A billing data processing method, a network payment clearing system and related devices
By introducing message middleware and automatic compensation mechanisms into the online payment clearing system, the problem of transaction subsystem failing to obtain transaction fees or missing billing has been solved, enabling non-real-time billing data compensation and improving system processing performance and user experience.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- NETSUNION CLEARING CORP
- Filing Date
- 2024-12-27
- Publication Date
- 2026-06-30
AI Technical Summary
In existing technologies, when the transaction subsystem fails to obtain transaction fees or fails to calculate fees, the online payment clearing system requires periodic manual processing, resulting in poor processing performance and a poor user experience.
By introducing message middleware and an automatic compensation mechanism into the online payment clearing system, the first transaction information is processed using the second transaction information from the billing system to generate a complete reconciliation file, thereby achieving non-real-time billing data compensation and avoiding manual intervention.
While ensuring the real-time performance and stability of transaction billing, the processing performance and efficiency of the online payment and clearing system have been improved, reducing manual processing time and ensuring the integrity of reconciliation documents.
Smart Images
Figure CN122312286A_ABST
Abstract
Description
Technical Field
[0001] This invention relates to the field of transaction clearing technology, and in particular to a billing data processing method, a network payment clearing system, and related equipment. Background Technology
[0002] In online payment scenarios, online payment clearing systems typically charge a transaction fee for each transaction and store the corresponding fee in a transaction reconciliation file for member institutions to use during reconciliation. Specifically, the online payment clearing system calculates the transaction fee for each transaction through the billing subsystem, then calls the billing subsystem through the transaction subsystem to obtain the calculated fee, and finally sends the obtained fee to the billing subsystem for reconciliation purposes.
[0003] However, in practical applications, situations may arise where the transaction subsystem fails to retrieve transaction fees or the billing subsystem misses billing entries. Related technologies typically require manual periodic statistical processing of billing information to prevent these issues from affecting reconciliation. However, this manual processing is time-consuming, leading to a decline in the processing performance of the online payment clearing system. Summary of the Invention
[0004] This invention provides a billing data processing method, an online payment clearing system, and related equipment to solve the problem of poor processing performance of the online payment clearing system caused by the existing technology that relies on manual verification of billing information to avoid reconciliation business anomalies due to abnormal handling fees.
[0005] In a first aspect, embodiments of the present invention provide a billing data processing method applied to a billing system, the method comprising:
[0006] A first reconciliation file is generated based on the first transaction information within a preset reconciliation period. The first transaction information is stored in the transaction database of the transaction system. The first transaction information includes the value information of the transaction requested by the transaction request, and the transaction fee corresponding to the value information.
[0007] When it is determined that there is missing information in the first reconciliation file, the second transaction information is obtained from the billing system, and the first transaction information is processed using the second transaction information to obtain the third transaction information;
[0008] The first reconciliation file is updated based on the third transaction information to obtain the second reconciliation file.
[0009] In one optional implementation, the step of processing the first transaction information using the second transaction information to obtain the third transaction information includes:
[0010] Determine the differences between the first transaction information and the second transaction information;
[0011] The difference information is added to the first transaction information to obtain the third transaction information.
[0012] In one optional implementation, determining the difference information between the first transaction information and the second transaction information includes:
[0013] The transaction fee in the first transaction information corresponding to any transaction request within the preset transaction period is compared with the transaction fee in the second transaction information corresponding to the same transaction request.
[0014] The transaction fee that belongs to the second transaction information and is different from the transaction fee in the first transaction information is used as the difference information.
[0015] In one optional implementation, after obtaining the second transaction information from the billing system, the method further includes:
[0016] The message middleware stores the second transaction information, enabling the transaction system to obtain the difference information from the second transaction information stored in the message middleware and supplement the difference information into its own transaction database.
[0017] The second transaction information includes the value information received by the billing system and the transaction fee calculated by the billing system based on the value information.
[0018] In one optional implementation, the step of processing the first transaction information using the second transaction information to obtain the third transaction information includes:
[0019] Based on the second transaction information, the first transaction information is updated, and the updated first transaction information is used as the third transaction information.
[0020] In one optional implementation, determining that there is a missing transaction fee in the first reconciliation file includes:
[0021] After generating the first reconciliation file, information identification is performed on the first reconciliation file;
[0022] When it is identified that at least one value information in the first reconciliation file is missing without a corresponding transaction fee, it is determined that there is missing information in the first reconciliation file.
[0023] In one optional implementation, determining that there is a missing transaction fee in the first reconciliation file includes:
[0024] If, during the generation of the first reconciliation file, it is identified that at least one piece of value information in the first transaction information lacks a corresponding transaction fee, then it is determined that there is missing information in the first reconciliation file.
[0025] In one optional implementation, after obtaining the second reconciliation document, the process further includes:
[0026] The reconciliation process is carried out based on the second reconciliation document.
[0027] In one optional implementation, after identifying the first reconciliation document, the method further includes:
[0028] When it is detected that there is no missing information in the first reconciliation file, the reconciliation business is processed according to the first reconciliation file.
[0029] Secondly, embodiments of the present invention provide a network payment clearing system, including a transaction system, a billing system, a billing system, and a message middleware, wherein:
[0030] The trading system is used for:
[0031] The system receives a transaction request from a terminal and sends the value information of the transaction requested by the transaction request to the billing system, wherein the value information is used to indicate the transaction amount of the transaction request;
[0032] The transaction fee corresponding to the value information is obtained from the billing system, and the value information and the transaction fee corresponding to the value information are used as the first transaction information and stored in its own transaction database.
[0033] The billing system is used to: calculate the transaction fee corresponding to the received value information;
[0034] The billing system is used to: perform the steps of the billing data processing method as described in any of the embodiments of the first aspect above;
[0035] The message middleware is used to store the second transaction information.
[0036] Thirdly, embodiments of the present invention provide a billing data processing apparatus, comprising:
[0037] The bill generation module is used to generate a first reconciliation file based on the first transaction information within a preset reconciliation period. The first transaction information is stored in the transaction database of the transaction system. The first transaction information includes the value information of the transaction requested by the transaction request and the transaction fee corresponding to the value information.
[0038] The first billing processing module is used to obtain second transaction information from the billing system when it is determined that there is missing information in the first reconciliation file, and to process the first transaction information using the second transaction information to obtain third transaction information.
[0039] The second billing module is used to update the first reconciliation file based on the third transaction information to obtain the second reconciliation file.
[0040] In one optional implementation, the first billing module is specifically used for:
[0041] Determine the differences between the first transaction information and the second transaction information;
[0042] The difference information is added to the first transaction information to obtain the third transaction information.
[0043] In one optional implementation, the first billing module is specifically used for:
[0044] The transaction fee in the first transaction information corresponding to any transaction request within the preset transaction period is compared with the transaction fee in the second transaction information corresponding to the same transaction request.
[0045] The transaction fee that belongs to the second transaction information and is different from the transaction fee in the first transaction information is used as the difference information.
[0046] In one optional implementation, the billing data processing device further includes a storage module;
[0047] The storage module is used to store the second transaction information so that the transaction system can obtain the difference information from the second transaction information stored in the storage module and supplement the difference information into its own transaction database;
[0048] The second transaction information includes the value information received by the billing system and the transaction fee calculated by the billing system based on the value information.
[0049] In one optional implementation, the first billing module is specifically used for:
[0050] Based on the second transaction information, the first transaction information is updated, and the updated first transaction information is used as the third transaction information.
[0051] In one alternative implementation, the missing information in the first reconciliation file is determined by the following method:
[0052] After the first reconciliation file is generated, the first billing module performs information recognition on the first reconciliation file;
[0053] When the first billing module identifies that there is at least one value information in the first reconciliation file that does not correspond to the transaction fee, it determines that there is missing information in the first reconciliation file.
[0054] In one alternative implementation, the missing information in the first reconciliation file is determined by the following method:
[0055] If the billing generation module detects that at least one piece of value information in the first transaction information does not have a corresponding transaction fee during the process of generating the first reconciliation file, it will determine that there is missing information in the first reconciliation file.
[0056] In one optional implementation, the billing data processing device further includes a service processing module;
[0057] The business processing module is used to perform reconciliation business processing based on the second reconciliation file.
[0058] In an optional implementation, when the bill recognition module detects that there is no missing information in the first reconciliation file, the business processing module is further configured to:
[0059] Based on the first reconciliation document, the reconciliation process is carried out.
[0060] Fourthly, embodiments of the present invention provide an electronic device, comprising:
[0061] Memory, used to store executable instructions;
[0062] A processor is configured to read and execute executable instructions stored in the memory to implement the steps of the billing data processing method as described in any of the embodiments of the first aspect above.
[0063] Fifthly, embodiments of the present invention provide a computer-readable storage medium storing computer instructions that, when executed on a computer, cause the computer to perform the steps of the billing data processing method as described in any of the embodiments of the first aspect above.
[0064] In a sixth aspect, embodiments of the present invention provide a computer program product, including a computer program stored in a computer-readable storage medium; when a processor of a memory access device reads the computer program from the computer-readable storage medium, the processor executes the computer program, causing the memory access device to perform the steps of the billing data processing method as described in any of the embodiments of the first aspect above.
[0065] The technical solutions provided by the embodiments of the present invention bring at least the following beneficial effects:
[0066] In the billing data processing method provided by this invention, a first reconciliation file is generated based on first transaction information within a preset reconciliation period. The first transaction information is stored in the transaction database of the transaction system and includes the value information of the transaction requested by the transaction request, as well as the transaction fee corresponding to the value information. When it is determined that there is missing information in the first reconciliation file, second transaction information is obtained from the billing system, and the first transaction information is processed using the second transaction information to obtain third transaction information. The first reconciliation file is updated based on the third transaction information to obtain a second reconciliation file. By performing a completeness judgment on the first reconciliation file, when it is determined that there is missing information in the first reconciliation file, it can be determined that some transaction requests in the current first reconciliation file do not have corresponding transaction fees. At this time, the second transaction information is retrieved from the billing system, and the first reconciliation file is updated and compensated using the second transaction information to obtain a second reconciliation file with complete transaction data information. Therefore, in response to scenarios of missed billing or failure to obtain transaction fees, a non-real-time billing data compensation channel was established while ensuring the continuity and stability of the real-time transaction billing process. Through a bypass automatic compensation mechanism, the full data billing capability is achieved without relying on manual processing. This not only ensures the real-time nature of transaction billing but also improves the processing performance and efficiency of the online payment and clearing system. Attached Figure Description
[0067] To more clearly illustrate the technical solutions in the embodiments of the present invention, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.
[0068] Figure 1 A schematic diagram of the internal structure of a network payment clearing system provided for related technologies;
[0069] Figure 2 This is a schematic diagram of the structure of a network payment clearing system provided in an embodiment of the present invention;
[0070] Figure 3 A schematic diagram illustrating the workflow of a billing data processing method provided in an embodiment of the present invention;
[0071] Figure 4 This is a schematic diagram of the complete interactive process of a billing data processing method provided in an embodiment of the present invention;
[0072] Figure 5This is a schematic diagram of the module structure of a billing data processing device provided in an embodiment of the present invention;
[0073] Figure 6 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present invention;
[0074] Figure 7 This is a schematic diagram of a program product for a billing data processing method provided in an embodiment of the present invention. Detailed Implementation
[0075] To make the objectives, technical solutions, and advantages of this invention clearer, the invention will be further described in detail below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this invention, and not all of them. Based on the embodiments of this invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this invention.
[0076] It should be noted that the terms "first," "second," etc., used in the specification, claims, and accompanying drawings of this invention are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of the invention described herein can be implemented in orders other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this invention. Rather, they are merely examples of apparatuses and methods consistent with some aspects of the invention as detailed in the appended claims.
[0077] In online payment scenarios, online payment clearing systems typically charge a transaction fee for each transaction and store the corresponding fee in a transaction reconciliation file for member institutions to use during reconciliation. For example, when a user uses an account software installed on a mobile device to perform fund transactions such as transfers and withdrawals, the account software sends a transaction request to the online payment clearing system. The online payment clearing system then charges a corresponding transaction fee based on the requested transaction amount. This account software can be WeChat Pay, Alipay, or similar services.
[0078] Figure 1 A schematic diagram of the internal structure of a network payment clearing system provided by related technologies is shown. For example... Figure 1 As shown, the online payment clearing system 10 includes a transaction subsystem 11, a billing subsystem 12, and a billing subsystem 13, wherein:
[0079] After receiving a transaction request from the terminal, the transaction subsystem 11 calls the billing subsystem 12 to calculate the transaction fee for the requested transaction amount and retrieves the fee, storing it in its own transaction database. When business reconciliation is required, the billing subsystem 13 retrieves the transaction amounts of all transaction requests within the reconciliation period, along with the transaction fee for each request, from the transaction database of the transaction subsystem 11 to create a reconciliation file for member institutions to use for reconciliation.
[0080] In the entire transaction billing process described above, there may be instances where the transaction subsystem 11 fails to obtain transaction fees from the billing subsystem 12, or the billing subsystem 12 fails to bill. The relevant technologies typically employ the following solutions to address this issue:
[0081] Method 1: Manually process billing statistics periodically to avoid the aforementioned issues affecting reconciliation. However, manual processing is time-consuming, leading to decreased processing performance and efficiency of the online payment clearing system, severely impacting user experience.
[0082] Method 2: If real-time billing fails, retry billing or terminate the transaction directly. However, this method has two drawbacks. First, retrying billing will increase the transaction transfer time, which may lead to unexpected failures in non-business scenarios being exposed to upstream callers, and there is still a risk of missed billing even if the retry fails. Second, directly terminating the transaction is detrimental to the transaction.
[0083] Method 3: Compensate for billing data. However, in the existing billing compensation method, the billing system updates the compensation fee to the transaction database. This poses a significant risk of transaction fees being altered, blurs system boundaries, and creates a risk of data chaos due to lack of data isolation. In addition, the billing system calls the real-time transfer system via RPC interface, which increases the load on the transaction system.
[0084] Based on this, embodiments of the present invention provide a billing data processing method, a network payment clearing system, and related equipment. Addressing scenarios of missed billing or failure to obtain transaction fees, this method establishes a non-real-time billing data compensation channel while ensuring the continuity and stability of the real-time transaction billing process. Through a bypass automatic compensation mechanism, it achieves full-data billing capability without relying on manual processing. This not only guarantees the real-time nature of transaction billing but also improves the processing performance and efficiency of the network payment clearing system.
[0085] The objectives, functional features, and advantages of this invention will be further explained in conjunction with the embodiments and with reference to the accompanying drawings. It should be understood that the preferred embodiments described herein are for illustrative and explanatory purposes only and are not intended to limit the invention. Furthermore, the embodiments and features described herein can be combined with each other without conflict.
[0086] First, the online payment and settlement system provided by the present invention will be described in detail with reference to the accompanying drawings:
[0087] Figure 2 This diagram illustrates the structure of a network payment clearing system according to an embodiment of the present invention. Figure 2 As shown, the online payment clearing system 20 includes a transaction system 21, a billing system 22, a billing system 23, and a message middleware 24. The transaction system 21 includes a real-time transaction transfer application component 211 and a transaction database 212.
[0088] The cooperation of the various parts of this online payment clearing system 20 can be used to implement the billing data processing method provided by this invention. The implementation method is described in detail below:
[0089] Figure 3 A flowchart illustrating the workflow of a billing data processing method is shown, such as... Figure 3 As shown, the billing data processing method may specifically include the following steps:
[0090] In step S301, the billing system 23 generates a first reconciliation file based on the first transaction information within the preset reconciliation period. The first transaction information is stored in the transaction database 212 of the transaction system 21. The first transaction information includes the value information of the transaction requested by the transaction request and the transaction fee corresponding to the value information.
[0091] It should be noted that, in this embodiment of the invention, the value information of the transaction requested in the transaction request is the transaction amount. For example, if the terminal triggers a transfer of 1,000 yuan, then the value information of the transaction requested in the transaction request is 1,000 yuan.
[0092] In some embodiments, before the billing system 23 generates the first reconciliation file based on the first transaction information within the preset reconciliation period, the transaction system 21 receives a transaction request from the terminal and sends the value information of the transaction requested by the transaction request to the billing system 22 through the real-time transaction transfer application component 211 therein; the billing system 22 calculates the transaction fee corresponding to the received value information.
[0093] For example, if the transaction system 21 receives a transaction request with a transaction amount (i.e., value information) of 1,000 yuan, the transaction system 21 will inform the billing system 22 of the value information. The billing system 22 will calculate the transaction fee corresponding to this transaction request based on the product of the value information and a preset percentage. That is, if a fee of 0.1% is charged for each transaction, the transaction fee corresponding to this transaction request will be 1 yuan.
[0094] After the billing system 22 calculates the transaction fee corresponding to the current transaction request, the transaction system 21 obtains the transaction fee from the billing system 22 through its own real-time transaction transfer application component 211 and stores the transaction fee in its own transaction database 212.
[0095] In practical implementation, different fields can be set in the transaction database 212 to store different information. For example, a transaction amount field and a transaction fee field can be set in the transaction database 212. In this way, the value information corresponding to each transaction request can be stored in the transaction amount field, and the transaction fee corresponding to each transaction request can be stored in the transaction fee field. A mapping relationship between the transaction amount field and the transaction fee field can be established to ensure that for a transaction request, the corresponding value information and transaction fee are in one-to-one correspondence.
[0096] In this embodiment of the invention, the value information and the transaction fee corresponding to the value information can be used as the first transaction information, and the first transaction information can be stored in the transaction database 212.
[0097] In some embodiments, when a preset reconciliation period arrives, the billing system 23 can obtain the first transaction information stored within the preset reconciliation period from the transaction database 212, and generate a first reconciliation file based on the obtained first transaction information.
[0098] In step S302, when the billing system 23 determines that there is missing information in the first reconciliation file, it obtains the second transaction information from the billing system 22 and processes the first transaction information using the second transaction information to obtain the third transaction information.
[0099] In this embodiment of the invention, there are at least two methods for determining whether there is missing information in the first reconciliation file, as follows:
[0100] Method 1:
[0101] In some embodiments, after the billing system 23 generates the first reconciliation file, it can perform information identification on the first reconciliation file; if it identifies at least one value information in the first reconciliation file that has no corresponding transaction fee, it is determined that there is information missing in the first reconciliation file; if it identifies that all value information in the first reconciliation file has a corresponding transaction fee, it is determined that there is no information missing in the first reconciliation file.
[0102] In practice, after the billing system 23 generates the first reconciliation file, it will perform an integrity check on the first reconciliation file, that is, check whether there is any missing information. When it is found that there is missing information, it can be determined that some transaction requests in the current first reconciliation file do not have corresponding transaction fees, that is, there is a situation where the fee retrieval has failed or the fee has been missed. This can accurately determine the integrity of the first reconciliation file, ensure the availability of the reconciliation file delivered to member institutions, and improve the user experience.
[0103] Method 2:
[0104] In some embodiments, during the process of generating the first reconciliation file in the billing system 23, it is identified in real time whether each value information in the first transaction information used to generate the first reconciliation file has a corresponding transaction fee; if it is found that at least one value information in the first transaction information does not have a corresponding transaction fee, it is determined that there is information missing in the first reconciliation file; if each value information has a corresponding transaction fee, it is determined that there is no information missing in the first reconciliation file.
[0105] In practice, the billing system 23 can also perform real-time data integrity identification during the generation of the first reconciliation file, eliminating the need to perform file integrity identification separately after the first reconciliation file is generated. This simplifies the processing flow of the billing system 23 and improves its processing efficiency.
[0106] In some embodiments, after the billing system 23 obtains the second transaction information from the billing system 22, on the one hand, it uses the second transaction information to process the first transaction information to generate the third transaction information; on the other hand, it can asynchronously submit the obtained second transaction information to the message middleware 24; the message middleware 24 will store the second transaction information.
[0107] The following describes the specific implementation method of billing system 23, which uses the second transaction information to process the first transaction information and generate the third transaction information:
[0108] In some embodiments, the billing system 23 can determine the difference information between the first transaction information and the second transaction information it has obtained, and supplement the difference information into the first transaction information to generate third transaction information. Specifically, the billing system 23 will compare the transaction fee in the first transaction information corresponding to any transaction request within a preset reconciliation period with the transaction fee in the second transaction information corresponding to the same transaction request; and use the transaction fee belonging to the second transaction information and different from the transaction fee in the first transaction information as the difference information.
[0109] For example, taking the 10th transaction within a preset reconciliation period as an example, in this transaction request, the value information of the requested transaction is A1, and the corresponding transaction fee is a1. However, the billing system 23 recognizes that the transaction fee in the first transaction information corresponding to the 10th transaction is empty, while the transaction fee in the second transaction information corresponding to the 10th transaction obtained from the billing system 22 is a1. Therefore, the transaction fee a1 will be used as the difference information.
[0110] Once the billing system 23 determines the discrepancy information, it can feed the discrepancy information back to the transaction system 21. The transaction system 21 extracts the corresponding information from the message middleware 24 based on the discrepancy information and adds it to the first transaction information stored in the transaction database 212, thereby obtaining the third transaction information and realizing data compensation for the first transaction information.
[0111] For example, if the transaction fee a1 corresponding to the 10th transaction is taken as the difference information, the transaction system 21 can obtain the difference information (i.e., the transaction fee a1) from the second transaction information stored in the message middleware 24 through the real-time transaction transfer application component 211, and supplement the obtained transaction fee a1 into the transaction database 212.
[0112] In some embodiments, the billing system 23 may directly update the first transaction information based on the second transaction information and use the updated first transaction information as the third transaction information.
[0113] In step S303, the billing system 23 updates the first reconciliation file based on the third transaction information to obtain the second reconciliation file.
[0114] In some embodiments, after the billing system 23 updates the first reconciliation file based on the third transaction information and generates the second reconciliation file, it can perform reconciliation business processing based on the second reconciliation file.
[0115] Furthermore, in some embodiments, if the billing system 23 detects that there is no missing information in the first reconciliation file, it can directly perform reconciliation processing based on the first reconciliation file.
[0116] In practice, when the billing system 23 identifies that there is no missing information in the first reconciliation file, it can determine that all transaction requests in the current first reconciliation file have corresponding transaction fees, and the first reconciliation file is complete. That is, the system has not failed to obtain fees or failed to charge fees. At this time, the billing system 23 can directly process the reconciliation business based on the first reconciliation file.
[0117] Furthermore, if the billing system 23 determines that the first reconciliation file contains missing information and fails to obtain the second transaction information from the billing system 22, the billing system 23 can automatically perform N (N≥1) retrieval attempts and generate an alarm notification. This alarm notification can be sent in the form of a message prompt to inform relevant technical personnel to perform system maintenance. At the same time, in order to ensure the document delivery deadline with member institutions, the first reconciliation file will be sent to the member institutions first. After the system maintenance is completed, the second transaction information will be retrieved again to update the first reconciliation file, generate the second reconciliation file, and then send the second reconciliation file to the member institutions to replace the first reconciliation file sent previously.
[0118] Therefore, the billing compensation path constructed in this embodiment of the invention is a non-real-time processing path, which will take effect when it is detected that the handling fee acquisition failure or the billing is missed. It does not require manual processing, thereby solving the problem of long manual processing cycle and reducing the time loss of manual processing.
[0119] Furthermore, this billing compensation channel is decoupled from the system's real-time billing process. This allows for full-data billing capabilities through a bypass automatic compensation mechanism, while ensuring transaction continuity and stability. This not only guarantees the final consistency of billing data obtained by the billing system and the real-time transfer transaction component, but also improves the overall real-time processing efficiency of the system.
[0120] Furthermore, by setting up a message middleware, in scenarios where billing is missed or fee collection fails, the message mechanism can be used to drive real-time data storage, reducing the pressure on the trading system and improving its processing performance.
[0121] Figure 4 This diagram illustrates the complete interactive flow of a billing data processing method provided by an embodiment of the present invention, as shown below. Figure 4 As shown, the specific process of this method is based on, Figure 2 The network payment clearing system 20 shown may specifically include the following steps:
[0122] Step S401: The transaction system 21 receives a transaction request from the terminal and sends the transaction amount carried in the transaction request to the billing system 21.
[0123] Step S402, the billing system 21 calculates the transaction fee based on the transaction amount;
[0124] In step S403, the transaction system 21 calls the billing system 21 through its own real-time transaction transfer application component 211 to obtain the transaction fee;
[0125] In step S404, the transaction system 21 stores the first transaction information in its own transaction database 212;
[0126] The first transaction information includes the transaction amount and the corresponding transaction fee.
[0127] In step S405, the billing system 23 retrieves the first transaction information within the preset reconciliation period from the transaction database 212;
[0128] Step S406: The billing system 23 generates a first reconciliation file based on the obtained first transaction information and performs integrity verification on the first reconciliation file.
[0129] In step S407, the billing system 23 identifies that there is missing information in the first reconciliation file;
[0130] In step S408, the billing system 23 retrieves the second transaction information from the billing system 22;
[0131] The second transaction information includes the transaction amount and corresponding transaction fees received by the billing system 22 within the preset reconciliation period.
[0132] In step S409, the billing system 23 sends the second transaction information to the message middleware 24;
[0133] Step S410: Message middleware 24 stores the received second transaction information;
[0134] In step S411, the transaction system 21 retrieves the missing transaction fee from the second transaction information stored in the message middleware 24 through its own real-time transaction transfer application component 211.
[0135] In step S412, the transaction system 21 compensates the obtained transaction fees into its own transaction database 212 and updates the first transaction data stored in the transaction database 212.
[0136] In step S413, the billing system 23 retrieves the updated first transaction data from the transaction database 212;
[0137] In step S414, the billing system 23 updates the first reconciliation file based on the updated first transaction data and generates a second reconciliation file.
[0138] In step S415, the billing system 23 performs reconciliation processing based on the second reconciliation file.
[0139] Based on the above description, in this embodiment of the invention, by performing integrity identification on the first reconciliation file, and when it is found that there is missing information in the first reconciliation file, it can be determined that some transaction requests in the current first reconciliation file do not have corresponding transaction fees. At this time, the second transaction information is retrieved from the billing system, the first transaction information is compensated using the second transaction information, and the first reconciliation information is updated using the compensated first transaction information, thereby realizing the compensation operation for transaction billing data.
[0140] Therefore, in response to scenarios of missed billing or failure to obtain transaction fees, a non-real-time billing data compensation channel was established while ensuring the continuity and stability of the real-time transaction billing process. Through a bypass automatic compensation mechanism, the full data billing capability is achieved without relying on manual processing. This not only ensures the real-time nature of transaction billing but also improves the processing performance and efficiency of the online payment and clearing system.
[0141] Based on the same concept, this embodiment of the invention also provides a network payment clearing system. Since this system is the same as the system in the method of this embodiment of the invention, and the principle of solving the problem by this system is similar to that of this method, the implementation of this system can refer to the implementation of the method, and the repeated parts will not be described again.
[0142] like Figure 2 As shown, the aforementioned online payment clearing system 20 includes a transaction system 21, a billing system 22, a billing system 23, and a message middleware 24, wherein:
[0143] Trading system 21 is used for:
[0144] Receive transaction requests from terminals and send the value information of the requested transaction to the billing system, wherein the value information is used to indicate the transaction amount of the transaction request;
[0145] The system obtains the transaction fee corresponding to the value information from the billing system, uses the value information and the transaction fee corresponding to the value information as the first transaction information, and stores the first transaction information in its own transaction database.
[0146] Billing system 22 is used to: calculate the transaction fee corresponding to the received value information;
[0147] Billing system 23 is used to: perform the steps of the billing data processing method provided in any of the above embodiments;
[0148] Message middleware 24 is used to store second transaction information.
[0149] Based on the same concept, this embodiment of the invention also provides a billing data processing device. Since this device is the same as the device in the method of this embodiment of the invention, and the principle of the device in solving the problem is similar to that of the method, the implementation of the device can refer to the implementation of the method, and the repeated parts will not be described again.
[0150] like Figure 5 As shown, the above-mentioned device includes the following modules:
[0151] The bill generation module 501 is used to generate a first reconciliation file based on the first transaction information within a preset reconciliation period. The first transaction information is stored in the transaction database of the transaction system. The first transaction information includes the value information of the transaction requested by the transaction request and the transaction fee corresponding to the value information.
[0152] The first billing processing module 502 is used to obtain second transaction information from the billing system when it is determined that there is missing information in the first reconciliation file, and to process the first transaction information using the second transaction information to obtain third transaction information.
[0153] The second billing module 503 is used to update the first reconciliation file based on the third transaction information to obtain the second reconciliation file.
[0154] In some embodiments, the first billing module 502 is specifically used for:
[0155] Determine the differences between the first transaction information and the second transaction information;
[0156] The difference information is added to the first transaction information to obtain the third transaction information.
[0157] In some embodiments, the first billing module 502 is specifically used for:
[0158] The transaction fee in the first transaction information corresponding to any transaction request within the preset reconciliation period is compared with the transaction fee in the second transaction information corresponding to the same transaction request.
[0159] Transaction fees that belong to the second transaction information and differ from those in the first transaction information are considered as differential information.
[0160] In some embodiments, the billing data processing apparatus further includes a storage module;
[0161] The storage module is used to store the second transaction information so that the transaction system can obtain the difference information from the second transaction information stored in the storage module and supplement the difference information into its own transaction database;
[0162] The second transaction information includes the value information received by the billing system, and the transaction fee calculated by the billing system based on the value information.
[0163] In some embodiments, the first billing module 502 is specifically used for:
[0164] Based on the second transaction information, update the first transaction information, and use the updated first transaction information as the third transaction information.
[0165] In some embodiments, missing information in the first reconciliation file is determined by the following methods:
[0166] After the first reconciliation file is generated, the first billing module 502 performs information recognition on the first reconciliation file;
[0167] When the first billing module 502 identifies that there is at least one value information in the first reconciliation file that does not have a corresponding transaction fee, it determines that there is missing information in the first reconciliation file.
[0168] In some embodiments, missing information in the first reconciliation file is determined by the following methods:
[0169] During the process of generating the first reconciliation file, the bill generation module 501 identifies that there is at least one value information in the first transaction information that does not have a corresponding transaction fee, and then determines that there is missing information in the first reconciliation file.
[0170] In some embodiments, the billing data processing apparatus further includes a service processing module;
[0171] The business processing module is used to perform reconciliation business processing based on the second reconciliation file.
[0172] In some embodiments, when the bill recognition module detects that there is no missing information in the first reconciliation file, the business processing module is further configured to:
[0173] Reconciliation transactions are processed based on the first reconciliation document.
[0174] Based on the same concept, this embodiment of the invention also provides an electronic device. Since this electronic device is the same as the electronic device in the method of this embodiment of the invention, and the principle of solving the problem by this electronic device is similar to that of this method, the implementation of this electronic device can refer to the implementation of the method, and repeated details will not be described again.
[0175] The following reference Figure 6 To describe an electronic device 60 according to this embodiment of the present invention. Figure 6 The electronic device 60 shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of the present invention.
[0176] like Figure 6 As shown, electronic device 60 can be manifested as a general-purpose computing device, such as a terminal device. Components of electronic device 60 may include, but are not limited to: at least one processor 61, at least one memory 62 storing instructions executable by the processor 61, and a bus 63 connecting different system components (including memory 62 and processor 61), wherein processor 61 is a processor of a smart device.
[0177] Processor 61 performs the following steps by executing executable instructions:
[0178] Based on the first transaction information within the preset reconciliation period, a first reconciliation file is generated. The first transaction information is stored in the transaction database of the transaction system. The first transaction information includes the value information of the transaction requested by the transaction request, and the transaction fee corresponding to the value information.
[0179] When it is determined that there is missing information in the first reconciliation file, the second transaction information is obtained from the billing system, and the first transaction information is processed using the second transaction information to obtain the third transaction information;
[0180] The first reconciliation file is updated based on the third transaction information to obtain the second reconciliation file.
[0181] In some embodiments, processor 61 is specifically used for:
[0182] Determine the differences between the first transaction information and the second transaction information;
[0183] The difference information is added to the first transaction information to obtain the third transaction information.
[0184] In some embodiments, processor 61 is specifically used for:
[0185] The transaction fee in the first transaction information corresponding to any transaction request within the preset reconciliation period is compared with the transaction fee in the second transaction information corresponding to the same transaction request.
[0186] Transaction fees that belong to the second transaction information and differ from those in the first transaction information are considered as differential information.
[0187] In some embodiments, the processor 61 is further configured to:
[0188] The message middleware stores the second transaction information, enabling the transaction system to obtain the difference information from the second transaction information stored in the message middleware and supplement the difference information into its own transaction database.
[0189] The second transaction information includes the value information received by the billing system, and the transaction fee calculated by the billing system based on the value information.
[0190] In some embodiments, processor 61 is specifically used for:
[0191] Based on the second transaction information, the first transaction information is updated, and the updated first transaction information is used as the third transaction information.
[0192] In some embodiments, processor 61 is specifically used for:
[0193] After generating the first reconciliation file, information identification is performed on the first reconciliation file;
[0194] When at least one piece of value information without a corresponding transaction fee is identified in the first reconciliation file, it is determined that there is missing information in the first reconciliation file.
[0195] In some embodiments, processor 61 is specifically used for:
[0196] If, during the generation of the first reconciliation file, it is found that at least one piece of value information in the first transaction information is missing without a corresponding transaction fee, then it is determined that there is missing information in the first reconciliation file.
[0197] In some embodiments, the processor 61 is further configured to:
[0198] The reconciliation process is carried out based on the second reconciliation document.
[0199] In some embodiments, the processor 61 is further configured to:
[0200] When it is found that there is no missing information in the first reconciliation file, the reconciliation process is carried out based on the first reconciliation file.
[0201] Bus 63 represents one or more of several bus structures, including a memory bus or memory controller, peripheral bus, processor, or local bus using any of the multiple bus structures.
[0202] The memory 62 may include a readable medium in the form of volatile memory, such as random access memory (RAM) 621 and / or cache memory 622, and may further include read-only memory (ROM) 623.
[0203] The memory 62 may also include a program / utility 625 having a set (at least one) of program modules 624, including but not limited to: an operating system, one or more application programs, other program modules, and program data, each or some combination of these examples may include an implementation of a network environment.
[0204] Electronic device 60 can also communicate with one or more external devices 64 (e.g., keyboard, pointing device, etc.), and with one or more devices that enable a user to interact with electronic device 60, and / or with any device that enables electronic device 60 to communicate with one or more other computing devices (e.g., router, modem, etc.). This communication can be performed via input / output (I / O) interface 65. Furthermore, electronic device 60 can also communicate with one or more networks (e.g., local area network (LAN), wide area network (WAN), and / or public networks, such as the Internet) via network adapter 66. As shown, network adapter 66 communicates with other modules of electronic device 60 via bus 63. It should be understood that, although not shown in the figures, other hardware and / or software modules can be used in conjunction with electronic device 60, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.
[0205] In some possible implementations, various aspects of the present invention can also be implemented as a program product, which includes program code. When the program product is run on a terminal device, the program code is used to cause the terminal device to execute the steps of each module in the billing data processing apparatus according to various exemplary embodiments of the present disclosure as described in the "Exemplary Methods" section of this specification. For example, generating a first reconciliation file based on first transaction information within a preset reconciliation period, wherein the first transaction information is stored in the transaction database of the transaction system, and the first transaction information includes the value information of the transaction requested by the transaction request and the transaction fee corresponding to the value information; when it is determined that there is missing information in the first reconciliation file, obtaining second transaction information from the billing system, and processing the first transaction information using the second transaction information to obtain third transaction information; updating the first reconciliation file according to the third transaction information to obtain a second reconciliation file.
[0206] The program product may employ any combination of one or more readable media. A readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples (a non-exhaustive list) of readable storage media include: electrical connections having one or more wires, portable disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof.
[0207] like Figure 7As shown, a program product 70 for a billing data processing method according to an embodiment of the present invention is described. It may employ a portable compact disc read-only memory (CD-ROM) and include program code, and may run on a terminal device, such as a personal computer. However, the program product of the present invention is not limited thereto. In this document, the readable storage medium may be any tangible medium containing or storing a program that may be used by or in conjunction with an instruction execution system, apparatus, or device.
[0208] A readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, carrying readable program code. This propagated data signal may take many forms, including—but not limited to—electromagnetic signals, optical signals, or any suitable combination thereof. A readable signal medium may also be any readable medium other than a readable storage medium, capable of sending, propagating, or transmitting a program for use by or in conjunction with an instruction execution system, apparatus, or device.
[0209] The program code contained on the readable medium may be transmitted using any suitable medium, including—but not limited to—wireless, wired, optical fiber, RF, or any suitable combination thereof.
[0210] Program code for performing the operations of this invention can be written in any combination of one or more programming languages, including object-oriented programming languages such as Java and C++, and conventional procedural programming languages such as C or similar languages. The program code can execute entirely on the user's computing device, partially on the user's device, as a standalone software package, partially on the user's computing device and partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network—including a local area network (LAN) or a wide area network (WAN)—or can be connected to an external computing device (e.g., via the Internet using an Internet service provider).
[0211] It should be noted that although several modules or sub-modules of the system have been mentioned in the detailed description above, this division is merely exemplary and not mandatory. In fact, according to embodiments of the present invention, the features and functions of two or more modules described above can be embodied in one module. Conversely, the features and functions of one module described above can be further divided and embodied by multiple modules.
[0212] Furthermore, although the operation of the modules of the system of the present invention is described in a specific order in the accompanying drawings, this does not require or imply that these operations must be performed in that specific order, or that all the operations shown must be performed to achieve the desired result. Additionally or alternatively, certain operations may be omitted, multiple operations may be combined into one operation, and / or one operation may be broken down into multiple operations.
[0213] The invention has been described above with reference to block diagrams and / or flowcharts illustrating methods, apparatus (systems), and / or computer program products according to embodiments of the invention. It should be understood that a block of a block diagram and / or flowchart, as well as combinations of blocks of block diagrams and / or flowcharts, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, and / or other programmable data processing means to produce a machine such that the instructions, executable via the computer processor and / or other programmable data processing means, create methods for implementing the functions / actions specified in the blocks of the block diagrams and / or flowcharts.
[0214] Accordingly, the present invention can also be implemented using hardware and / or software (including firmware, resident software, microcode, etc.). Furthermore, the present invention can take the form of a computer program product on a computer-usable or computer-readable storage medium, having computer-usable or computer-readable program code implemented in the medium for use by or in conjunction with an instruction execution system. In the context of the present invention, a computer-usable or computer-readable medium can be any medium that can contain, store, communicate, transmit, or deliver a program for use by or in conjunction with an instruction execution system, apparatus, or device.
[0215] Obviously, those skilled in the art can make various modifications and variations to this invention without departing from its spirit and scope. Therefore, if these modifications and variations fall within the scope of the claims of this invention and their equivalents, this invention also intends to include these modifications and variations.
Claims
1. A billing data processing method, characterized in that, Applied to a billing system, the method includes: A first reconciliation file is generated based on the first transaction information within a preset reconciliation period. The first transaction information is stored in the transaction database of the transaction system. The first transaction information includes the value information of the transaction requested by the transaction request, and the transaction fee corresponding to the value information. When it is determined that there is missing information in the first reconciliation file, the second transaction information is obtained from the billing system, and the first transaction information is processed using the second transaction information to obtain the third transaction information; The first reconciliation file is updated based on the third transaction information to obtain the second reconciliation file.
2. The method as described in claim 1, characterized in that, The step of processing the first transaction information using the second transaction information to obtain the third transaction information includes: Determine the differences between the first transaction information and the second transaction information; The difference information is added to the first transaction information to obtain the third transaction information.
3. The method as described in claim 2, characterized in that, The step of determining the difference information between the first transaction information and the second transaction information includes: The transaction fee in the first transaction information corresponding to any transaction request within the preset reconciliation period is compared with the transaction fee in the second transaction information corresponding to the same transaction request. The transaction fee that belongs to the second transaction information and is different from the transaction fee in the first transaction information is used as the difference information.
4. The method as described in claim 2, characterized in that, After obtaining the second transaction information from the billing system, the process also includes: The message middleware stores the second transaction information, enabling the transaction system to obtain the difference information from the second transaction information stored in the message middleware and supplement the difference information into its own transaction database. The second transaction information includes the value information received by the billing system and the transaction fee calculated by the billing system based on the value information.
5. The method as described in claim 1, characterized in that, The step of processing the first transaction information using the second transaction information to obtain the third transaction information includes: Based on the second transaction information, the first transaction information is updated, and the updated first transaction information is used as the third transaction information.
6. The method as described in claim 1, characterized in that, The determination that the first reconciliation file contains missing transaction fees includes: After generating the first reconciliation file, information identification is performed on the first reconciliation file; When it is identified that at least one value information in the first reconciliation file is missing without a corresponding transaction fee, it is determined that there is missing information in the first reconciliation file.
7. The method as described in claim 1, characterized in that, The determination that the first reconciliation file contains missing transaction fees includes: If, during the generation of the first reconciliation file, it is identified that at least one piece of value information in the first transaction information lacks a corresponding transaction fee, then it is determined that there is missing information in the first reconciliation file.
8. The method according to any one of claims 1-7, characterized in that, After obtaining the second reconciliation document, the process also includes: The reconciliation process is carried out based on the second reconciliation document.
9. The method according to any one of claims 1-7, characterized in that, After identifying the first reconciliation document, the process further includes: When it is detected that there is no missing information in the first reconciliation file, the reconciliation business is processed according to the first reconciliation file.
10. A network payment clearing system, characterized in that, This includes a transaction system, a billing system, a billing system, and a message middleware, among which: The trading system is used for: The system receives a transaction request from a terminal and sends the value information of the transaction requested by the transaction request to the billing system, wherein the value information is used to indicate the transaction amount of the transaction request; The transaction fee corresponding to the value information is obtained from the billing system, and the value information and the transaction fee corresponding to the value information are used as the first transaction information and stored in its own transaction database. The billing system is used to: calculate the transaction fee corresponding to the received value information; The billing system is used to: perform the steps of the billing data processing method as described in any one of claims 1-9; The message middleware is used to store the second transaction information.
11. A billing data processing device, characterized in that, include: The bill generation module is used to generate a first reconciliation file based on the first transaction information within a preset reconciliation period. The first transaction information is stored in the transaction database of the transaction system. The first transaction information includes the value information of the transaction requested by the transaction request and the transaction fee corresponding to the value information. The first billing processing module is used to obtain second transaction information from the billing system when it is determined that there is missing information in the first reconciliation file, and to process the first transaction information using the second transaction information to obtain third transaction information. The second billing module is used to update the first reconciliation file based on the third transaction information to obtain the second reconciliation file.
12. An electronic device, characterized in that, include: Memory, used to store executable instructions; A processor is configured to read and execute executable instructions stored in the memory to implement the steps of the billing data processing method as described in any one of claims 1-9.
13. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer instructions that, when executed on a computer, cause the computer to perform the steps of the billing data processing method as described in any one of claims 1-9.