Automatic clearing and settlement method, device, electronic equipment and storage medium

Abstract

The present invention provides an automatic clearing and settlement method, device, electronic device and storage medium, the method comprising: obtaining a user BCE bill file submitted by a service provider, and sending the user BCE bill file to a service user for confirmation; in the case of not receiving the declaration information fed back by the service user, mobilizing a smart contract according to a bill settlement instruction, combining the target tariff agreement information and the user BCE bill file to generate a bill file, and storing the bill file in a blockchain, wherein the declaration information is for the user BCE bill file. All business data can be truly reliable and trustworthy, and fully automated and efficient operation of roaming clearing services can be achieved.

Description

Technical Field

[0001] The present invention relates to the field of information processing technology, and in particular to an automatic clearing and settlement method, device, electronic equipment and storage medium. Background Art

[0002] The traditional roaming settlement method is that the operator and the partner conduct offline business negotiations and sign a roaming tariff agreement. After the roaming service is activated, the operator provides roaming business products to the partner's users. After the user uses the operator's service, a call bill will be generated on the operator's network to record the user's usage. The partner may generate an original call bill. The operator will price the call bill based on the offline roaming agreement call bill, and submit the settlement call bill and bill generated after the settlement process to the partner through the network. If the partner has the original call bill, it will be checked according to its own information. After the reconciliation is correct, the operator will issue a formal reversal order to all relevant partners, and the partner will complete the payment to the operator based on the reversal order.

[0003] However, the existing roaming settlement scheme is based on the operator's original call bills, which often generates a massive amount of call bill data in a billing cycle, increasing operating costs, and there are problems such as slow agreement distribution and untimely configuration of tariff information. When disputes arise, backtracking and reconciliation are difficult, and the reconciliation cycle is very long, which can easily cause a large number of bad debts. Therefore, how to better implement roaming settlement has become an issue that needs to be urgently resolved in the industry. Summary of the invention

[0004] The present invention provides an automatic clearing and settlement method, device, electronic equipment and storage medium, which are used to solve the problem that roaming settlement cannot be well realized in the prior art.

[0005] The present invention provides an automatic clearing and settlement method, comprising:

[0006] Obtain the user BCE call record file submitted by the service provider, and send the user BCE call record file to the service user for confirmation;

[0007] In the case where no declaration information is received from the service user, the smart contract is mobilized according to the bill settlement instruction, and a bill file is generated by combining the target tariff agreement information and the user's BCE call bill file, and the bill file is stored in the blockchain. The declaration information is the declaration information for the user's BCE call bill file.

[0008] Optionally, after sending the user BCE call record file to the service user for confirmation, the method further includes:

[0009] Obtain the declaration information submitted by the service user;

[0010] Based on the declaration information, a call bill retransmission instruction is sent to the service provider to instruct the service provider to resubmit a new user BCE call bill file.

[0011] Optionally, before obtaining the user BCE call record file submitted by the service provider, the method further includes:

[0012] Obtaining the tariff agreement information submitted by the service provider, and sending the tariff agreement information to the service user for confirmation;

[0013] After receiving confirmation information of the tariff agreement information fed back by the service user, the tariff agreement information is used as target tariff agreement information and stored in the blockchain.

[0014] Optionally, after sending the tariff agreement information to the service user for confirmation, the method further includes:

[0015] In the case that the service user does not agree with the tariff agreement information, obtaining tariff agreement objection information fed back by the service user;

[0016] Based on the tariff agreement objection information, a tariff retransmission instruction is sent to the service provider to instruct the service provider to resubmit new tariff agreement information.

[0017] Optionally, before obtaining the user BCE call record file submitted by the service provider, the method further includes:

[0018] Obtain the original user's BCE call record file;

[0019] The original BCE call record file is encrypted by combining RSA encryption with AES encryption to obtain a user BCE call record file.

[0020] The present invention also provides an automatic clearing and settlement device, comprising:

[0021] An acquisition unit, used to acquire a user BCE bill file submitted by a service provider, and send the user BCE bill file to a service user for confirmation;

[0022] The settlement unit is used to mobilize the smart contract according to the bill settlement instruction, generate a bill file in combination with the target tariff agreement information and the user's BCE bill file, and store the bill file in the blockchain when the declaration information fed back by the service user is not received, and the declaration information is the declaration information for the user's BCE bill file.

[0023] Optionally, the device further comprises: a tariff confirmation unit;

[0024] The tariff confirmation unit is used to obtain the tariff agreement information submitted by the service provider and send the tariff agreement information to the service user for confirmation;

[0025] After receiving confirmation information of the tariff agreement information fed back by the service user, the tariff agreement information is used as target tariff agreement information and stored in the blockchain.

[0026] Optionally, the device further comprises: a declaration unit;

[0027] The declaration unit is used to obtain the declaration information submitted by the service user;

[0028] Based on the declaration information, a call bill retransmission instruction is sent to the service provider to instruct the service provider to resubmit a new user BCE call bill file.

[0029] The present invention also provides an electronic device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the program, the steps of any of the automatic clearing and settlement methods described above are implemented.

[0030] The present invention also provides a non-transitory computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of any of the automatic clearing and settlement methods described above.

[0031] The present invention provides an automatic clearing and settlement method, device, electronic device and storage medium, which realizes the real-time online of the full amount of basic settlement data sources by adopting BCE file on-chain, and through the design of on-chain protocol signing confirmation and on-chain exception reporting processing, smart contract accounting, so that key information such as tariffs, exception processing information, bills, etc. are transparent, tamper-proof and traceable on the blockchain, so that all business data on the chain are truly reliable and trustworthy, realizing fully automated and efficient operation of roaming clearing services. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] In order to more clearly illustrate the technical solutions in the present invention or the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0033] Figure 1 A schematic diagram of a process flow of an automatic clearing and settlement method provided by an embodiment of the present invention;

[0034] Figure 2 The architecture diagram of the BCE automatic clearing and settlement blockchain system based on blockchain provided in the embodiment of this application;

[0035] Figure 3 A flow chart of the settlement interaction process provided in the embodiment of the present application;

[0036] Figure 4 A schematic diagram of the structure of the automatic clearing and settlement device provided by the present invention;

[0037] Figure 5 A schematic diagram of the physical structure of the electronic device provided by the present invention. DETAILED DESCRIPTION

[0038] In order to make the purpose, technical solution and advantages of the present invention clearer, the technical solution of the present invention will be clearly and completely described below in conjunction with the drawings of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0039] Figure 1 A flow chart of the automatic clearing and settlement method provided by an embodiment of the present invention is shown in FIG. Figure 1 As shown, including:

[0040] Step S1, obtaining a user BCE call record file submitted by a service provider, and sending the user BCE call record file to a service user for confirmation;

[0041] Specifically, the automatic clearing and settlement method described in this application can be applied to both domestic roaming services and foreign roaming services.

[0042] Figure 2 The BCE automatic clearing and settlement blockchain system architecture diagram based on blockchain provided in the embodiment of this application, due to the multi-channel characteristics of blockchain, each channel isolates the data. Therefore, a multi-channel method is used to isolate the organizational data. In the embodiment of this application, based on the multi-channel characteristics of the alliance chain, N channels are created to achieve secure isolation of business data.

[0043] The user BCE call record file in this application adopts the latest generation of settlement standards, and uses BCE files to replace TAP and other original call records as the basic data source for clearing and chain processing. The channel isolation mechanism is used to isolate irrelevant data, ensure the security of data between participants, and solve the problem of difficulty in chaining massive call records.

[0044] The service provider uploads the user BCE bill file of the roaming user to the blockchain and obtains the unique blockchain Hash returned; the data in the user BCE bill file parsed by the smart contract is combined with the user BCE bill file Hash returned on the blockchain and stored on the blockchain to form a complete data body; through the above design, members who have established roaming cooperation relationships in each channel of the blockchain can view and process each BCE file information in real time, thereby improving file processing efficiency; the service user confirms the user BCE bill file provided by the service provider, and if the file verification is correct, waits for the bill file to be generated.

[0045] Step S2, when no declaration information is received from the service user, according to the bill settlement instruction, the smart contract is mobilized, a bill file is generated by combining the target tariff agreement information and the user's BCE bill file, and the bill file is stored in the blockchain. The declaration information is the declaration information for the user's BCE bill file.

[0046] Specifically, the target tariff agreement information described in this application may be information pre-negotiated by the service provider and the service user and stored in the blockchain.

[0047] The bill settlement instructions described in this application may be instructions from the service provider or the service user.

[0048] If the service user verifies that the user's BCE call bill file is incorrect, it will file a complaint with respect to the user's BCE call bill file. If the service user verifies that the user's BCE call bill file is correct, it will not file a complaint.

[0049] Therefore, in the absence of declaration information feedback from the service user, the bill generation smart contract on the blockchain is called according to the bill settlement instruction, and the data after the bill generation is returned to and the bill file is encrypted and stored on the blockchain. The bill files queried by the service provider and the operator by default are all generated bill files.

[0050] After the bill is generated, if the service provider or service user has any objection to the bill, they can raise the objection and adjust the account.

[0051] In this application, smart contracts are used to issue bill data on the blockchain, and all members can review the smart contracts in the channel to ensure the disclosure of the data calculation method on the chain and the security of the data. This ensures the credibility of the bill files among channel members to the greatest extent, which is conducive to improving the accuracy and efficiency of subsequent financial settlements.

[0052] In the embodiment of the present application, by adopting BCE file on-chain, the basic settlement data source is fully online in real time, and by designing on-chain protocol signing confirmation and on-chain exception reporting processing, the smart contract is used to issue accounts, so that key information such as tariffs, exception processing information, bills, etc. are transparent, tamper-proof and traceable on the blockchain, so that all business data on the chain is truly reliable and trustworthy, realizing fully automated and efficient operation of roaming clearing services.

[0053] Optionally, after sending the user BCE call record file to the service user for confirmation, the method further includes:

[0054] Obtain the declaration information submitted by the service user;

[0055] Based on the declaration information, a call bill retransmission instruction is sent to the service provider to instruct the service provider to resubmit a new user BCE call bill file.

[0056] Specifically, in the embodiment of the present application, if the service user verifies that the user's BCE call bill file is incorrect, a declaration information will be filed for the user's BCE call bill file.

[0057] The call record retransmission instruction described in this application is used to instruct the service provider to resubmit the correct user BCE call record file.

[0058] In this application, when problems are found in the process of reviewing the user's BCE call record file, objections can be raised in a timely manner, which is conducive to the subsequent generation of accurate billing information.

[0059] Optionally, before obtaining the user BCE call record file submitted by the service provider, the method further includes:

[0060] Obtaining the tariff agreement information submitted by the service provider, and sending the tariff agreement information to the service user for confirmation;

[0061] After receiving confirmation information of the tariff agreement information fed back by the service user, the tariff agreement information is used as target tariff agreement information and stored in the blockchain.

[0062] Optionally, after sending the tariff agreement information to the service user for confirmation, the method further includes:

[0063] In the case that the service user does not agree with the tariff agreement information, obtaining tariff agreement objection information fed back by the service user;

[0064] Based on the tariff agreement objection information, a tariff retransmission instruction is sent to the service provider to instruct the service provider to resubmit new tariff agreement information.

[0065] Specifically, the tariff agreement information described in this application is specifically the tariff information for calculating the final bill, which requires both parties to reach an agreement before the clearing and settlement process and is stored in the blockchain.

[0066] In the embodiment of the present application, the alliance members complete the online signing and management of the tariff agreement on the blockchain, realize the single truth of the tariff agreement information among members, innovate the existing offline agreement signing and member single-point entry agreement tariff management method, and complete the end-to-end process control from agreement entry, signing confirmation, and tariff implementation on the chain, reducing settlement disputes caused by inconsistent tariff agreement information among members.

[0067] This application forms a smart contract that all parties can reach a consensus on and check by writing the roaming tariff agreement into the blockchain system, and then automatically executes the verification and batch price process according to the rules of the contract to complete the data processing related to roaming clearing and settlement. The processing process is traceable, irreversible, safe and reliable.

[0068] Optionally, before obtaining the user BCE call record file submitted by the service provider, the method further includes:

[0069] Obtain the original user's BCE call record file;

[0070] The original BCE call record file is encrypted by combining RSA encryption with AES encryption to obtain a user BCE call record file.

[0071] Specifically, the original user's BCE call record file (BCE file) needs to undergo AES+RSA encryption operation before uploading the blockchain.

[0072] This application adopts RSA+AES double encryption. This method combines the advantages of symmetric encryption algorithm, which is fast in calculation speed and small in space. It also combines the advantages of asymmetric encryption, which is highly secure and convenient in key distribution and management. At the same time, each time a data uploader uploads a data file, AES encryption is used to generate a key, and the key is encrypted and stored in the blockchain data. This greatly improves the security of BCE files.

[0073] Figure 3 The flow chart of the settlement interaction process provided by the embodiment of the present application is as follows: Figure 3As shown, it includes: 1) the service provider uploads the BCE file of the roaming user to the blockchain; 2) the BCE file is uploaded to the blockchain after AES+RSA encryption operation, and a unique blockchain Hash is obtained and returned; the BCE file smart contract is called to check the file format. If the file format is correct, step 3 is executed. If it is incorrect, it returns to step 1; 3) the service user confirms the BCE file of the service provider. If the file verification is correct, it waits for the data call in step 7. If it is incorrect, it returns to step 1 and requires the operator service provider to upload the correct BCE file again; 4) The service provider and the operator service provider can define the tariff agreement information. This time, the tariff agreement submitted by the service provider is taken as an example. In step 4, the service provider submits the tariff agreement to the blockchain network; 5) In step 5, the tariff agreement is sent to the operator service provider for confirmation; 6) In step 6, the operator service provider obtains the tariff agreement information that needs to be reviewed on the blockchain, updates the tariff agreement information after confirmation, and waits for step 7 to be called. If there is any objection, return to step 4 and resubmit; 7) Step 7 is the step of generating a bill through the smart contract. The service provider and the operator service provider click on the blockchain platform interface to execute the service interface for bill generation. The service will call the smart contract on the blockchain to generate a bill, return the generated bill data to and encrypt the bill file and store it on the blockchain. The bill files queried by the service provider and the operator service provider by default are all generated bill files. If there is any objection, the adjustment bill will be generated through the account adjustment process.

[0074] Figure 4 The schematic diagram of the automatic clearing and settlement device provided by the present invention is as follows: Figure 4 As shown, it includes: an acquisition unit 410 and a settlement unit 420; wherein the acquisition unit 410 is used to acquire the user BCE call bill file submitted by the service provider, and send the user BCE call bill file to the service user for confirmation; wherein the settlement unit 420 is used to mobilize the smart contract according to the bill settlement instruction, combine the target tariff agreement information and the user BCE call bill file to generate a bill file, and store the bill file in the blockchain, and the declaration information is the declaration information for the user BCE call bill file.

[0075] The device also includes: a fee confirmation unit;

[0076] The tariff confirmation unit is used to obtain the tariff agreement information submitted by the service provider and send the tariff agreement information to the service user for confirmation;

[0077] After receiving confirmation information of the tariff agreement information fed back by the service user, the tariff agreement information is used as target tariff agreement information and stored in the blockchain.

[0078] The device further comprises: a declaration unit;

[0079] The declaration unit is used to obtain the declaration information submitted by the service user;

[0080] Based on the declaration information, a call bill retransmission instruction is sent to the service provider to instruct the service provider to resubmit a new user BCE call bill file.

[0081] Figure 5 A schematic diagram of the physical structure of the electronic device provided by the present invention, such as Figure 5 As shown, the electronic device may include: a processor 510, a communication interface 520, a memory 530 and a communication bus 540, wherein the processor 510, the communication interface 520 and the memory 530 communicate with each other through the communication bus 540. The processor 510 may call the logic instructions in the memory 530 to execute the real-time bandwidth prediction method of the power communication network service, the method comprising: obtaining the user BCE bill file submitted by the service provider, and sending the user BCE bill file to the service user for confirmation; in the case of not receiving the declaration information fed back by the service user, according to the bill settlement instruction, mobilizing the smart contract, combining the target tariff agreement information and the user BCE bill file to generate a bill file, and storing the bill file in the blockchain, the declaration information is the declaration information for the user BCE bill file.

[0082] In addition, the logic instructions in the above-mentioned memory 530 can be implemented in the form of a software functional unit and can be stored in a computer-readable storage medium when it is sold or used as an independent product. Based on such an understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art or the part of the technical solution, can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0083] On the other hand, the present invention also provides a computer program product, which includes a computer program stored on a non-transitory computer-readable storage medium, and the computer program includes program instructions. When the program instructions are executed by a computer, the computer can execute the real-time bandwidth prediction method for the power communication network service provided by the above methods, and the method includes: obtaining a user BCE bill file submitted by a service provider, and sending the user BCE bill file to a service user for confirmation; in the case where no declaration information is fed back by the service user, according to the bill settlement instruction, mobilizing a smart contract, combining the target tariff agreement information and the user BCE bill file to generate a bill file, and storing the bill file in a blockchain, wherein the declaration information is declaration information for the user BCE bill file.

[0084] On the other hand, the present invention also provides a non-transitory computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, is implemented to execute the real-time bandwidth prediction method for the power communication network service provided in the above-mentioned embodiments, the method comprising: obtaining a user BCE bill file submitted by a service provider, and sending the user BCE bill file to a service user for confirmation; in the case where no declaration information is fed back by the service user, mobilizing a smart contract according to a bill settlement instruction, generating a bill file in combination with the target tariff agreement information and the user BCE bill file, and storing the bill file in a blockchain, wherein the declaration information is declaration information for the user BCE bill file.

[0085] The device embodiments described above are merely illustrative, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Ordinary technicians in this field can understand and implement it without paying creative labor.

[0086] Through the description of the above implementation methods, those skilled in the art can clearly understand that each implementation method can be implemented by means of software plus a necessary general hardware platform, and of course, it can also be implemented by hardware. Based on this understanding, the above technical solution is essentially or the part that contributes to the prior art can be embodied in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, such as ROM / RAM, a disk, an optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in each embodiment or some parts of the embodiments.

[0087] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. However, these modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

1. An automatic clearing and settlement method, characterized in that: include: Obtain the user BCE call record file submitted by the service provider, and send the user BCE call record file to the service user for confirmation; In the case where no declaration information is received from the service user, according to the bill settlement instruction, the smart contract is mobilized to generate a bill file in combination with the target tariff agreement information and the user's BCE bill file, and the bill file is stored in the blockchain, wherein the declaration information is the declaration information for the user's BCE bill file; Before obtaining the user BCE call record file submitted by the service provider, the method further includes: Obtain the original user's BCE call record file; The original user BCE call record file is encrypted by combining RSA encryption with AES encryption to obtain the user BCE call record file.

2. The automatic clearing and settlement method according to claim 1, characterized in that: After sending the user BCE call record file to the service user for confirmation, the method further includes: Obtain the declaration information submitted by the service user; Based on the declaration information, a call bill retransmission instruction is sent to the service provider to instruct the service provider to resubmit a new user BCE call bill file.

3. The automatic clearing and settlement method according to claim 1, characterized in that: Before obtaining the user BCE call record file submitted by the service provider, the method further includes: Obtaining the tariff agreement information submitted by the service provider, and sending the tariff agreement information to the service user for confirmation; After receiving confirmation information of the tariff agreement information fed back by the service user, the tariff agreement information is used as target tariff agreement information and stored in the blockchain.

4. The automatic clearing and settlement method according to claim 3, characterized in that: After sending the tariff agreement information to the service user for confirmation, the method further includes: In the case that the service user does not agree with the tariff agreement information, obtaining tariff agreement objection information fed back by the service user; Based on the tariff agreement objection information, a tariff retransmission instruction is sent to the service provider to instruct the service provider to resubmit new tariff agreement information.

5. An automatic clearing and settlement device, characterized in that: include: An acquisition unit, used to acquire a user BCE bill file submitted by a service provider, and send the user BCE bill file to a service user for confirmation; A settlement unit, configured to, in the case where no declaration information fed back by the service user is received, mobilize a smart contract according to a bill settlement instruction, generate a bill file in combination with the target tariff agreement information and the user's BCE bill file, and store the bill file in a blockchain, wherein the declaration information is declaration information for the user's BCE bill file; Wherein, the device is also used for: Obtain the original user's BCE call record file; The original user BCE call record file is encrypted by combining RSA encryption with AES encryption to obtain the user BCE call record file.

6. The automatic clearing and settlement device according to claim 5, characterized in that: The device also includes: a fee confirmation unit; The tariff confirmation unit is used to obtain the tariff agreement information submitted by the service provider and send the tariff agreement information to the service user for confirmation; After receiving confirmation information of the tariff agreement information fed back by the service user, the tariff agreement information is used as target tariff agreement information and stored in the blockchain.

7. The automatic clearing and settlement device according to claim 5, characterized in that: The device further comprises: a declaration unit; The declaration unit is used to obtain the declaration information submitted by the service user; Based on the declaration information, a call bill retransmission instruction is sent to the service provider to instruct the service provider to resubmit a new user BCE call bill file.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the program, the steps of the automatic clearing and settlement method as claimed in any one of claims 1 to 4 are implemented.

9. A non-transitory computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the automatic clearing and settlement method as claimed in any one of claims 1 to 4 are implemented.

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