A modular reconciliation method and system based on freight platform

Abstract

The present invention provides a modular reconciliation method and system based on a freight platform, the method comprising: firstly, performing a fund flow association reconciliation between a business platform and a payment platform, then performing a fund flow association reconciliation between a payment platform and a bank, and finally, performing a comprehensive reconciliation between the business platform, the payment platform, and the bank based on the reconciliation results of both sides. The system mainly comprises a waybill number fund flow in / out module, a payment order number fund flow in / out module, and an inter-account fund flow in / out module. The three modules are deployed using separate services and isolated from each other to ensure that the reconciliation process is relatively independent. The data after the reconciliation is completed is independently stored in the reconciliation system, which is convenient for later statistics of various dimensions of the data. All links of the fund flow reconciliation of a business order number are unified in a reconciliation system platform, which does not affect the normal operation of the business, and can automatically check each in / out of the fund flow, and can assist in financial reconciliation and generate corresponding fund flow reports.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a modular reconciliation method and system based on a freight platform. Background Art

[0002] The main roles involved in the capital flow of the freight platform include the platform, enterprises, drivers, banks, etc. Due to the large number of roles, long waybill cycle, complex capital flow, and multiple payment systems, the reconciliation process is complicated, time-consuming, and reconciliation data is missed. This process may produce certain abnormal orders or capital flow problems due to business process problems. In this way, reconciliation may be inconsistent due to system data asynchrony, thereby bringing additional reconciliation time costs to various business systems or capital-related parties.

[0003] Therefore, how to ensure the consistency of system data and reduce the time cost of reconciliation is a technical problem that needs to be solved urgently. Summary of the invention

[0004] The present invention provides a modular reconciliation method and system based on a freight platform to solve the problem of inconsistent reconciliation caused by data asynchrony in the traditional reconciliation process.

[0005] According to one aspect of the present invention, the present invention provides a modular reconciliation method based on a freight platform, comprising the following steps:

[0006] After the enterprise pays the freight, refunds, withdraws cash, or recharges, it generates the inbound and outbound fund flows of the waybill number on the business platform and stores them in the warehouse in segments, and initiates a payment request at the same time;

[0007] After receiving the payment request, the payment platform generates the inflow and outflow fund flow of the payment order number and stores it in the warehouse, and initiates the inter-account payment request at the same time;

[0008] After receiving the inter-account payment request, the bank generates the inter-account inflow and outflow fund flows and stores them in detail; the life cycle of a single waybill number is completed and a reconciliation request is initiated;

[0009] The first associated funds flow reconciliation is performed between the inbound and outbound funds flow of the waybill number and the inbound and outbound funds flow of the payment order number based on the association between the business order number and the payment order number;

[0010] After the first associated fund flow reconciliation is completed, the second associated fund flow reconciliation is performed between the payment order number inflow and outflow fund flow and the inter-account inflow and outflow fund flow based on the association between the payment order number and the bank order number;

[0011] After the reconciliation of the second related fund flow is completed, the total incoming and outgoing items on both sides are statistically classified according to the business order number, bank order number, expenditure account, and income account, and the total amount is compared to see if they are consistent. If they are consistent, it means that the reconciliation is normal; if they are inconsistent, the business platform and payment platform are notified that there are reconciliation differences, and the relevant data are sent to the business platform and payment platform. After the business platform and payment platform confirm that they are correct, reconciliation is initiated again until the reconciliation is successful.

[0012] Preferably, a first associated funds flow reconciliation is performed between the inbound and outbound funds flow of the waybill number and the inbound and outbound funds flow of the payment order number according to the association between the business order number and the payment order number, specifically including:

[0013] Query the payment order number in the inflow and outflow funds flow of the waybill number based on the business order number, and query the inflow and outflow funds flow of the payment order number based on the payment order number, and compare whether the amounts of the inflow and outflow funds flow of the waybill number are consistent with the inflow and outflow funds flow of the payment order number. If they are inconsistent, notify the business platform and the payment platform to check the data consistency in time; if they are consistent, start the second related funds flow reconciliation between the inflow and outflow funds flow of the payment order number and the inflow and outflow funds flow between accounts.

[0014] Preferably, a second associated funds flow reconciliation is performed between the payment order number inflow and outflow funds flow and the inter-account inflow and outflow funds flow according to the association between the payment order number and the bank account, specifically including:

[0015] According to the bank order number in the inflow and outflow of the payment order number, query the inflow and outflow of the funds between the accounts, and compare whether the amounts of the inflow and outflow of the payment order number are consistent with the inflow and outflow of the funds between the accounts. If they are inconsistent, notify the payment platform to check the data abnormalities and communicate with the bank side about the accounts receivable; if they are consistent, start the comprehensive reconciliation between the inflow and outflow of the waybill number, the inflow and outflow of the payment order number, and the inflow and outflow of the funds between the accounts.

[0016] Preferably, the inbound and outbound capital flows of the waybill number include: business order number, business initiator, business completer, business expenses, and payment order number.

[0017] Preferably, the inflow and outflow funds flow of the payment order number includes: payment order number, payer, payer account number, recipient, recipient account number, payment fee, and bank order number.

[0018] Preferably, the inflow and outflow fund flows between accounts include: bank order number, expenditure account, income account, transaction type, transaction amount, and transaction order number.

[0019] According to another aspect of the present invention, the present invention provides a modular reconciliation system based on a freight platform, including: a waybill number inbound and outbound fund flow module, a payment order number inbound and outbound fund flow module, an account inbound and outbound fund flow module, a first associated fund flow reconciliation module, a second associated fund flow reconciliation module and a reconciliation result two-way comparison module;

[0020] After the enterprise pays the freight, refunds, withdraws cash, or recharges, the business platform generates the waybill number inbound and outbound capital flow and sends it to the waybill number inbound and outbound capital flow module for segmentation and storage, and initiates a payment request at the same time;

[0021] After receiving the payment request, the payment platform generates the payment order number inflow and outflow fund flow and sends it to the payment order number inflow and outflow fund flow module for segmentation and storage, and initiates the inter-account payment request at the same time;

[0022] After receiving the inter-account payment request, the bank generates the inter-account inflow and outflow fund flow and sends it to the account inflow and outflow fund flow module for segmentation and storage; the life cycle of a single waybill number is completed and a reconciliation request is initiated;

[0023] The waybill number inbound and outbound funds flow module and the payment order number inbound and outbound funds flow module perform first associated funds flow reconciliation in the first associated funds flow reconciliation module according to the association between the business order number and the payment order number;

[0024] When the reconciliation of the first associated fund flow reconciliation module is completed, the payment order number inflow and outflow fund flow module and the inter-account inflow and outflow fund flow module perform a second associated fund flow reconciliation in the second associated fund flow reconciliation module according to the association between the payment order number and the bank order number;

[0025] When the reconciliation of the second associated funds flow reconciliation module is completed, the reconciliation result two-way comparison module will classify the total input and output items on both sides according to the business order number, payment order number, expenditure account and income account, and compare whether the total amount is consistent. If it is consistent, it means that the reconciliation is normal; if it is inconsistent, the business platform and payment platform are notified that there are reconciliation differences, and the relevant data are sent to the business platform and payment platform. After the business platform and payment platform confirm that there are no errors, the reconciliation is reinitiated until the reconciliation is successful.

[0026] Preferably, the first associated funds flow reconciliation module is used to query the payment order number in the inflow and outflow funds flow of the waybill number according to the business order number, query the inflow and outflow funds flow of the payment order number according to the payment order number, compare whether the amounts of the inflow and outflow funds flow of the waybill number are consistent with the inflow and outflow funds flow of the payment order number, if they are inconsistent, notify the business platform and the payment platform to check the data consistency in time; if they are consistent, start the second associated funds flow reconciliation between the inflow and outflow funds flow of the payment order number and the inflow and outflow funds flow between accounts.

[0027] Preferably, the second associated funds flow reconciliation module is used to query the inflow and outflow funds flow between the accounts according to the bank order number in the inflow and outflow funds flow of the payment order number, and compare whether the amount of the inflow and outflow funds flow of the payment order number is consistent with the amount of the inflow and outflow funds flow between the accounts; if they are inconsistent, notify the payment platform to check the data abnormalities and communicate with the bank side about the accounts; if they are consistent, start the comprehensive reconciliation among the inflow and outflow funds flow of the waybill number, the inflow and outflow funds flow of the payment order number, and the inflow and outflow funds flow between accounts.

[0028] The present invention provides a modular reconciliation method and system based on a freight platform. By modularizing the reconciliation system, all aspects of the cash flow reconciliation of a business order number are unified on a single platform, which does not affect the normal operation of the business, and can automatically check each inflow and outflow of the cash flow, while assisting financial reconciliation, improving reconciliation efficiency, and saving time costs for reconciliation. In addition, since the data of each platform are sent to the reconciliation system, the reconciliation system can also generate corresponding cash flow reports according to different roles, such as the cash flow of the enterprise every week and every month, including cash flow details, etc. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] The present invention will be further described below with reference to the accompanying drawings and embodiments, in which:

[0030] Figure 1 It is a flow chart of a modular reconciliation method based on a freight platform of the present invention;

[0031] Figure 2 It is a structural diagram of a modular reconciliation system based on a freight platform of the present invention. DETAILED DESCRIPTION

[0032] In order to have a clearer understanding of the technical features, purposes and effects of the present invention, specific embodiments of the present invention are now described in detail with reference to the accompanying drawings.

[0033] refer to Figure 1 The present invention provides a modular reconciliation method based on a freight platform, comprising the following steps:

[0034] After the enterprise pays the freight, refunds, withdraws cash, or recharges, it generates the inbound and outbound fund flows of the waybill number on the business platform and stores them in the warehouse in segments, and initiates a payment request at the same time;

[0035] After receiving the payment request, the payment platform generates the inflow and outflow fund flow of the payment order number and stores it in the warehouse, and initiates the inter-account payment request at the same time;

[0036] After receiving the inter-account payment request, the bank generates the inter-account inflow and outflow fund flows and stores them in detail; the life cycle of a single waybill number is completed and a reconciliation request is initiated;

[0037] The first associated funds flow reconciliation is performed between the inbound and outbound funds flow of the waybill number and the inbound and outbound funds flow of the payment order number based on the association between the business order number and the payment order number, that is, the reconciliation between the business platform and the payment platform;

[0038] The first related fund flow reconciliation is as follows:

[0039] Query the payment order number in the inflow and outflow fund flow of the waybill number according to the business order number, query the inflow and outflow fund flow of the payment order number according to the payment order number, compare whether the amount of the inflow and outflow fund flow of the waybill number is consistent with that of the inflow and outflow fund flow of the payment order number, if not, notify the business platform and the payment platform to check the data consistency in time; if consistent, the first associated fund flow reconciliation is completed, and the second associated fund flow reconciliation is performed between the inflow and outflow fund flow of the payment order number and the inflow and outflow fund flow between accounts according to the association between the payment order number and the bank order number, that is, the reconciliation between the payment platform and the bank;

[0040] The second related fund flow reconciliation is as follows:

[0041] According to the bank order number in the inflow and outflow of the payment order number, query the inflow and outflow of the funds between the accounts, and compare whether the amounts of the inflow and outflow of the payment order number are consistent with the inflow and outflow of the funds between the accounts. If they are inconsistent, notify the payment platform to check the data abnormalities and communicate with the bank side about the accounts; if they are consistent, the reconciliation of the second related funds flow is completed.

[0042] Start comprehensive reconciliation between business platform, payment platform and bank, specifically:

[0043] After the total input and output of both sides are statistically classified according to the business order number, bank order number, expenditure account, and income account, the total amount is compared to see if they are consistent. If they are consistent, it means that the reconciliation is normal; if they are inconsistent, the business platform and the payment platform are notified that there are reconciliation differences. The business platform takes out the payment order number from the business data and compares it with the payment order number of the payment platform. If they are consistent, the amount and expense type corresponding to the payment order number are compared to see if they are consistent. If they are inconsistent, it means that the payment platform has a problem of missing data or there is an abnormal call problem between the business platform and the payment platform. The business platform needs to re-initiate a payment call to the payment platform according to the payment order number until the payment is successful, so as to ensure that the payment order numbers on both sides are consistent. Next, confirm whether the payment amount and expense type corresponding to the payment order number are consistent. If they are inconsistent, it means that there is a problem with the settlement of the payment platform. The payment platform needs to first check whether there is an abnormality on this platform. If there is a problem with the payment platform itself, confirm whether it is necessary to call the bank interface to re-initiate supplementary payment. If not, the payment platform should repair its own data and re-reconcile with the business platform. If there is no problem with the business process of the payment platform itself, but the payment is abnormal due to the abnormality of the bank system, it is necessary to check with the bank and the bank will correct or supplement the payment data, and then push the correct payment data to the payment platform again. Finally, after the business platform and the payment platform confirm that the data is correct, re-initiate the reconciliation until the reconciliation is successful.

[0044] Another abnormal scenario is the problem of duplicate payments caused by business platform abnormalities. Although the probability of this abnormality is small, if there is an inconsistency in reconciliation, the business platform also needs to investigate. After duplicate payments occur, the only way is to re-initiate a payment refund through the payment order number corresponding to the waybill number to ensure the consistency of data on both sides.

[0045] refer to Figure 2 , this embodiment also provides a modular reconciliation system based on a freight platform, including: a waybill number inbound and outbound funds flow module, a payment order number inbound and outbound funds flow module, an account inbound and outbound funds flow module, a first associated funds flow reconciliation module, a second associated funds flow reconciliation module and a reconciliation result two-way comparison module;

[0046] After the enterprise pays the freight, refunds, withdraws cash, or recharges, the business platform generates the waybill number inbound and outbound capital flow and sends it to the waybill number inbound and outbound capital flow module for segmentation and storage, and initiates a payment request at the same time;

[0047] After receiving the payment request, the payment platform generates the payment order number inflow and outflow fund flow and sends it to the payment order number inflow and outflow fund flow module for segmentation and storage, and initiates the inter-account payment request at the same time;

[0048] After receiving the inter-account payment request, the bank generates the inter-account inflow and outflow fund flow and sends it to the account inflow and outflow fund flow module for segmentation and storage; the life cycle of a single waybill number is completed and a reconciliation request is initiated;

[0049] The waybill number inbound and outbound funds flow module and the payment order number inbound and outbound funds flow module perform first associated funds flow reconciliation in the first associated funds flow reconciliation module according to the association between the business order number and the payment order number;

[0050] When the reconciliation of the first associated fund flow reconciliation module is completed, the payment order number inflow and outflow fund flow module and the inter-account inflow and outflow fund flow module perform a second associated fund flow reconciliation in the second associated fund flow reconciliation module according to the association between the payment order number and the bank order number;

[0051] When the reconciliation of the second associated funds flow reconciliation module is completed, the reconciliation result two-way comparison module will classify the total input and output items on both sides according to the business order number, payment order number, expenditure account and income account, and compare whether the total amount is consistent. If it is consistent, it means that the reconciliation is normal; if it is inconsistent, the business platform and payment platform are notified that there are reconciliation differences, and the relevant data are sent to the business platform and payment platform. After the business platform and payment platform confirm that there are no errors, the reconciliation is reinitiated until the reconciliation is successful.

[0052] In this embodiment, the business platform generates the waybill number inflow and outflow funds flow, and sends it to the waybill number inflow and outflow funds flow module for segmentation and storage, including the business order number, business initiator, business completion party, business expenses, payment order number, etc. For example, the waybill number is PT25632458554. After driver C completes the transportation of goods and successfully unloads the goods, the enterprise party A will generate the corresponding payment flow on the business platform B, such as freight: A->B->C, the fee is 1000, technical service fee: A->B, the fee is 10, and the dispatch fee: A->B, the fee is 100. In this way, the enterprise actually needs to spend 1110 in total. These three flows need to generate a total of 4 payment records. B will synchronize the flow data to the waybill number inflow and outflow funds flow module in message mode from the waybill number dimension. The data structure is as follows:

[0053] Data 1

[0054]

[0055]

[0056] After receiving the message, the waybill number capital flow inflow and outflow module saves the data structure corresponding to the waybill number capital flow inflow and outflow. Then business platform B initiates the payment of these 4 transactions to payment platform E. After payment platform E pays bank F, it synchronizes the payment data to the payment order number capital flow module. The data structure is as follows:

[0057] Data 2

[0058]

[0059]

[0060]

[0061] The payment order number inflow and outflow fund flow module stores the payment order number inflow and outflow fund flow according to the payment order number, payer (fromPayer), payer account (fromEleAcccount), recipient (toPayer), recipient account (toEleAcccount), payment fee (amount), bank order number (bankNumber) and other data. The bank side belongs to the external system, but the corresponding reconciliation file will be pushed after each payment is completed. Therefore, after receiving the payment request from the payment platform, the bank side will balance the inflow and outflow between accounts based on the bank order number, expenditure account, income account, and transaction amount. After completion, the transaction data or file will be pushed to the inter-account inflow and outflow fund flow module. After receiving the data pushed by the bank, the inter-account inflow and outflow fund flow module will integrate the data into the inter-account inflow and outflow fund flow of the cost system. The data format is as follows:

[0062] Data 3

[0063]

[0064]

[0065] After the life cycle of a single business order number PT25632458554 is completed, the reconciliation system is notified to initiate reconciliation, and the reconciliation between the waybill number inflow and outflow fund flow module (business platform B) and the payment order number inflow and outflow fund flow module (payment platform E) is performed. All waybill number inflow and outflow fund flow data are queried according to the order number PT25632458554, such as data 1, which contains the payNumber (payment order number) field. The payNumber (payment order number) field is used to query all corresponding payment order number inflow and outflow fund flow data in the payment order number inflow and outflow fund flow module, such as data 2, and compare whether the amounts of the two sets of data are consistent, that is, whether they are 1110. If they are inconsistent, notify business platform B and payment platform E to check the data consistency in time. If they are consistent, start the reconciliation between the payment order number inflow and outflow fund flow module (payment platform E) and the inter-account inflow and outflow fund flow module (bank F), take out the bankNumber (bank order number) field in data 2, query the data pushed by the bank in data 3, that is, the inter-account inflow and outflow fund flow data, and compare whether the payment amounts on both sides are 1110. If they are inconsistent, notify payment platform E to check the data abnormalities and communicate with the bank side at the same time. If normal, start to compare the data of both parties. This reconciliation is a comprehensive reconciliation of business platform B, payment platform E and bank F. The results of the two bilateral reconciliations are compared according to the business order number stockNo, payment order number payNumber, bank order number bankNumber, expenditure account fromEleAcccount, income account toEleAcccount and other statistical classifications to see if the total amount is consistent. If they are consistent, it means that the reconciliation is normal, generate a reconciliation flow chart, notify the finance department to verify, and after the finance department confirms that there are no errors, seal the reconciliation data of the business number and do not modify it. If there is any inconsistency, notify the business platform and payment platform that there is a reconciliation difference, and send the relevant order number to the corresponding platform to check the data consistency. At the same time, it is necessary to ask the bank to assist in the reconciliation.

[0066] In this way, all aspects of the fund flow reconciliation of a business order number are unified on one platform, which does not affect the normal operation of the business, but can automatically check each inflow and outflow of the fund flow, and assist in financial reconciliation. In addition, since the data of each platform is sent to the reconciliation system, the reconciliation system can also generate corresponding fund flow reports according to different roles, such as the company's weekly and monthly fund flow, including fund flow details, etc.

[0067] It should be noted that, in this article, the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or system including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or system. In the absence of further restrictions, an element defined by the sentence "comprises a ..." does not exclude the existence of other identical elements in the process, method, article or system including the element.

[0068] The serial numbers of the embodiments of the present invention are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments. In a unit claim that lists several means, several of these means may be embodied by the same hardware item. The use of the words first, second, and third, etc. does not indicate any order and these words may be interpreted as identifiers.

[0069] The above are only preferred embodiments of the present invention, and are not intended to limit the patent scope of the present invention. Any equivalent structure or equivalent process transformation made using the contents of the present invention specification and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present invention.

Claims

1. A modular reconciliation method based on freight platform, It is characterized in that The following steps are involved: After the enterprise pays the freight, refunds, withdraws cash, or recharges, it generates the inbound and outbound fund flows of the waybill number on the business platform and stores them in the warehouse in segments, and initiates a payment request at the same time; After receiving the payment request, the payment platform generates the inflow and outflow fund flow of the payment order number and stores it in the warehouse, and initiates the inter-account payment request at the same time; After receiving the inter-account payment request, the bank generates the inter-account inflow and outflow fund flows and stores them in detail; the life cycle of a single waybill number is completed and a reconciliation request is initiated; The first associated funds flow reconciliation is performed between the inbound and outbound funds flow of the waybill number and the inbound and outbound funds flow of the payment order number based on the association between the business order number and the payment order number; After the first associated fund flow reconciliation is completed, the second associated fund flow reconciliation is performed between the payment order number inflow and outflow fund flow and the inter-account inflow and outflow fund flow based on the association between the payment order number and the bank order number; After the reconciliation of the second-related fund flow is completed, the total input and output items on both sides are statistically classified according to the business order number, bank order number, expenditure account, and income account, and the total amount is compared to see if it is consistent. If it is consistent, it means that the reconciliation is normal; If there is any inconsistency, notify the business platform and payment platform that there is a reconciliation discrepancy, send the relevant data to the business platform and payment platform, and after the business platform and payment platform confirm that there is no error, re-initiate the reconciliation until the reconciliation is successful; The first associated funds flow reconciliation is performed between the inbound and outbound funds flow of the waybill number and the inbound and outbound funds flow of the payment order number according to the association between the business order number and the payment order number, specifically including: Query the payment order number in the inflow and outflow fund flow of the waybill number according to the business order number, query the inflow and outflow fund flow of the payment order number according to the payment order number, compare whether the amount of the inflow and outflow fund flow of the waybill number is consistent with the amount of the inflow and outflow fund flow of the payment order number, if not, notify the business platform and the payment platform to check the data consistency in time; if consistent, start the second associated fund flow reconciliation between the inflow and outflow fund flow of the payment order number and the inflow and outflow fund flow between accounts; The second associated funds flow reconciliation is performed between the payment order number inflow and outflow funds flow and the inter-account inflow and outflow funds flow according to the association between the payment order number and the bank order number, specifically including: Query the bank order number in the inflow and outflow of the payment order number according to the payment order number, query the inflow and outflow of the funds between the accounts according to the bank order number, compare the amount of the inflow and outflow of the payment order number with the inflow and outflow of the funds between the accounts to see if they are consistent. If they are inconsistent, notify the payment platform to check the data abnormalities and communicate with the bank side about the accounts receivable; if they are consistent, start the comprehensive reconciliation between the inflow and outflow of the waybill number, the inflow and outflow of the payment order number, and the inflow and outflow of the funds between the accounts.

2. A modular reconciliation method based on a freight platform as claimed in claim 1, It is characterized in that The inbound and outbound capital flows of the waybill number include: business order number, business initiator, business completion party, business expenses, and payment order number; The inflow and outflow funds flow of the payment order number includes: payment order number, payer, payer account number, recipient, recipient account number, payment fee, and bank order number; The inflow and outflow fund flows between accounts include: bank order number, expenditure account, income account, transaction type, transaction amount, and transaction order number.

3. A modular reconciliation system based on freight platform, It is characterized in that include: Waybill number inbound and outbound fund flow module, payment order number inbound and outbound fund flow module, account inbound and outbound fund flow module, first associated fund flow reconciliation module, second associated fund flow reconciliation module and reconciliation result two-way comparison module; After the enterprise pays the freight, refunds, withdraws cash, or recharges, the business platform generates the waybill number inbound and outbound capital flow and sends it to the waybill number inbound and outbound capital flow module for segmentation and storage, and initiates a payment request at the same time; After receiving the payment request, the payment platform generates the payment order number inflow and outflow fund flow and sends it to the payment order number inflow and outflow fund flow module for segmentation and storage, and initiates the inter-account payment request at the same time; After receiving the inter-account payment request, the bank generates the inter-account inflow and outflow fund flow and sends it to the account inflow and outflow fund flow module for segmentation and storage; the life cycle of a single waybill number is completed and a reconciliation request is initiated; The waybill number inbound and outbound funds flow module and the payment order number inbound and outbound funds flow module perform first associated funds flow reconciliation in the first associated funds flow reconciliation module according to the association between the business order number and the payment order number; When the reconciliation of the first associated fund flow reconciliation module is completed, the payment order number inflow and outflow fund flow module and the inter-account inflow and outflow fund flow module perform a second associated fund flow reconciliation in the second associated fund flow reconciliation module according to the association between the payment order number and the bank order number; When the reconciliation of the second associated fund flow reconciliation module is completed, the reconciliation result two-way comparison module will classify the total incoming and outgoing items on both sides according to the business order number, payment order number, expenditure account, and income account, and compare whether the total amount is consistent. If it is consistent, it means that the reconciliation is normal; If there is any inconsistency, notify the business platform and payment platform that there is a reconciliation discrepancy, send the relevant data to the business platform and payment platform, and after the business platform and payment platform confirm that there is no error, re-initiate the reconciliation until the reconciliation is successful; The first associated funds flow reconciliation module is used to query the payment order number in the inflow and outflow funds flow of the waybill number according to the business order number, query the inflow and outflow funds flow of the payment order number according to the payment order number, compare whether the amount of the inflow and outflow funds flow of the waybill number is consistent with the amount of the inflow and outflow funds flow of the payment order number, if not consistent, notify the business platform and the payment platform to check the data consistency in time; if consistent, start the second associated funds flow reconciliation between the inflow and outflow funds flow of the payment order number and the inflow and outflow funds flow between accounts; The second associated funds flow reconciliation module is used to query the bank order number in the inflow and outflow funds flow of the payment order number according to the payment order number, query the inflow and outflow funds flow between accounts according to the bank order number, compare whether the amount of the inflow and outflow funds flow of the payment order number is consistent with the amount of the inflow and outflow funds flow between accounts, if not consistent, notify the payment platform to check the data abnormalities, and communicate with the bank side about the accounts; if consistent, start the comprehensive reconciliation between the inflow and outflow funds flow of the waybill number, the inflow and outflow funds flow of the payment order number, and the inflow and outflow funds flow between accounts.

4. A modular reconciliation system based on a freight platform as claimed in claim 3, It is characterized in that The inbound and outbound capital flows of the waybill number include: business order number, business initiator, business completion party, business expenses, and payment order number; The inflow and outflow funds flow of the payment order number includes: payment order number, payer, payer account number, recipient, recipient account number, payment fee, and bank order number; The inflow and outflow fund flows between accounts include: bank order number, expenditure account, income account, transaction type, transaction amount, and transaction order number.

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