Remote operation and maintenance financial management method based on the integration of big data and relational data

Abstract

The present invention is a remote operation and maintenance financial management method based on the integration of big data and relational data, comprising: receiving a payment instruction from a terminal user, activating a remote operation and maintenance financial system according to the payment instruction, the remote operation and maintenance financial system comprising a payment collection module, a clearing and settlement module, and a relational data storage module, deducting the payment amount from the bank card bound to the terminal user and generating a reconciliation bill, generating transaction details, transferring the payment amount from the payment collection module to the clearing and settlement module, calculating a withdrawal fee for the payment amount, deducting the withdrawal fee from the payment amount to obtain a withdrawal amount, generating an withdrawal information table for the withdrawal amount, reorganizing the reconciliation bill, transaction details, and withdrawal information table to obtain a full-life transaction table, and completing remote financial management. The present invention can solve the current problem of lacking a secure financial management system for the entire cycle from receiving remittances, managing remittances, to withdrawing remittances.

Description

Technical Field

[0001] The present invention relates to the field of financial management technology, and in particular to a remote operation and maintenance financial management method, device, electronic device and computer-readable storage medium based on the integration of big data and relational data. Background Art

[0002] Financial management systems are categorized into traditional and modern financial management systems. Traditional financial management systems primarily rely on accounting to implement financial bookkeeping functions. Modern financial management systems expand upon traditional financial management systems by providing additional financial operations, such as general ledger management and the production of financial statements.

[0003] Traditional financial management systems and modern financial management systems have basically met the financial needs of enterprises, but they can only solve the financial needs of enterprises and cannot provide full-cycle security services for enterprises from receiving remittances, managing remittances, and withdrawing remittances. Summary of the Invention

[0004] The present invention provides a remote operation and maintenance financial management method, device and computer-readable storage medium based on the integration of big data and relational data. Its main purpose is to solve the current problem of lack of a full-cycle secure financial management from receiving remittances, managing remittances to withdrawing remittances.

[0005] To achieve the above objectives, the present invention provides a remote operation and maintenance financial management method based on the integration of big data and relational data, comprising:

[0006] Receiving a payment instruction from a terminal user, and starting a pre-built remote operation and maintenance financial system according to the payment instruction, wherein the remote operation and maintenance financial system includes a payment collection module, a clearing and settlement module, and a relational data storage module;

[0007] determining a payment form of the payment instruction, wherein the payment form includes direct payment and transferred payment;

[0008] When the payment method is direct payment, the payment amount corresponding to the payment instruction is deducted from the bank card bound to the terminal user, and a reconciliation bill is generated;

[0009] When the payment method is a transfer payment, a pre-built aggregation server is started, and the aggregation server is used to connect to the transfer payment terminal, the payment amount is extracted from the transfer payment terminal, and the reconciliation bill is generated;

[0010] When the reconciliation bill is successfully generated, the reconciliation bill is sent to the settlement module of the remote operation and maintenance financial system to obtain the verified payment amount, check whether the payment amount has arrived at the payment module, and when the payment amount arrives at the payment module, generate transaction details including the payee information and the payee information;

[0011] Transferring the payment amount from the payment collection module to the clearing and settlement module, and calculating a handling fee for withdrawing the payment amount using a charging algorithm embedded in the clearing and settlement module;

[0012] According to the settlement contract signed with the terminal user, deduct the withdrawal fee from the payment amount to obtain the withdrawal amount;

[0013] Using the verification payment amount, and according to the billing algorithm, performing a transfer verification on the withdrawal amount;

[0014] Determining whether the transfer verification passes;

[0015] If the transfer verification fails, the withdrawal fee and withdrawal amount are frozen, and a pre-built payment alarm program is activated;

[0016] If the transfer verification passes, the withdrawal amount is transferred to the bank card bound to the remote operation and maintenance financial system, and a withdrawal information table of the withdrawal amount is generated. The reconciliation bill, transaction details and withdrawal information table are reorganized to obtain a full life transaction table;

[0017] A storage space is opened up in the relational data storage module, and the full life transaction table is stored in the storage space to complete remote financial management.

[0018] Optionally, starting a pre-built remote operation and maintenance financial system according to the payment instruction includes:

[0019] Starting a pre-built simulation server and using the simulation server to generate a simulation instruction with the same IP address as the payment instruction;

[0020] Sending the simulation instruction to the remote operation and maintenance financial system, and when the remote operation and maintenance financial system successfully receives the simulation instruction, starting a waiting state for receiving the payment instruction;

[0021] Sending the payment instruction to the simulation server, generating a response instruction to the payment instruction in the simulation server, and transmitting the response instruction back to the payment page where the payment instruction is located;

[0022] Check whether the payment page has any abnormality, and if the payment page has any abnormality, start the payment alarm program to alert the backend administrator of the remote operation and maintenance financial system;

[0023] When no abnormality occurs on the payment page, the payment instruction is sent to the remote operation and maintenance financial system in a waiting-to-receive state, completing the startup of the remote operation and maintenance financial system.

[0024] Optionally, the step of generating a simulation instruction with the same IP address as the payment instruction by using the simulation server includes:

[0025] Parsing the payment instruction to obtain the IP address, payment amount, and customer information of the terminal user, wherein the customer information includes basic user information and purchase information of the terminal user;

[0026] Generating a simulated address, simulated amount, and simulated information identical to the IP address, payment amount, and customer information in the simulated server;

[0027] The simulated address, simulated amount and simulated information are used as input parameters of a pre-built payment instruction program, and the simulation instruction is generated by running the program.

[0028] Optionally, checking whether an abnormality occurs on the payment page includes:

[0029] Using the response instruction to drive the payment page to jump to the payment success page;

[0030] Check whether the payment page jumps to the payment success page. If the payment page does not jump to the payment success page or if the payment success page jumped to does not match the expected payment success page, then the payment page is abnormal;

[0031] If the payment page successfully jumps to the expected payment success page, the payment page is normal.

[0032] Optionally, generating a reconciliation statement includes:

[0033] Generating a character amount of the payment amount, encrypting the character amount and the payment amount to obtain an encrypted amount and a decryption key, and storing the decryption key in a payment collection module;

[0034] Send the encrypted amount to the bank card server;

[0035] receiving a decryption request instruction from the server where the bank card is located, and extracting the decryption key from the payment module according to the decryption request instruction;

[0036] The decryption key is sent to the server where the bank card is located, and when a payment amount confirmation instruction is received from the server where the bank card is located, the reconciliation statement is generated according to the payment amount confirmation instruction.

[0037] Optionally, the reconciliation bill includes the initiation time of the payment instruction, the IP address, the payment amount, the basic user information and purchase information of the terminal user, the receipt time of the payment amount by the remote operation and maintenance financial system, and the program certificate information generated using the payment amount confirmation instruction.

[0038] Optionally, generating transaction details including payee information and payer information includes:

[0039] Obtaining the preceding serial number of the payment amount to the payment module;

[0040] Running a pre-built transaction form generation program and obtaining a transaction blank table based on the preceding serial number, wherein the transaction blank table includes a transaction header, and the transaction header includes a local account number, a counterparty account number, a remittance time, a voucher number, and a current serial number, where the current serial number = the preceding serial number + 1;

[0041] Extracting the voucher number and the remittance time from the program voucher information;

[0042] Extract the payment account from the payee information, and extract the payment account from the payee information;

[0043] Fill in the receiving account into the local account and the paying account into the counterparty account to obtain the transaction details.

[0044] Optionally, the utilizing the verification payment amount to perform transfer verification on the withdrawal amount according to the billing algorithm includes:

[0045] According to the billing algorithm, using the withdrawal amount, calculate the payment amount corresponding to the withdrawal amount in reverse order;

[0046] Determine whether the payment amount corresponding to the withdrawal amount is consistent with the verification payment amount, and obtain a consistency determination;

[0047] A transfer check is performed on the withdrawal amount based on the consistency determination.

[0048] In order to solve the above problems, the present invention also provides a remote operation and maintenance financial management device based on the integration of big data and relational data, the device comprising:

[0049] A financial system startup module, configured to receive a payment instruction from a terminal user and, based on the payment instruction, start a pre-built remote operation and maintenance financial system, wherein the remote operation and maintenance financial system includes a payment collection module, a clearing and settlement module, and a relational data storage module;

[0050] a payment module, configured to determine the payment form of the payment instruction, wherein the payment forms include direct payment and transferred payment; when the payment form is direct payment, deducting the payment amount corresponding to the payment instruction from the bank card bound to the terminal user and generating a reconciliation statement; when the payment form is transferred payment, starting a pre-built aggregation server, connecting to a transfer payment terminal using the aggregation server, extracting the payment amount from the transfer payment terminal, and generating the reconciliation statement;

[0051] a transaction details generating module configured to, upon successful generation of the reconciliation bill, send the reconciliation bill to the clearing and settlement module of the remote operation and maintenance financial system, obtain a verified payment amount, check whether the payment amount has been received by the payment collection module, and, when the payment amount has been received by the payment collection module, generate transaction details including payee information and payer information;

[0052] an amount withdrawal module, configured to transfer the payment amount from the payment collection module to the clearing and settlement module, calculate a withdrawal fee for withdrawing the payment amount using a billing algorithm embedded in the clearing and settlement module, and deduct the withdrawal fee from the payment amount according to the settlement contract signed with the terminal user to obtain a withdrawal amount;

[0053] a transfer verification module, configured to perform a transfer verification on the withdrawal amount using the verification payment amount according to the billing algorithm; determine whether the transfer verification passes; and if the transfer verification fails, freeze the withdrawal fee and the withdrawal amount, and initiate a pre-built payment alarm program;

[0054] The table information storage module is used to successfully transfer the withdrawal amount to the bank card bound to the remote operation and maintenance financial system if the transfer verification is passed, and generate an extraction information table of the withdrawal amount, reorganize the reconciliation bill, transaction details and extraction information table to obtain a full-life transaction table, open up a storage space in the relational data storage module, store the full-life transaction table in the storage space, and complete remote financial management.

[0055] In order to solve the above problem, the present invention further provides an electronic device, comprising:

[0056] a memory storing at least one instruction; and

[0057] The processor executes the instructions stored in the memory to implement the above-mentioned remote operation and maintenance financial management method based on the integration of big data and relational data.

[0058] In order to solve the above problems, the present invention also provides a computer-readable storage medium, which stores at least one instruction, and the at least one instruction is executed by a processor in an electronic device to implement the above-mentioned remote operation and maintenance financial management method based on the integration of big data and relational data.

[0059] In order to solve the problems described in the background technology, the embodiment of the present invention first receives the payment instruction of the terminal user, and starts the pre-built remote operation and maintenance financial system according to the payment instruction, wherein the remote operation and maintenance financial system includes a collection module, a clearing and settlement module and a relational data storage module, wherein the collection module solves the problem of receiving remittances, the clearing and settlement module solves the problem of financial management, and the relational data storage module solves the problem of withdrawing remittances. Furthermore, while generating a reconciliation bill, the reconciliation bill is sent to the clearing and settlement module of the remote operation and maintenance financial system to obtain the verified payment amount, and check whether the payment amount has arrived at the collection module. When the payment amount arrives at the collection module, a transaction detail including the payee information and the payer information is generated, wherein the reconciliation bill is used for the backtracking function after a risk occurs in the financial management system, and the transaction details are used for later audit and review, thereby improving the intelligence of the financial management system. In addition, from the collection The module calculates the payment amount to the clearing and settlement module, uses the billing algorithm embedded in the clearing and settlement module, calculates the withdrawal fee for withdrawing the payment amount, deducts the withdrawal fee from the payment amount according to the settlement contract signed with the terminal user, and obtains the withdrawal amount. When the withdrawal amount is obtained, the withdrawal amount is transferred and verified using the verification payment amount. According to the transfer verification result, the withdrawal amount is calculated to the bank card bound to the remote operation and maintenance financial system, and an extraction information table for the withdrawal amount is generated. The financial management method mentioned in the embodiment of the present invention can intelligently solve the amount extraction while also generating a corresponding extraction information table, realizing the full life cycle transaction reproduction process from the reconciliation bill, transaction details and extraction information table, and finally reorganizing the reconciliation bill, transaction details and extraction information table and storing them in the relational data storage module to facilitate subsequent backtracking, auditing, etc. Therefore, the remote operation and maintenance financial management method, device, electronic device and computer-readable storage medium based on the integration of big data and relational data proposed by the present invention can solve the current lack of a full cycle security financial management problem from receiving remittances, managing remittances to withdrawing remittances. BRIEF DESCRIPTION OF THE DRAWINGS

[0060] Figure 1 A flowchart of a remote operation and maintenance financial management method based on the integration of big data and relational data provided by one embodiment of the present invention;

[0061] Figure 2 for Figure 1 A detailed implementation flow chart of one of the steps in the

[0062] Figure 3 for Figure 1 A detailed implementation flow diagram of another step in FIG;

[0063] Figure 4 This is a functional module diagram of a remote operation and maintenance financial management device based on the integration of big data and relational data provided by one embodiment of the present invention;

[0064] Figure 5 A schematic diagram of the structure of an electronic device for implementing the remote operation and maintenance financial management method based on the integration of big data and relational data provided by one embodiment of the present invention.

[0065] The purpose, features and advantages of the present invention will be further described with reference to the accompanying drawings and in conjunction with the embodiments. DETAILED DESCRIPTION

[0066] It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention.

[0067] The embodiment of the present application provides a remote operation and maintenance financial management method based on the integration of big data and relational data. The execution subject of the remote operation and maintenance financial management method based on the integration of big data and relational data includes but is not limited to at least one of the electronic devices such as a server and a terminal that can be configured to execute the method provided by the embodiment of the present application. In other words, the remote operation and maintenance financial management method based on the integration of big data and relational data can be executed by software or hardware installed on a terminal device or a server device, and the software can be a blockchain platform. The server includes but is not limited to: a single server, a server cluster, a cloud server or a cloud server cluster, etc.

[0068] Reference Figure 1 FIG2 is a flow chart of a remote operation and maintenance financial management method based on the integration of big data and relational data provided by an embodiment of the present invention. In this embodiment, the remote operation and maintenance financial management method based on the integration of big data and relational data includes:

[0069] S1. Receive a payment instruction from a terminal user, and start a pre-built remote operation and maintenance financial system according to the payment instruction, wherein the remote operation and maintenance financial system includes a payment collection module, a clearing and settlement module, and a relational data storage module.

[0070] The method described in the embodiments of the present invention can be applied to various users in internet-based scenarios. For example, a stationery company using the remote operation and maintenance financial system can implement financial management by first developing a stationery trading website on the internet. When end users, including individuals, merchants, and enterprises, select stationery items on the stationery trading website, they initiate payment instructions.

[0071] Further, see Figure 2 As shown in detail, the initiation of the pre-built remote operation and maintenance financial system according to the payment instruction includes:

[0072] S11. Start a pre-built simulation server and use the simulation server to generate a simulation instruction with the same IP address as the payment instruction;

[0073] S12: Sending the simulation instruction to the remote operation and maintenance financial system. When the remote operation and maintenance financial system successfully receives the simulation instruction, starting a waiting state for receiving the payment instruction.

[0074] S13: Send the payment instruction to the simulation server, generate a response instruction to the payment instruction in the simulation server, and transmit the response instruction back to the payment page where the payment instruction is located;

[0075] S14: Check whether the payment page has any abnormality. If the payment page has any abnormality, start the payment alarm program to alert the backend administrator of the remote operation and maintenance financial system;

[0076] S15. When no abnormality occurs on the payment page, the payment instruction is sent to the remote operation and maintenance financial system in a waiting-to-receive state, thereby completing the startup of the remote operation and maintenance financial system.

[0077] It should be explained that, in order to improve security during the payment phase and prevent the remote financial system from crashing or becoming abnormal due to hacker intrusion, information theft, and other reasons, the embodiments of the present invention do not directly send payment instructions to the remote financial system. Instead, they first utilize a mock server to simulate secure simulated instructions, partially starting the remote financial system. This semi-startup state is also known as the waiting-to-receive state. A mock server is a temporary server built using a hardware server. Its primary function is to simulate secure and efficient data based on user needs for joint debugging and testing with other servers or programs. For example, in the embodiments of the present invention, a mock server is utilized to simulate a simulated instruction with the same IP address as the payment instruction.

[0078] In detail, the step of generating a simulated instruction with the same IP address as the payment instruction by using the simulated server includes:

[0079] Parsing the payment instruction to obtain the IP address, payment amount, and customer information of the terminal user, wherein the customer information includes basic user information and purchase information of the terminal user;

[0080] Generating a simulated address, simulated amount, and simulated information identical to the IP address, payment amount, and customer information in the simulated server;

[0081] The simulated address, simulated amount and simulated information are used as input parameters of a pre-built payment instruction program, and the simulation instruction is generated by running the program.

[0082] For example, if Xiao Zhang selects a favorite pen on a stationery trading website and initiates a payment instruction for the pen, the payment instruction includes the IP address: 89.79.002, the payment amount: 78 yuan, Xiao Zhang's basic information, and the pen's information. Therefore, based on Xiao Zhang's payment instruction, a corresponding simulated instruction can be generated and sent to the remote operation and maintenance financial system, thereby changing the payment instruction to a pending state.

[0083] Furthermore, checking whether an abnormality occurs on the payment page includes:

[0084] Using the response instruction to drive the payment page to jump to the payment success page;

[0085] Check whether the payment page jumps to the payment success page. If the payment page does not jump to the payment success page or if the payment success page jumped to does not match the expected payment success page, then the payment page is abnormal;

[0086] If the payment page successfully jumps to the expected payment success page, the payment page is normal.

[0087] It is understood that once a payment instruction is sent to the simulated server, the simulated server acts as a "security inspector" for the remote financial system, generating a response to the payment instruction, notifying the payment page to generate a successful payment interface. If the payment page does not redirect to the successful payment interface, or if the redirected page does not conform to the expected one, indicating an abnormality in the payment page, a payment alarm program is activated to alert the backend administrator of the remote financial system to review the security of the stationery trading webpage. If the payment page successfully redirects to the expected successful payment page, it indicates that the payment instruction initiated by the end user is secure, and the remote financial system is activated to prepare for subsequent deductions, settlements, and other functions.

[0088] It should be explained that the remote operation and maintenance financial system is an integrated financial management system that integrates various functions, including a collection module, a clearing and settlement module, and a relational data storage module. The main function of the collection module is to obtain the payment amount of the end user, the main function of the clearing and settlement module is to report, settle and calculate the withdrawal amount based on the payment amount, and the main function of the relational data storage module is to record the detailed process of the entire transaction process, providing convenience for subsequent tracing and auditing.

[0089] S2. Determine the payment form of the payment instruction, where the payment form includes direct payment and transferred payment.

[0090] In the embodiment of the present invention, due to the various payment methods of terminal users, they mainly include direct payment and transferred payment. Direct payment is to directly deduct the payment amount through the digital payment methods supported by various banks, such as directly deducting the payment amount to the collection module of the remote operation and maintenance financial system through the digital payment APP of Industrial and Commercial Bank of China, while transferred payment is to deduct the payment amount to the collection module of the remote operation and maintenance financial system through an intermediary service provider (also known as an aggregation service end) through an aggregation code card, smart POS, barcode scanning gun, barcode scanning box, etc.

[0091] S3. When the payment method is direct payment, the payment amount corresponding to the payment instruction is deducted from the bank card bound to the terminal user, and a reconciliation bill is generated.

[0092] It is understandable that when the payment form is direct payment, the remote operation and maintenance financial system can directly deduct the payment amount from the bank card bound to the terminal user according to the authorization conditions of the payment instruction.

[0093] It should be understood that the reconciliation bill is a payment voucher that is confirmed to be correct by the remote operation and maintenance financial system and the bank card server. For details, please refer to Figure 3 As shown, the generating of the reconciliation statement includes:

[0094] S31. Generate a character amount for the payment amount, encrypt the character amount and the payment amount to obtain an encrypted amount and a decryption key, and store the decryption key in a payment module;

[0095] S32. Send the encrypted amount to the bank card server;

[0096] S33, receiving a decryption request instruction from the server where the bank card is located, and extracting the decryption key from the payment module according to the decryption request instruction;

[0097] S34. Send the decryption key to the server where the bank card is located, and until a payment amount confirmation instruction is received from the server where the bank card is located, generate the reconciliation statement according to the payment amount confirmation instruction.

[0098] It is understandable that if encryption is directly performed on the payment amount in digital form, the possibility of being cracked is higher. For example, for the payment amount of 78 for the pen mentioned above, the character amount generated is "Qi Ba". Further, the payment amount in the combined form of 78 + Qi Ba is encrypted through a public algorithm such as MD5 to obtain the encrypted amount and the decryption key. The decryption key is stored in the collection module, and the encrypted amount is sent to the server where the bank card is located. Until the server where the bank card is located obtains the decryption key and determines that the payment amount is correct after cracking the encrypted amount according to the decryption key, a payment amount confirmation instruction is generated, thereby triggering the generation of a reconciliation statement.

[0099] Specifically, the reconciliation statement includes the initiation time of the payment instruction, the IP address, the payment amount, the basic user information and purchase information of the end user, the reception time when the remote operation and maintenance financial system receives the payment amount, and the program voucher information generated by using the payment amount confirmation instruction. The program voucher information is a traceable program type of information generated for the convenience of dealing with financial anomalies caused by hacker intrusion. The program voucher information records the entire process of generating the reconciliation statement between the remote operation and maintenance financial system and the server where the bank card is located and the generated voucher number, that is, the process of S31 - S34 above.

[0100] S4. When the payment form is transfer payment, start the pre-built aggregation server, connect to the transfer payment end through the aggregation server, extract the payment amount from the transfer payment end, and generate the reconciliation statement.

[0101] In the embodiment of the present invention, since the aggregation server has a more complete control and prevention of financial security, when the payment form is transfer payment, directly extract the payment amount of the transfer payment end from the aggregation server, and at the same time obtain the corresponding reconciliation statement from the interface of the aggregation server.

[0102] S5. When the reconciliation statement is successfully generated, send the reconciliation statement to the clearing and settlement module of the remote operation and maintenance financial system to obtain the verified payment amount, check whether the payment amount reaches the collection module. When the payment amount reaches the collection module, generate a transaction detail including the information of the payee and the payer.

[0103] It should be explained that the verified payment amount refers to the verified amount for checking whether the amount finally reaching the amount bound to the remote operation and maintenance financial system is correct. For example: when the payment amount passes through the charging algorithm and the withdrawal handling fee is deducted to obtain the withdrawal amount, at this time, the charging algorithm can be used reversely according to the withdrawal amount to deduce the payment amount corresponding to the withdrawal amount, and finally compare the deduced payment amount with the verified payment amount (the deduced payment amount corresponding to the withdrawal amount should be the same as the verified payment amount), and then the verification can be carried out.

[0104] Understandably, there are fundamental differences between transaction details and reconciliation statements. Reconciliation statements are primarily used for security risk management. When anomalies occur in the remote financial system or the bank card server, reconciliation statements can be promptly called for review and tracing. Transaction details, on the other hand, are primarily used for financial settlement and auditing and are strictly structured relational data.

[0105] Specifically, generating transaction details including payee information and payer information includes:

[0106] Obtaining the preceding serial number of the payment amount to the payment module;

[0107] Running a pre-built transaction form generation program and obtaining a transaction blank table based on the preceding serial number, wherein the transaction blank table includes a transaction header, and the transaction header includes a local account number, a counterparty account number, a remittance time, a voucher number, and a current serial number, where the current serial number = the preceding serial number + 1;

[0108] Extracting the voucher number and the remittance time from the program voucher information;

[0109] Extract the payment account from the payee information, and extract the payment account from the payee information;

[0110] Fill in the receiving account into the local account and the paying account into the counterparty account to obtain the transaction details.

[0111] For example, if the preceding serial number of the payment amount received to the payment module is 08, it means that 8 transactions have been completed that day, so the current serial number is 09. In addition, the program voucher information records the time when the payment amount arrives at the payment module, which is the remittance time.

[0112] S6. Transferring the payment amount from the payment collection module to a clearing and settlement module, and calculating a handling fee for withdrawing the payment amount using a charging algorithm embedded in the clearing and settlement module.

[0113] In the embodiment of the present invention, the main function of the settlement module is to calculate taxes, retention fees, and intermediary service fees, thereby settling the final withdrawal fee. Specifically, the calculation of the withdrawal fee for withdrawing the payment amount using the billing algorithm embedded in the settlement module includes:

[0114] Receive the deductible expenses pre-set by the finance personnel, where the deductible expenses include taxes, retention fees and intermediary service fees;

[0115] The fees to be deducted and the payment amount are input into the billing algorithm to calculate the withdrawal fee.

[0116] It's important to explain that a retention fee is a reserve amount for each payment, based on a company's normal expenses, to facilitate future expenditure planning. Furthermore, intermediary service fees are determined on a case-by-case basis. For example, a stationery company commissions a software company to develop a stationery trading website. The software company requires a 1% intermediary service fee for each order placed on the website. Furthermore, billing algorithms must be customized based on the company's specific financial policies.

[0117] S7. According to the settlement contract signed with the terminal user, the withdrawal fee is deducted from the payment amount to obtain the withdrawal amount.

[0118] S8. Using the verification payment amount, perform transfer verification on the withdrawal amount according to the billing algorithm.

[0119] It is understandable that the use of the verification payment amount to perform transfer verification on the withdrawal amount according to the billing algorithm includes:

[0120] According to the billing algorithm, using the withdrawal amount, calculate the payment amount corresponding to the withdrawal amount in reverse order;

[0121] Determine whether the payment amount corresponding to the withdrawal amount is consistent with the verification payment amount, and obtain a consistency determination;

[0122] A transfer check is performed on the withdrawal amount based on the consistency determination.

[0123] S9. Determine whether the transfer verification is passed.

[0124] In detail, when the consistency is determined to be consistent, the transfer verification is passed; when the consistency is determined to be inconsistent, the transfer verification is failed.

[0125] If the transfer verification fails, step S10 is executed to freeze the withdrawal fee and the withdrawal amount, and to start a pre-built payment alarm program.

[0126] If the transfer verification passes, execute S11, transfer the withdrawal amount to the bank card bound to the remote operation and maintenance financial system, generate a withdrawal information table of the withdrawal amount, and reorganize the reconciliation bill, transaction details and withdrawal information table to obtain a full life transaction table.

[0127] In the embodiment of the present invention, the withdrawal information table mainly includes information such as the withdrawal time, the withdrawal amount of each withdrawal, and the bank card of the withdrawer.

[0128] It is understandable that when the withdrawal amount is successfully transferred to the bank card bound to the remote operation and maintenance financial system, it means that the management cycle of the remote operation and maintenance financial system for this amount is completed. Therefore, in an embodiment of the present invention, the reconciliation bill, transaction details and withdrawal information table are reorganized to obtain a full life transaction table.

[0129] It can be explained that in order to facilitate subsequent indexing in the relational data storage module, the reconciliation bill, transaction details and extracted information table can be reorganized and arranged into the same empty form, where the empty form includes a first-level header and a second-level header. The first-level header is mainly used to distinguish the reconciliation bill, transaction details and extracted information table, and the second-level header records more detailed information of the reconciliation bill, transaction details and extracted information table.

[0130] S12. A storage space is opened in the relational data storage module, and the full life transaction table is stored in the storage space to complete remote financial management.

[0131] In order to solve the problems described in the background technology, the embodiment of the present invention first receives the payment instruction of the terminal user, and starts the pre-built remote operation and maintenance financial system according to the payment instruction, wherein the remote operation and maintenance financial system includes a collection module, a clearing and settlement module and a relational data storage module, wherein the collection module solves the problem of receiving remittances, the clearing and settlement module solves the problem of financial management, and the relational data storage module solves the problem of withdrawing remittances. Furthermore, while generating a reconciliation bill, the reconciliation bill is sent to the clearing and settlement module of the remote operation and maintenance financial system to obtain the verified payment amount, and check whether the payment amount has arrived at the collection module. When the payment amount arrives at the collection module, a transaction detail including the payee information and the payer information is generated, wherein the reconciliation bill is used for the backtracking function after a risk occurs in the financial management system, and the transaction details are used for later audit and review, thereby improving the intelligence of the financial management system. In addition, from the collection The module calculates the payment amount to the clearing and settlement module, uses the billing algorithm embedded in the clearing and settlement module, calculates the withdrawal fee for withdrawing the payment amount, deducts the withdrawal fee from the payment amount according to the settlement contract signed with the terminal user, and obtains the withdrawal amount. When the withdrawal amount is obtained, the withdrawal amount is transferred and verified using the verification payment amount. According to the transfer verification result, the withdrawal amount is calculated to the bank card bound to the remote operation and maintenance financial system, and an extraction information table for the withdrawal amount is generated. The financial management method mentioned in the embodiment of the present invention can intelligently solve the amount extraction while also generating a corresponding extraction information table, realizing the full life cycle transaction reproduction process from the reconciliation bill, transaction details and extraction information table, and finally reorganizing the reconciliation bill, transaction details and extraction information table and storing them in the relational data storage module to facilitate subsequent backtracking, auditing, etc. Therefore, the remote operation and maintenance financial management method, device, electronic device and computer-readable storage medium based on the integration of big data and relational data proposed by the present invention can solve the current lack of a full cycle security financial management problem from receiving remittances, managing remittances to withdrawing remittances.

[0132] like Figure 4 , which is a functional module diagram of a remote operation and maintenance financial management device based on the integration of big data and relational data provided by one embodiment of the present invention.

[0133] The remote operation and maintenance financial management device 100 based on the integration of big data and relational data described in the present invention can be installed in an electronic device. Depending on the functions implemented, the remote operation and maintenance financial management device 100 based on the integration of big data and relational data can include a financial system startup module 101, a payment module 102, a transaction details generation module 103, an amount extraction module 104, a transfer verification module 105, and a table information storage module 106. The modules described in the present invention, which can also be referred to as units, refer to a series of computer program segments that can be executed by an electronic device processor and can perform fixed functions, and are stored in the memory of the electronic device.

[0134] The financial system startup module 101 is used to receive a payment instruction from a terminal user and start a pre-built remote operation and maintenance financial system according to the payment instruction, wherein the remote operation and maintenance financial system includes a payment collection module, a clearing and settlement module, and a relational data storage module;

[0135] The payment module 102 is configured to determine the payment method of the payment instruction, wherein the payment methods include direct payment and transferred payment. When the payment method is direct payment, the payment amount corresponding to the payment instruction is deducted from the bank card bound to the terminal user and a reconciliation statement is generated. When the payment method is transferred payment, a pre-built aggregation server is started and connected to a transfer payment terminal through the aggregation server, the payment amount is extracted from the transfer payment terminal, and the reconciliation statement is generated.

[0136] The transaction details generating module 103 is configured to, when the reconciliation bill is successfully generated, check whether the payment amount has been received by the payment receiving module, and generate transaction details including payee information and payer information when the payment amount has been received by the payment receiving module;

[0137] The amount withdrawal module 104 is configured to transfer the payment amount from the payment collection module to the clearing and settlement module, calculate a withdrawal fee for withdrawing the payment amount using a billing algorithm embedded in the clearing and settlement module, and deduct the withdrawal fee from the payment amount according to the settlement contract signed with the terminal user to obtain a withdrawal amount;

[0138] The transfer verification module 105 is configured to perform a transfer verification on the withdrawal amount using the verification payment amount according to the billing algorithm; determine whether the transfer verification passes; if the transfer verification fails, freeze the withdrawal fee and the withdrawal amount, and initiate a pre-built payment alarm program;

[0139] The table information storage module 106 is used to transfer the withdrawal amount to the bank card bound to the remote operation and maintenance financial system if the transfer verification is passed, and generate an extraction information table of the withdrawal amount, reorganize the reconciliation bill, transaction details and extraction information table to obtain a full-life transaction table, open up storage space in the relational data storage module, store the full-life transaction table in the storage space, and complete remote financial management.

[0140] In detail, each module in the remote operation and maintenance financial management device 100 based on the integration of big data and relational data in the embodiment of the present invention adopts the same Figure 1 The technical means are the same as the blockchain-based product supply chain management method described in, and can produce the same technical effects, so I will not go into details here.

[0141] like Figure 5 , which is a structural diagram of an electronic device for implementing a remote operation and maintenance financial management method based on the integration of big data and relational data, provided by one embodiment of the present invention.

[0142] The electronic device 1 may include a processor 10, a memory 11 and a bus 12, and may also include a computer program stored in the memory 11 and executable on the processor 10, such as a remote operation and maintenance financial management method program based on the integration of big data and relational data.

[0143] The memory 11 includes at least one type of readable storage medium, including flash memory, a removable hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory), a magnetic memory, a magnetic disk, an optical disk, etc. In some embodiments, the memory 11 may be an internal storage unit of the electronic device 1, such as a removable hard disk of the electronic device 1. In other embodiments, the memory 11 may also be an external storage device of the electronic device 1, such as a plug-in removable hard disk, a Smart Media Card (SMC), a Secure Digital (SD) card, a flash memory card, etc. Furthermore, the memory 11 may include both an internal storage unit of the electronic device 1 and an external storage device. The memory 11 can be used not only to store application software installed on the electronic device 1 and various types of data, such as the code of a remote operation and maintenance financial management method program based on the integration of big data and relational data, but also to temporarily store data that has been output or is about to be output.

[0144] In some embodiments, the processor 10 may be comprised of an integrated circuit, such as a single packaged integrated circuit or a plurality of packaged integrated circuits with the same or different functions, including one or more central processing units (CPUs), microprocessors, digital processing chips, graphics processors, and a combination of various control chips. The processor 10 is the control core (control unit) of the electronic device, connecting the various components of the electronic device using various interfaces and circuits. It executes or runs programs or modules stored in the memory 11 (such as a remote operation and maintenance financial management method program based on the integration of big data and relational data), and calls data stored in the memory 11 to execute various functions of the electronic device 1 and process data.

[0145] The bus 12 may be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus. The bus 12 may be divided into an address bus, a data bus, a control bus, etc. The bus 12 is configured to enable communication between the memory 11 and at least one processor 10, etc.

[0146] Figure 5 Only the electronic device with components is shown, and it can be understood by those skilled in the art that Figure 5 The structure shown does not constitute a limitation on the electronic device 1 , and may include fewer or more components than shown in the figure, or combine certain components, or arrange the components differently.

[0147] For example, although not shown, the electronic device 1 may further include a power supply (e.g., a battery) to power various components. Preferably, the power supply may be logically connected to the at least one processor 10 via a power management device, thereby enabling functions such as charge management, discharge management, and power consumption management via the power management device. The power supply may further include any components such as one or more DC or AC power supplies, a recharging device, a power failure detection circuit, a power converter or inverter, and a power status indicator. The electronic device 1 may also include various sensors, Bluetooth modules, Wi-Fi modules, etc., which are not further described here.

[0148] Furthermore, the electronic device 1 may also include a network interface. Optionally, the network interface may include a wired interface and / or a wireless interface (such as a WI-FI interface, a Bluetooth interface, etc.), which is generally used to establish a communication connection between the electronic device 1 and other electronic devices.

[0149] Optionally, the electronic device 1 may further include a user interface, which may be a display or an input unit (such as a keyboard). Optionally, the user interface may also be a standard wired interface or a wireless interface. Optionally, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, or an OLED (Organic Light-Emitting Diode) touchscreen. The display may also be appropriately referred to as a display screen or a display unit, and is used to display information processed by the electronic device 1 and to display a visual user interface.

[0150] It should be understood that the embodiment is for illustration only and the scope of the patent application is not limited to this structure.

[0151] The remote operation and maintenance financial management method program based on the integration of big data and relational data stored in the memory 11 of the electronic device 1 is a combination of multiple instructions. When running in the processor 10, it can achieve the following:

[0152] Receiving a payment instruction from a terminal user, and starting a pre-built remote operation and maintenance financial system according to the payment instruction, wherein the remote operation and maintenance financial system includes a payment collection module, a clearing and settlement module, and a relational data storage module;

[0153] determining a payment form of the payment instruction, wherein the payment form includes direct payment and transferred payment;

[0154] When the payment method is direct payment, the payment amount corresponding to the payment instruction is deducted from the bank card bound to the terminal user, and a reconciliation bill is generated;

[0155] When the payment method is a transfer payment, a pre-built aggregation server is started, and the aggregation server is used to connect to the transfer payment terminal, the payment amount is extracted from the transfer payment terminal, and the reconciliation bill is generated;

[0156] When the reconciliation bill is successfully generated, the reconciliation bill is sent to the settlement module of the remote operation and maintenance financial system to obtain the verified payment amount, check whether the payment amount has arrived at the payment module, and when the payment amount arrives at the payment module, generate transaction details including the payee information and the payee information;

[0157] Transferring the payment amount from the payment collection module to the clearing and settlement module, and calculating a handling fee for withdrawing the payment amount using a charging algorithm embedded in the clearing and settlement module;

[0158] According to the settlement contract signed with the terminal user, deduct the withdrawal fee from the payment amount to obtain the withdrawal amount;

[0159] Using the verification payment amount, and according to the billing algorithm, performing a transfer verification on the withdrawal amount;

[0160] Determining whether the transfer verification passes;

[0161] If the transfer verification fails, the withdrawal fee and withdrawal amount are frozen, and a pre-built payment alarm program is activated;

[0162] If the transfer verification passes, the withdrawal amount is transferred to the bank card bound to the remote operation and maintenance financial system, and a withdrawal information table of the withdrawal amount is generated. The reconciliation bill, transaction details and withdrawal information table are reorganized to obtain a full life transaction table;

[0163] A storage space is opened up in the relational data storage module, and the full life transaction table is stored in the storage space to complete remote financial management.

[0164] Specifically, the specific implementation method of the processor 10 for the above instructions can refer to Figures 1 to 5 The description of the relevant steps in the corresponding embodiments will not be repeated here.

[0165] Furthermore, if the modules / units integrated into the electronic device 1 are implemented as software functional units and sold or used as independent products, they may be stored in a computer-readable storage medium. The computer-readable storage medium may be volatile or non-volatile. For example, the computer-readable medium may include any entity or device capable of carrying the computer program code, a recording medium, a USB flash drive, a mobile hard drive, a magnetic disk, an optical disk, a computer memory, or a read-only memory (ROM).

[0166] The present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program. When the computer program is executed by a processor of an electronic device, the computer program can implement:

[0167] Receiving a payment instruction from a terminal user, and starting a pre-built remote operation and maintenance financial system according to the payment instruction, wherein the remote operation and maintenance financial system includes a payment collection module, a clearing and settlement module, and a relational data storage module;

[0168] determining a payment form of the payment instruction, wherein the payment form includes direct payment and transferred payment;

[0169] When the payment method is direct payment, the payment amount corresponding to the payment instruction is deducted from the bank card bound to the terminal user, and a reconciliation bill is generated;

[0170] When the payment method is a transfer payment, a pre-built aggregation server is started, and the aggregation server is used to connect to the transfer payment terminal, the payment amount is extracted from the transfer payment terminal, and the reconciliation bill is generated;

[0171] When the reconciliation bill is successfully generated, the reconciliation bill is sent to the settlement module of the remote operation and maintenance financial system to obtain the verified payment amount, check whether the payment amount has arrived at the payment module, and when the payment amount arrives at the payment module, generate transaction details including the payee information and the payee information;

[0172] Transferring the payment amount from the payment collection module to the clearing and settlement module, and calculating a handling fee for withdrawing the payment amount using a charging algorithm embedded in the clearing and settlement module;

[0173] According to the settlement contract signed with the terminal user, deduct the withdrawal fee from the payment amount to obtain the withdrawal amount;

[0174] Using the verification payment amount, and according to the billing algorithm, performing a transfer verification on the withdrawal amount;

[0175] Determining whether the transfer verification passes;

[0176] If the transfer verification fails, the withdrawal fee and withdrawal amount will be frozen, and the pre-built payment alarm program will be activated;

[0177] If the transfer verification passes, the withdrawal amount is transferred to the bank card bound to the remote operation and maintenance financial system, and a withdrawal information table of the withdrawal amount is generated. The reconciliation bill, transaction details and withdrawal information table are reorganized to obtain a full life transaction table;

[0178] A storage space is opened up in the relational data storage module, and the full life transaction table is stored in the storage space to complete remote financial management.

[0179] In the several embodiments provided by the present invention, it should be understood that the disclosed devices, apparatuses, and methods can be implemented in other ways. For example, the device embodiments described above are merely illustrative. For example, the module division is merely a logical function division, and other division methods may be used in actual implementation.

[0180] The modules described as separate components may or may not be physically separate, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed across multiple network elements. Some or all of the modules may be selected to achieve the purpose of the solution of this embodiment according to actual needs.

[0181] In addition, the functional modules in various embodiments of the present invention may be integrated into a single processing unit, each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or hardware plus software functional modules.

[0182] It will be apparent to those skilled in the art that the present invention is not limited to the details of the exemplary embodiments described above, and that the present invention can be implemented in other specific forms without departing from the spirit or essential characteristics of the present invention.

[0183] Therefore, the embodiments should be considered in all respects as illustrative and non-restrictive, and the scope of the invention is defined by the appended claims rather than the foregoing description, and all changes that come within the meaning and range of equivalents of the claims are intended to be embraced therein. Any reference to a figure in a claim should not be construed as limiting the claim to which it relates.

[0184] Blockchain, as used in this article, refers to a novel application model for computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanisms, and encryption algorithms. Blockchain is essentially a decentralized database, a series of data blocks generated using cryptographic methods. Each block contains information about a batch of online transactions, used to verify the validity of this information (to prevent counterfeiting) and generate the next block. Blockchain can include the underlying blockchain platform, the platform product service layer, and the application service layer.

[0185] Furthermore, it is clear that the word "comprising" does not exclude other units or steps, and the singular does not exclude the plural. Multiple units or devices recited in a system claim may also be implemented by a single unit or device through software or hardware. Second-order terms are used to indicate names and do not imply any particular order.

[0186] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention and are not limiting. Although the present invention has been described in detail with reference to the preferred embodiments, those skilled in the art should understand that the technical solutions of the present invention may be modified or replaced by equivalents without departing from the spirit and scope of the technical solutions of the present invention.

Claims

1. A remote operation and maintenance financial management method based on the integration of big data and relational data, characterized in that: The method comprises: Receiving a payment instruction from a terminal user, and starting a pre-built remote operation and maintenance financial system according to the payment instruction, wherein the remote operation and maintenance financial system includes a payment collection module, a clearing and settlement module, and a relational data storage module; determining a payment form of the payment instruction, wherein the payment form includes direct payment and transferred payment; When the payment method is direct payment, the payment amount corresponding to the payment instruction is deducted from the bank card bound to the terminal user, and a reconciliation bill is generated; When the payment method is a transfer payment, a pre-built aggregation server is started, and the aggregation server is used to connect to the transfer payment terminal, the payment amount is extracted from the transfer payment terminal, and the reconciliation bill is generated; When the reconciliation bill is successfully generated, the reconciliation bill is sent to the settlement module of the remote operation and maintenance financial system to obtain the verified payment amount, check whether the payment amount has arrived at the payment module, and when the payment amount arrives at the payment module, generate transaction details including the payee information and the payee information; Transferring the payment amount from the payment collection module to the clearing and settlement module, and calculating a handling fee for withdrawing the payment amount using a charging algorithm embedded in the clearing and settlement module; According to the settlement contract signed with the terminal user, deduct the withdrawal fee from the payment amount to obtain the withdrawal amount; Using the verification payment amount, and according to the billing algorithm, performing a transfer verification on the withdrawal amount; Determining whether the transfer verification passes; If the transfer verification fails, the withdrawal fee and withdrawal amount will be frozen, and the pre-built payment alarm program will be activated; If the transfer verification passes, the withdrawal amount is transferred to the bank card bound to the remote operation and maintenance financial system, and a withdrawal information table of the withdrawal amount is generated. The reconciliation bill, transaction details and withdrawal information table are reorganized to obtain a full life transaction table; A storage space is opened up in the relational data storage module, and the full life transaction table is stored in the storage space to complete remote financial management.

2. The remote operation and maintenance financial management method based on the integration of big data and relational data according to claim 1 is characterized in that: The initiating of the pre-built remote operation and maintenance financial system according to the payment instruction includes: Starting a pre-built simulation server and using the simulation server to generate a simulation instruction with the same IP address as the payment instruction; Sending the simulation instruction to the remote operation and maintenance financial system, and when the remote operation and maintenance financial system successfully receives the simulation instruction, starting a waiting state for receiving the payment instruction; Sending the payment instruction to the simulation server, generating a response instruction to the payment instruction in the simulation server, and transmitting the response instruction back to the payment page where the payment instruction is located; Check whether the payment page has any abnormality, and if the payment page has any abnormality, start the payment alarm program to alert the backend administrator of the remote operation and maintenance financial system; When no abnormality occurs on the payment page, the payment instruction is sent to the remote operation and maintenance financial system in a waiting-to-receive state, completing the startup of the remote operation and maintenance financial system.

3. The remote operation and maintenance financial management method based on the integration of big data and relational data according to claim 2 is characterized in that: The step of using the simulation server to generate a simulation instruction having the same IP address as the payment instruction includes: Parsing the payment instruction to obtain the IP address, payment amount, and customer information of the terminal user, wherein the customer information includes basic user information and purchase information of the terminal user; Generating a simulated address, simulated amount, and simulated information identical to the IP address, payment amount, and customer information in the simulated server; The simulated address, simulated amount and simulated information are used as input parameters of a pre-built payment instruction program, and the simulation instruction is generated by running the program.

4. The remote operation and maintenance financial management method based on the integration of big data and relational data according to claim 3 is characterized in that: Checking whether an abnormality occurs on the payment page includes: Using the response instruction to drive the payment page to jump to the payment success page; Check whether the payment page jumps to the payment success page. If the payment page does not jump to the payment success page or if the payment success page jumped to does not match the expected payment success page, then the payment page is abnormal; If the payment page successfully jumps to the expected payment success page, the payment page is normal.

5. The remote operation and maintenance financial management method based on the integration of big data and relational data according to claim 1 is characterized in that: The generating of the reconciliation statement includes: Generating a character amount of the payment amount, encrypting the character amount and the payment amount to obtain an encrypted amount and a decryption key, and storing the decryption key in a payment collection module; Send the encrypted amount to the bank card server; receiving a decryption request instruction from the server where the bank card is located, and extracting the decryption key from the payment module according to the decryption request instruction; The decryption key is sent to the server where the bank card is located, and when a payment amount confirmation instruction is received from the server where the bank card is located, the reconciliation statement is generated according to the payment amount confirmation instruction.

6. The remote operation and maintenance financial management method based on the integration of big data and relational data according to claim 5 is characterized in that: The reconciliation bill includes the initiation time of the payment instruction, IP address, payment amount, basic user information and purchase information of the terminal user, the receipt time of the payment amount by the remote operation and maintenance financial system, and program certificate information generated using the payment amount confirmation instruction.

7. The remote operation and maintenance financial management method based on the integration of big data and relational data according to claim 6 is characterized in that: The generating of transaction details including payee information and payer information includes: Obtaining the preceding serial number of the payment amount to the payment module; Running a pre-built transaction form generation program and obtaining a transaction blank table based on the preceding serial number, wherein the transaction blank table includes a transaction header, and the transaction header includes a local account number, a counterparty account number, a remittance time, a voucher number, and a current serial number, where the current serial number = the preceding serial number + 1; Extracting the voucher number and the remittance time from the program voucher information; Extract the receiving account from the payee information, and extract the payment account from the payee information; Fill in the receiving account into the local account and the paying account into the counterparty account to obtain the transaction details.

8. The remote operation and maintenance financial management method based on the integration of big data and relational data according to claim 1 is characterized in that: The utilizing the verification payment amount and performing transfer verification on the withdrawal amount according to the billing algorithm includes: According to the billing algorithm, using the withdrawal amount, calculate the payment amount corresponding to the withdrawal amount in reverse order; Determine whether the payment amount corresponding to the withdrawal amount is consistent with the verification payment amount, and obtain a consistency determination; A transfer check is performed on the withdrawal amount based on the consistency determination.

9. A remote operation and maintenance financial management device based on the integration of big data and relational data, characterized in that: The device comprises: A financial system startup module, configured to receive a payment instruction from a terminal user and, based on the payment instruction, start a pre-built remote operation and maintenance financial system, wherein the remote operation and maintenance financial system includes a payment collection module, a clearing and settlement module, and a relational data storage module; a payment module, configured to determine the payment form of the payment instruction, wherein the payment forms include direct payment and transferred payment; when the payment form is direct payment, deducting the payment amount corresponding to the payment instruction from the bank card bound to the terminal user and generating a reconciliation statement; when the payment form is transferred payment, starting a pre-built aggregation server, connecting to a transfer payment terminal using the aggregation server, extracting the payment amount from the transfer payment terminal, and generating the reconciliation statement; a transaction details generating module configured to, upon successful generation of the reconciliation bill, send the reconciliation bill to the clearing and settlement module of the remote operation and maintenance financial system, obtain a verified payment amount, check whether the payment amount has been received by the payment collection module, and, when the payment amount has been received by the payment collection module, generate transaction details including payee information and payer information; an amount withdrawal module, configured to transfer the payment amount from the payment collection module to the clearing and settlement module, calculate a withdrawal fee for withdrawing the payment amount using a billing algorithm embedded in the clearing and settlement module, and deduct the withdrawal fee from the payment amount according to the settlement contract signed with the terminal user to obtain a withdrawal amount; a transfer verification module, configured to perform a transfer verification on the withdrawal amount using the verification payment amount according to the billing algorithm; determine whether the transfer verification passes; and if the transfer verification fails, freeze the withdrawal fee and the withdrawal amount, and initiate a pre-built payment alarm program; The table information storage module is used to transfer the withdrawal amount to the bank card bound to the remote operation and maintenance financial system if the transfer verification is passed, and generate an extraction information table of the withdrawal amount, reorganize the reconciliation bill, transaction details and extraction information table to obtain a full-life transaction table, open up a storage space in the relational data storage module, store the full-life transaction table in the storage space, and complete remote financial management.

10. An electronic device, characterized in that: The electronic device comprises: at least one processor; and, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the remote operation and maintenance financial management method based on the integration of big data and relational data as described in any one of claims 1 to 8.

Images