels and the acquisition Bill time.
[0088] Optionally, the system further includes: a comparison module 25, configured to compare the transaction flow information with the bill analysis result when the system obtains transaction flow information within a certain period of time from the payment channel, and compare The result is stored in the reconciliation result record table.
[0089] The payment system of the embodiment of the present invention can adapt to multiple different types of payment channels, process multiple different bill file formats, and realize multi-platform universal reconciliation.
