A method and device for automatic reconciliation and clearing

Abstract

The purpose of this application is to provide a method and device for automatic reconciliation and clearing. This application sets up a split-account mode for all franchise stores under the brand; obtains the consumer's consumption funds in each franchise store, and deposits the consumption funds into the brand cloud virtual account, wherein the consumption funds include payment funds and stored value funds; splits the consumption funds in the brand cloud virtual account through the split-account mode, and selects the object to be reconciled from multiple split-account processing results; automatically reconciles the object to be reconciled with the bank account system, and clears all franchise stores. In this way, the fund flow is controlled by the brand, and the actual funds can be withdrawn to the corresponding bank account only after the reconciliation is completed. The full-link funds are safer, and the actual control of funds is strengthened to avoid tax risks.

Description

Technical Field

[0001] The present application relates to the field of computers, and in particular to a method and device for automatic reconciliation and clearing. Background Art

[0002] The existing brand management of franchise stores is to sign all platform operating funds into the brand's own account. The existing method is to first obtain the brand service management fee, and then pay the remaining money to the franchise store after deducting the management fee. However, such operations often have regulatory risks and tax issues. When the income of money that does not belong to the brand is too large and the flow is too large, it will lead to serious adverse consequences. In addition, fund accounting is often very troublesome. Funds are usually settled once a week, and when hundreds of franchise stores settle once a week, the cost is often very high. Summary of the invention

[0003] One purpose of the present application is to provide a method and device for automatic reconciliation and clearing, so as to solve the problems of regulatory risks in the reconciliation method in the prior art and time-consuming and high cost of fund settlement.

[0004] According to one aspect of the present application, a method for automatic reconciliation and clearing is provided, the method comprising:

[0005] Set up a revenue-sharing model for all franchise stores under the brand;

[0006] Obtain the consumer's consumption funds at each franchise store, and deposit the consumption funds into the brand cloud virtual fund account, wherein the consumption funds include payment funds and stored value funds;

[0007] The consumption funds in the brand cloud fund virtual account are processed by the account splitting mode, and the object to be reconciled is selected from multiple account splitting results;

[0008] Automatically reconcile the objects to be reconciled with the bank account system, and clear all the franchise stores.

[0009] Optionally, set up a revenue sharing model for all franchise stores under the brand, including:

[0010] The account splitting mode is set according to the sales platform information, status and corresponding bank deposit time of each order placed by each franchise store, wherein the sales platform information includes the sales platform channel, platform channel identification information, platform order cycle and platform settlement date.

[0011] Optionally, the consumption funds in the brand cloud fund virtual account are processed by the account splitting mode, and the object to be reconciled is selected from multiple account splitting results, including:

[0012] Through the account splitting mode, the consumption funds in the brand cloud fund virtual account are split according to the user's selection operation, and the account splitting processing results are displayed on the same interface management;

[0013] On the same management interface, the account splitting processing results are displayed in a list according to each order information, and the object to be reconciled is selected from the list.

[0014] Optionally, the method comprises:

[0015] A brand store management card is established based on the identification information of all franchise stores, the binding status of the bank account and the sales platform channels.

[0016] Optionally, the method comprises:

[0017] After binding the franchise information of the franchise store whose binding status on the brand store management card is unbound to the bank account, a data package is determined, and the data package is sent to the bank account system to open a store virtual wallet.

[0018] Optionally, the object to be reconciled is automatically reconciled with the bank account system, and all the franchise stores are cleared, including:

[0019] Sending the transaction statement and withdrawal instruction corresponding to the object to be reconciled to the bank account system to automatically reconcile the virtual wallet in the store;

[0020] Obtain the reconciliation result sent by the bank account system through the bank port, and complete the clearing of all the franchise stores according to the reconciliation result.

[0021] Optionally, completing the clearing of all franchise stores according to the reconciliation result includes:

[0022] If the reconciliation result is that the account balance is balanced, the actual amount corresponding to the statement will be withdrawn to the bank account of the corresponding franchise store based on the start account splitting operation clicked by the user to complete the clearing of the franchise store.

[0023] According to another aspect of the present application, there is also provided a device for automatic reconciliation and clearing, the device comprising:

[0024] A setting device is used to set a revenue sharing mode for all franchise stores under the brand;

[0025] An acquisition device is used to acquire the consumer's consumption funds in each franchise store and deposit the consumption funds into a brand cloud fund virtual account, wherein the consumption funds include payment funds and stored value funds;

[0026] An account splitting processing device, used to perform account splitting processing on the consumption funds in the brand cloud fund virtual account through the account splitting mode, and select an object to be reconciled from multiple account splitting processing results;

[0027] The reconciliation and clearing device is used to automatically reconcile the objects to be reconciled with the bank account system and to clear all the franchise stores.

[0028] According to another aspect of the present application, there is also provided a device for automatic reconciliation and clearing, the device comprising:

[0029] one or more processors; and

[0030] A memory storing computer readable instructions, which, when executed, cause the processor to perform the operations of the method as described above.

[0031] According to another aspect of the present application, a computer-readable medium is provided, on which computer-readable instructions are stored. The computer-readable instructions can be executed by a processor to implement the method described above.

[0032] Compared with the prior art, this application sets up a split-account mode for all franchise stores under the brand; obtains the consumer's consumption funds in each franchise store, and deposits the consumption funds into the brand cloud virtual account, wherein the consumption funds include payment funds and stored value funds; splits the consumption funds in the brand cloud virtual account through the split-account mode, and selects the object to be reconciled from multiple split-account processing results; automatically reconciles the object to be reconciled with the bank account system, and clears all franchise stores. Therefore, the actual amount does not directly enter the brand account, but provides a virtual account, which is cleared and reconciled by the bank account system after clearing. The fund flow is controlled by the brand, and the actual funds can be withdrawn to the corresponding bank account only after the reconciliation is completed. The full-link funds are safer, and the actual control of funds is strengthened to avoid tax risks. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] Other features, objects and advantages of the present application will become more apparent by reading the detailed description of non-limiting embodiments made with reference to the following drawings:

[0034] Figure 1 A schematic diagram of a method flow for automatic reconciliation and clearing provided according to one aspect of the present application is shown;

[0035] Figure 2 A schematic diagram showing the display of account splitting results in one embodiment of the present application is shown;

[0036] Figure 3A schematic diagram of the structure of an automatic reconciliation and clearing device provided in yet another aspect of the present application is shown.

[0037] The same or similar reference numerals in the drawings represent the same or similar components. DETAILED DESCRIPTION

[0038] The present application is described in further detail below in conjunction with the accompanying drawings.

[0039] In a typical configuration of the present application, the terminal, the device of the service network and the trusted party all include one or more processors (eg, a central processing unit (CPU)), an input / output interface, a network interface and a memory.

[0040] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0041] Computer readable media include permanent and non-permanent, removable and non-removable media that can be used to store information by any method or technology. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, Phase-Change RAM (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of random access memory (RAM), Read-Only Memory (ROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Flash memory or other memory technology, Compact Disc Read-Only Memory (CD-ROM), Digital Versatile Disk (DVD) or other optical storage, magnetic cassettes, tape disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. According to the definition in this article, computer-readable media does not include non-transitory media such as modulated data signals and carrier waves.

[0042] Figure 1 A flow chart of a method for automatic reconciliation and clearing provided according to one aspect of the present application is shown, the method comprising: steps S11 to S14, wherein, in step S11, a split account mode is set for all franchise stores under the brand; step S12, the consumer funds in each franchise store are obtained, and the consumer funds are deposited into the brand cloud fund virtual account, wherein the consumer funds include payment funds and stored value funds; step S13, the consumer funds in the brand cloud fund virtual account are split by the split account mode, and the object to be reconciled is selected from multiple split account processing results; step S14, the object to be reconciled is automatically reconciled with the bank account system, and all franchise stores are cleared. Thus, the actual amount does not directly enter the brand account, but a virtual account is provided, and the bank account system performs clearing and reconciliation after clearing. The fund flow is controlled by the brand, and the actual funds can be withdrawn to the corresponding bank account only after the reconciliation is completed. The full-link funds are safer, and the actual control of funds is strengthened to avoid tax risks.

[0043] Specifically, in order to strengthen the brand's supervision over each store, when settling funds, an account splitting mode can be set up for all franchise stores under the brand. The account splitting mode is used to select the objects to be reconciled during the subsequent automatic reconciliation, and can be determined when selecting different time periods or different platforms; when supervising each franchise store under the brand, the funds of the franchise store are not directly collected, but the consumption funds of the consumers corresponding to each franchise store are obtained, and the consumption funds are stored in a virtual account. That is, the brand's account does not have actual funds at the beginning, but before the funds are cleared, the funds need to be virtually stored to avoid unnecessary tax problems during the subsequent clearing. Consumption funds include payment funds and stored value funds. Payment funds are the actual funds that users use to consume the current items using payment methods, and stored value funds are the amount stored by users under the current brand for subsequent consumption, such as recharging a certain amount of funds into the user account provided by the franchise store. Consumers may spend their money through different channels at franchised stores, for example, some through platform A and some through platform B. Therefore, when clearing the funds, it is necessary to separate the virtual funds under all virtual accounts according to the set account separation mode, so as to select the results of the account separation and select the objects to be reconciled with the bank. When the reconciliation operation is performed, the objects to be reconciled are automatically reconciled with the account separation system in the bank account system, and the clearing work is completed.

[0044] In some embodiments of the present application, before setting the account splitting mode, it is necessary to clarify the direction of the fund flow and first determine the fund settlement service mode, wherein the fund settlement service mode includes a cashier fund account splitting mode and a procurement service fee deduction mode; here, the settlement of funds includes income and expenditure, and income and expenditure are related to the service mode. Therefore, first determine the fund settlement service mode of the object that needs to be reconciled, which includes a cashier fund account splitting mode and a procurement service fee deduction mode. The cashier fund account splitting is divided into online cashier and offline cashier according to the different ways of channel entry, such as takeaway channel cashier and dine-in channel cashier. The procurement service fee deduction includes merchant transfer and payment entry. Merchant transfer is, for example, through store bank card transfer, and payment entry is consumer payment. When the fund settlement service model is different, the fund account that is first credited will also be different, such as whether to credit the brand first or the franchise store first. Therefore, the corresponding cloud fund virtual account is determined according to the fund settlement service model in the above steps. The cloud fund virtual account includes the brand fund virtual account of the brand and the franchise store fund virtual account. Therefore, when the fund virtual accounts are different, the objects to be cleared will also be different. For the brand, the franchise stores under the brand and, for example, the goods company will be cleared. For the franchise stores, the corresponding clearing links can be found according to the corresponding brand stores for clearing, and the supply chain company will also be cleared. The objects to be cleared that need to be cleared are connected to the bank account system for automatic reconciliation. The bank account system will settle the actual funds and withdraw the actual funds to the bank account of the corresponding clearing object.

[0045] In some embodiments of the present application, when the fund settlement service mode is the cashier fund split mode, the corresponding cloud fund virtual account is the brand fund virtual account of the brand; the information of the franchise stores and the goods company under the brand is obtained; and the franchise stores and the goods company are used as the objects for clearing. When the fund settlement service mode is the procurement service fee deduction mode, the corresponding cloud fund virtual account is the fund virtual account of the franchise store; the information of the brand corresponding to the franchise store and the supply chain company are obtained; and the brand and the supply chain company are used as the objects for clearing. Here, when clearing the brand, according to the fund settlement service mode being the cashier fund split mode, the funds received through different channels will first enter the brand's brand fund virtual account, and the brand fund virtual account will clear the franchise stores and the goods company, and the goods company and the franchise store will withdraw cash after completing the reconciliation from the bank account system. When clearing franchise stores, the fund settlement service mode is the purchase service fee deduction mode, and the funds will be collected into the franchise store's cloud fund virtual account through merchant transfer and payment entry, so that the virtual funds in the franchise store's cloud fund virtual account will clear the corresponding brand and supply chain company, and the brand will automatically reconcile with the bank account system and withdraw cash; the supply chain company withdraws cash from the bank account system. When the funds recorded in this application involve brand merchants, it will involve the brand merchant's supervision of franchise stores. Therefore, the brand merchant's brand fund virtual account is used to execute the above steps S11 to S14 to complete the reconciliation and clearing work, avoiding tax problems and account fund problems caused by poor supervision.

[0046] In some embodiments of the present application, in step S11, the account splitting mode is set according to the sales platform information, status and corresponding bank account entry time of each order placed by each franchise store, wherein the sales platform information includes the sales platform channel, platform channel identification information, platform order cycle and platform settlement date. Here, when setting the account splitting mode, it is set according to the sales platform information, status and corresponding bank account entry time of each order, wherein the status is whether the account has been reconciled, so that the account splitting information that has not been reconciled can be selected for reconciliation. The sales platform information includes the sales platform channels, such as dine-in, Meituan, and Ele.me. Each platform channel has corresponding identification information, namely, the platform ID. When splitting the account according to each channel, it is also necessary to combine the time of placing an order on the platform channel, so as to consider the platform order cycle and the platform settlement date to split the account.

[0047] In some embodiments of the present application, in step S13, the consumption funds in the brand cloud fund virtual account are split according to the user's selection operation through the split account mode, and the split account processing results are displayed on the same interface management; the split account processing results are displayed in a list according to each order information on the same interface management, and the object to be reconciled is selected from the list. Figure 2 As shown, when setting up account splitting, you can do it according to all platforms or according to a single platform. For example, if you select the bank deposit time within the past 7 days, the consumption funds in the virtual account will be split, and the account splitting result is based on the user's selection operation. For example, if the user selects the platform and other information, you can get multiple account splitting entries, each of which includes the platform, the incoming account number, the bank deposit time, etc. For example, if the platform selected by the user is all, the corresponding bank deposit time and bank deposit amount, the current status, the platform order cycle, and the platform settlement date, etc. are displayed on the interface management, and the account splitting processing results of each franchise store are displayed, so that each account splitting result is displayed in a list according to the information of each order on the same interface management, where the order information can be based on the identification information of the franchise store, and the identification information of the franchise store is distinguished according to the incoming account number. When the user selects all platforms, the status selects all, and the bank deposit time selects the past 7 days, the corresponding account splitting result is as follows Figure 2 As shown, you can select the object to be reconciled from the list and select from the corresponding ledger results with the status of "to be reconciled" to start reconciliation.

[0048] In some embodiments of the present application, the method includes: establishing a brand store management card based on the identification information of all franchise stores, the binding status of the bank account, and the sales platform channel. Here, when performing account splitting, a brand store management card is established for each franchise store. The card is established based on the identification information of each franchise store, the binding status of the bank account, and the sales platform channel. When managing the store, the card includes the ID of each sales channel filled in by each franchise store and the account number of the store, and obtains the specific franchisee information filled in by the user and the bank card of the bound franchisee.

[0049] Continuing with the above embodiment, the method includes: determining a data package after binding the franchise information of the franchise store whose bank account binding status on the brand store management card is unbound to the bank account, and sending the data package to the bank account system to open a store virtual wallet. Here, on each brand store management card, there is bank account binding status information, that is, some franchise stores have bound bank accounts, and some have not yet bound, then the unbound franchise stores are bound and then the data package is determined, the data package includes all the information of the current franchise stores, and the data package is sent to the bank account system to open a virtual wallet. After the opening is successful, the franchise store can withdraw the funds in the virtual wallet to the bank card.

[0050] In some embodiments of the present application, in step S14, the running bills and withdrawal instructions corresponding to the object to be reconciled are sent to the bank account system to automatically reconcile the virtual wallet in the store; the reconciliation result sent by the bank account system through the bank port is obtained, and the clearing of all the franchise stores is completed according to the reconciliation result. Here, the running bills of the selected reconciliation object that needs to be reconciled are provided to the bank account system, and a withdrawal instruction is sent to the bank account system, so that the bank account system reconciles the running bills according to the instruction, obtains the reconciliation result sent by the bank port after the reconciliation, and then clears the franchise stores according to the reconciliation result.

[0051] In some embodiments of the present application, in step S14, if the reconciliation result is that the account amount is balanced, the actual amount corresponding to the running bill is withdrawn to the bank account of the corresponding franchise store based on the start account splitting operation clicked by the user, and the clearing of the franchise store is completed. Here, when reconciling, if the reconciliation result returned by the bank account system is that the account amount is balanced, the start account splitting operation clicked by the user is obtained, so that the actual amount is withdrawn to the bank account of the corresponding franchise store. The withdrawal of funds from the franchise store is completed through the reconciliation of the brand's virtual account and the bank account system. The brand controls the capital flow, and the actual funds are reconciled and withdrawn by the bank system, making the full-link funds safer.

[0052] In addition, an embodiment of the present application also provides a computer-readable medium on which computer-readable instructions are stored, and the computer-readable instructions can be executed by a processor to implement the aforementioned method of automatic reconciliation and clearing.

[0053] Corresponding to the method described above, the present application also provides a terminal, which includes a terminal capable of executing the above Figure 1 or Figure 2The modules or units of the method steps described in each embodiment may be implemented by hardware, software or a combination of hardware and software, which is not limited in this application. For example, in one embodiment of this application, a device for automatic reconciliation and clearing is also provided, and the device includes:

[0054] one or more processors; and

[0055] A memory storing computer readable instructions, which, when executed, cause the processor to perform the operations of the method as described above.

[0056] For example, the computer readable instructions, when executed, cause the one or more processors to:

[0057] Set up a revenue-sharing model for all franchise stores under the brand;

[0058] Obtain the consumer's consumption funds at each franchise store and deposit the consumption funds into the brand cloud virtual fund account, wherein the consumption funds include payment funds and stored value funds;

[0059] The consumption funds in the brand cloud fund virtual account are processed by the account splitting mode, and the object to be reconciled is selected from multiple account splitting results;

[0060] Automatically reconcile the objects to be reconciled with the bank account system, and clear all the franchise stores.

[0061] Figure 3 A structural schematic diagram of an automatic reconciliation and clearing device provided by another aspect of the present application is shown, the device comprising: a setting device 11, an acquisition device 12, an account splitting processing device 13 and a reconciliation and clearing device 14, wherein the setting device 11 is used to set an account splitting mode for all franchise stores under the brand; the acquisition device 12 is used to acquire the consumer's consumption funds in each franchise store, and deposit the consumption funds into a brand cloud fund virtual account, wherein the consumption funds include payment funds and stored value funds; the account splitting processing device 13 is used to split the consumption funds in the brand cloud fund virtual account through the account splitting mode, and select an object to be reconciled from multiple account splitting processing results; the reconciliation and clearing device 14 is used to automatically reconcile the object to be reconciled with the bank account system, and clear all the franchise stores.

[0062] It should be noted that the contents executed by the setting device 11, the obtaining device 12, the account splitting processing device 13 and the account reconciliation and clearing device 14 are respectively the same or correspondingly the same as the contents in the above steps S11, S12, S13 and S14, and for the sake of simplicity, they are not repeated here.

[0063] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

[0064] It should be noted that the present application can be implemented in software and / or a combination of software and hardware, for example, can be implemented using an application specific integrated circuit (ASIC), a general purpose computer or any other similar hardware device. In one embodiment, the software program of the present application can be executed by a processor to implement the steps or functions described above. Similarly, the software program of the present application (including relevant data structures) can be stored in a computer-readable recording medium, for example, a RAM memory, a magnetic or optical drive or a floppy disk and similar devices. In addition, some steps or functions of the present application can be implemented using hardware, for example, as a circuit that cooperates with a processor to perform each step or function.

[0065] In addition, a part of the present application may be applied as a computer program product, such as a computer program instruction, which, when executed by a computer, can call or provide the method and / or technical solution according to the present application through the operation of the computer. The program instruction for calling the method of the present application may be stored in a fixed or removable recording medium, and / or transmitted through a data stream in a broadcast or other signal-bearing medium, and / or stored in a working memory of a computer device that runs according to the program instruction. Here, according to an embodiment of the present application, a device is included, the device including a memory for storing computer program instructions and a processor for executing program instructions, wherein, when the computer program instruction is executed by the processor, the device is triggered to run the method and / or technical solution based on the aforementioned multiple embodiments according to the present application.

[0066] It is obvious to those skilled in the art that the present application is not limited to the details of the above exemplary embodiments, and that the present application can be implemented in other specific forms without departing from the spirit or basic features of the present application. Therefore, from any point of view, the embodiments should be regarded as exemplary and non-restrictive, and the scope of the present application is limited by the attached claims rather than the above description, so it is intended to include all changes that fall within the meaning and scope of the equivalent elements of the claims in the present application. Any figure mark in the claims should not be regarded as limiting the claims involved. In addition, it is obvious that the word "comprising" does not exclude other units or steps, and the singular does not exclude the plural. Multiple units or devices stated in the device claim can also be implemented by one unit or device through software or hardware. The words first, second, etc. are used to indicate names, and do not indicate any particular order.

Claims

1. A method for automatic reconciliation and clearing, characterized in that: The method comprises: A split-account model is set up for all franchised stores under the brand. The fund settlement service model is a cashier fund split-account model. Cashier fund split-account is divided into online cashier and offline cashier according to different channel entry methods. Obtain the consumer's consumption funds at each franchise store and deposit the consumption funds into the brand cloud virtual fund account, wherein the consumption funds include payment funds and stored value funds; The consumption funds in the brand cloud fund virtual account are processed by the account splitting mode, and the object to be reconciled is selected from multiple account splitting results; Automatically reconcile the objects to be reconciled with the bank account system and clear all the franchise stores; Among them, a revenue sharing model is set up for all franchise stores under the brand, including: The account splitting mode is set according to the sales platform information, status and corresponding bank deposit time of each order placed by each franchise store, wherein the sales platform information includes the sales platform channel, platform channel identification information, platform order cycle and platform settlement date; Among them, the consumption funds in the brand cloud fund virtual account are processed by the account splitting mode, and the objects to be reconciled are selected from multiple account splitting processing results, including: Through the account splitting mode, the consumption funds in the brand cloud fund virtual account are split according to the user's selection operation, and the account splitting processing results are displayed on the same interface management; On the same management interface, the account splitting processing results are displayed in a list according to each order information, and the object to be reconciled is selected from the list.

2. The method according to claim 1, characterized in that The method comprises: A brand store management card is established based on the identification information of all franchise stores, the binding status of the bank account and the sales platform channels.

3. The method according to claim 2, characterized in that The method comprises: After binding the franchise information of the franchise store whose binding status on the brand store management card is unbound to the bank account, a data package is determined, and the data package is sent to the bank account system to open a store virtual wallet.

4. The method according to claim 3, characterized in that Automatically reconcile the objects to be reconciled with the bank account system, and clear all franchise stores, including: Sending the transaction statement and withdrawal instruction corresponding to the object to be reconciled to the bank account system to automatically reconcile the virtual wallet in the store; Obtain the reconciliation result sent by the bank account system through the bank port, and complete the clearing of all the franchise stores according to the reconciliation result.

5. The method according to claim 4, characterized in that Complete the clearing of all franchise stores according to the reconciliation results, including: If the reconciliation result is that the account balance is balanced, the actual amount corresponding to the statement will be withdrawn to the bank account of the corresponding franchise store based on the start account splitting operation clicked by the user to complete the clearing of the franchise store.

6. An automatic reconciliation and clearing device, characterized in that: The device comprises: A setting device is used to set a split account mode for all franchise stores under the brand, wherein the fund settlement service mode is a cashier fund split account mode, and the cashier fund split account is divided into online cashier and offline cashier according to different channel entry methods; An acquisition device is used to acquire the consumer's consumption funds in each franchise store and deposit the consumption funds into a brand cloud fund virtual account, wherein the consumption funds include payment funds and stored value funds; An account splitting processing device, used to perform account splitting processing on the consumption funds in the brand cloud fund virtual account through the account splitting mode, and select an object to be reconciled from multiple account splitting processing results; A reconciliation and clearing device, used to automatically reconcile the objects to be reconciled with the bank account system and to clear all the franchise stores; Wherein, the setting device is used for: The account splitting mode is set according to the sales platform information, status and corresponding bank deposit time of each order placed by each franchise store, wherein the sales platform information includes the sales platform channel, platform channel identification information, platform order cycle and platform settlement date; The account splitting processing device is used for: Through the account splitting mode, the consumption funds in the brand cloud fund virtual account are split according to the user's selection operation, and the account splitting processing results are displayed on the same interface management; On the same management interface, the account splitting processing results are displayed in a list according to each order information, and the object to be reconciled is selected from the list.

7. An automatic reconciliation and clearing device, characterized in that: The device comprises: one or more processors; and A memory storing computer readable instructions which, when executed, cause the processor to perform the operations of the method as claimed in any one of claims 1 to 5.

8. A computer-readable medium having computer-readable instructions stored thereon, wherein the computer-readable instructions can be executed by a processor to implement the method according to any one of claims 1 to 5.

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