Reconciliation method and device for transaction data, computer equipment and storage medium

Abstract

The invention provides a transaction data account checking method and device, computer equipment and a storage medium, and belongs to the technical field of financial data processing. The account checking method for the transaction data comprises the following steps: acquiring real-time transaction data generated by a transaction platform in a transaction process; storing the real-time transaction data into an account checking data memory corresponding to the transaction platform; when it is monitored that the data is stored in the account checking data memory, performing batch processing on the real-time transaction data in the account checking data memory to generate batch processing data; and when it is monitored that the batch processing data is generated, comparing the real-time transaction data with the batch processing data to obtain an account checking result of the real-time transaction data. According to the method and the device, the timeliness of account checking operation on transactions generated by the transaction platform can be improved, so that the phenomenon of account unevenness can be found and corrected in time.

Description

Technical Field

[0001] The present application relates to the technical field of financial data processing, and in particular to a transaction data reconciliation method, device, computer equipment and storage medium. Background Art

[0002] In the related art, in order to ensure the accuracy of transactions, the large number of transactions generated by the trading platform every day are usually reconciled in batch processing on the same night or even the next day. However, reconciliation on the same night or the next day means that it takes at least the next day to know whether the transaction is accurate, so it is impossible to discover and correct the imbalance of accounts in time (the imbalance of accounts refers to the difference between the payment amount of the transaction and the actual amount received).

[0003] Therefore, how to improve the timeliness of reconciliation operations for transactions generated on the trading platform, so as to promptly discover and correct accounting imbalances, has become a technical problem that needs to be solved urgently. Summary of the invention

[0004] The main purpose of the embodiments of the present application is to propose a transaction data reconciliation method, device, computer equipment and storage medium, aiming to improve the timeliness of reconciliation operations on transactions generated by the trading platform, so as to promptly discover and correct accounting imbalances.

[0005] To achieve the above-mentioned purpose, a first aspect of an embodiment of the present application proposes a transaction data reconciliation method, the method comprising:

[0006] Obtain real-time transaction data generated by the trading platform during the transaction process;

[0007] Storing the real-time transaction data in a reconciliation data storage device corresponding to the transaction platform;

[0008] When it is detected that data is stored in the reconciliation data storage device, batch processing is performed on the real-time transaction data in the reconciliation data storage device to generate batch processing data;

[0009] When the batch data is monitored to be generated, the real-time transaction data and the batch data are compared to obtain a reconciliation result of the real-time transaction data.

[0010] In some embodiments, the trading platform includes multiple trading channels, and the multiple trading channels each correspond to a different reconciliation data storage device;

[0011] The obtaining of real-time transaction data generated by the transaction platform during the transaction process includes:

[0012] When it is detected that any target transaction channel among the multiple transaction channels has transaction data generated, acquiring real-time transaction data generated by the target transaction channel during the transaction process;

[0013] The storing the real-time transaction data into a reconciliation data storage device corresponding to the transaction platform includes:

[0014] In the reconciliation data storage corresponding to the transaction platform, a target reconciliation data storage corresponding to the target transaction channel is determined, and the real-time transaction data is stored in the target reconciliation data storage.

[0015] In some embodiments, the method further comprises:

[0016] Obtaining transaction channel configuration instructions for the transaction platform;

[0017] In response to the transaction channel configuration instruction, a new transaction channel is added to the transaction platform; or, in response to the transaction channel configuration instruction, the multiple transaction channels that have been added to the transaction platform are deleted; or, in response to the transaction channel configuration instruction, the reconciliation priority of the multiple transaction channels that have been added to the transaction platform is adjusted.

[0018] In some embodiments, the plurality of transaction channels include at least one first transaction channel and at least one second transaction channel, and the reconciliation priority of the first transaction channel is higher than the reconciliation priority of the second transaction channel;

[0019] When it is detected that data is stored in the reconciliation data storage device, batch processing is performed on the real-time transaction data in the reconciliation data storage device to generate batch processing data, including:

[0020] When it is detected that data is stored in the first target reconciliation data storage device corresponding to the first transaction channel, immediately executing the step of batch processing the real-time transaction data in the reconciliation data storage device to generate batch processing data;

[0021] When it is monitored that data is stored in the second target reconciliation data storage device corresponding to the second transaction channel, the number of the real-time transaction data stored in the second target reconciliation data storage device is counted, and when it is counted that the number of the real-time transaction data reaches a preset number threshold, the step of batch processing the real-time transaction data in the reconciliation data storage device to generate batch data is executed.

[0022] In some embodiments, after comparing the real-time transaction data with the batch data to obtain a reconciliation result of the real-time transaction data, the method further includes:

[0023] Collecting statistics on the reconciliation results of the real-time transaction data in the first target reconciliation data storage device to obtain a first transaction reconciliation success rate corresponding to the first transaction channel;

[0024] Collecting statistics on the reconciliation results of the real-time transaction data in the second target reconciliation data storage device to obtain a second transaction reconciliation success rate corresponding to the second transaction channel;

[0025] When the first transaction reconciliation success rate is higher than the second transaction reconciliation success rate, the reconciliation priorities of the first transaction channel and the second transaction channel are adjusted so that the reconciliation priority of the first transaction channel is lower than the reconciliation priority of the second transaction channel.

[0026] In some embodiments, the real-time transaction data includes at least the actual amount received by the transaction;

[0027] The comparing the real-time transaction data with the batch data to obtain a reconciliation result of the real-time transaction data includes at least one of the following:

[0028] In the case where the batch data includes the payment amount of the transaction user, the actual amount received by the transaction is compared with the payment amount, and when the actual amount received by the transaction is found to be consistent with the payment amount, the reconciliation result of the real-time transaction data is determined to be a successful transaction;

[0029] In the case where the batch data includes the amount of money deducted from the bank account of the transaction agent bank, the actual amount received by the transaction is compared with the amount of money deducted from the bank account, and when the actual amount received by the transaction is found to be consistent with the amount of money deducted from the bank account, the reconciliation result of the real-time transaction data is determined to be a successful transaction;

[0030] In the case where the batch data includes the payment amount of the transaction user and the amount deducted from the bank account of the transaction agent bank, the actual amount received by the transaction is compared with the payment amount and the amount deducted from the bank account at the same time, and when the actual amount received by the transaction is found to be consistent with the payment amount and the actual amount received by the transaction is consistent with the amount deducted from the bank account, the reconciliation result of the real-time transaction data is determined to be a successful transaction.

[0031] In some embodiments, the step of batch processing the real-time transaction data in the reconciliation data storage to generate batch processed data includes at least one of the following:

[0032] In a case where the reconciliation data storage device includes a user transaction order, determining first transaction information under multiple transaction indicators of the real-time transaction data in the user transaction order, and splicing the first transaction information to generate batch data; wherein the first transaction information at least includes the payment amount;

[0033] In a case where the reconciliation data storage device includes a bank transaction flow, second transaction information under multiple transaction indicators of the real-time transaction data is determined in the bank transaction flow, and the second transaction information is spliced ​​to generate batch data; wherein the second transaction information at least includes the amount of deduction from the bank account.

[0034] To achieve the above-mentioned purpose, a second aspect of an embodiment of the present application provides a transaction data reconciliation device, the device comprising:

[0035] The transaction data acquisition module is used to obtain the real-time transaction data generated by the transaction platform during the transaction process;

[0036] A transaction data storage module, used to store the real-time transaction data into a reconciliation data storage device corresponding to the transaction platform;

[0037] A batch data generation module, configured to perform batch processing on the real-time transaction data in the reconciliation data storage to generate batch data when detecting that data is stored in the reconciliation data storage;

[0038] The reconciliation module is used to compare the real-time transaction data with the batch data when the batch data is detected to be generated, so as to obtain the reconciliation result of the real-time transaction data.

[0039] To achieve the above-mentioned purpose, the third aspect of an embodiment of the present application proposes a computer device, which includes a memory and a processor, the memory stores a computer program, and the processor implements the method described in the first aspect when executing the computer program.

[0040] To achieve the above-mentioned purpose, the fourth aspect of an embodiment of the present application proposes a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method described in the first aspect is implemented.

[0041] To achieve the above-mentioned purpose, the fifth aspect of the embodiments of the present application proposes a computer program product, which stores a computer program. When the computer program is executed by a processor, it implements the method described in the first aspect.

[0042] The transaction data reconciliation method, apparatus, computer equipment, computer-readable storage medium and computer program product proposed in the present application obtain real-time transaction data generated by a transaction platform, and store the obtained real-time transaction data in a reconciliation data storage device corresponding to the transaction platform, and when it is detected that there is data stored in the reconciliation data storage device, batch-process the real-time transaction data in the reconciliation data storage device to generate batch data, and when it is detected that batch data is generated, compare the real-time transaction data with the batch data to obtain the reconciliation result of the real-time transaction data.

[0043] Thus, compared to reconciling transactions on the night of the transaction or the next day, this application monitors whether real-time transaction data is acquired and whether batch data is generated, thereby generating batch data when real-time transaction data is acquired, and comparing real-time transaction data with batch data when batch data is generated. In this way, when real-time transaction data is generated on the trading platform, reconciliation operations can be performed on real-time transaction data more quickly and accurately, improving the timeliness of reconciliation operations on transactions generated by the trading platform, so that imbalances in accounts can be discovered and corrected in a timely manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] Figure 1 A schematic diagram of the steps of the transaction data reconciliation method provided in some embodiments of the present application;

[0045] Figure 2 A schematic diagram of the steps of the transaction data reconciliation method provided in the embodiment of the present application in other embodiments;

[0046] Figure 3 for Figure 1 A detailed flow chart of step S103;

[0047] Figure 4 A schematic diagram of the steps of the transaction data reconciliation method provided in the embodiment of the present application in some other embodiments;

[0048] Figure 5 for Figure 1 A detailed flow chart of step S104;

[0049] Figure 6 for Figure 1 Another detailed flow chart of step S103;

[0050] Figure 7 A schematic diagram of the structure of a transaction data reconciliation device provided in an embodiment of the present application;

[0051] Figure 8A schematic diagram of the hardware structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0052] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0053] It should be noted that, although the functional modules are divided in the device schematic diagram and the logical order is shown in the flowchart, in some cases, the steps shown or described may be performed in a different order than the module division in the device or the order in the flowchart. The terms "first", "second", etc. in the specification, claims and the above drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence.

[0054] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art to which this application belongs. The terms used herein are only for the purpose of describing the embodiments of this application and are not intended to limit this application.

[0055] First, some nouns involved in this application are analyzed:

[0056] Natural language processing (NLP): NLP uses computers to process, understand and apply human languages ​​(such as Chinese, English, etc.). NLP is a branch of artificial intelligence and an interdisciplinary subject between computer science and linguistics. It is often referred to as computational linguistics. Natural language processing includes grammatical analysis, semantic analysis, and text understanding. Natural language processing is often used in technical fields such as machine translation, handwritten and printed character recognition, speech recognition and text-to-speech conversion, information intent recognition, information extraction and filtering, text classification and clustering, public opinion analysis and opinion mining. It involves data mining related to language processing, machine learning, knowledge acquisition, knowledge engineering, artificial intelligence research, and linguistic research related to language computing.

[0057] Information Extraction: A text processing technology that extracts specified types of entity, relationship, event and other factual information from natural language text and forms structured data output. Information extraction is a technology that extracts specific information from text data. Text data is composed of some specific units, such as sentences, paragraphs, and chapters. Text information is composed of some small specific units, such as characters, words, phrases, sentences, paragraphs, or a combination of these specific units. Extracting noun phrases, names, place names, etc. from text data are all text information extraction. Of course, the information extracted by text information extraction technology can be various types of information.

[0058] Next, the overall concept of this application is explained:

[0059] With the rise of car rental business, some trading platforms covering car rental business have a large number of debit transactions every day. If there is network delay and system failure during the debit transaction, it will easily lead to a difference between the transaction amount paid by the customer and the actual amount received by the system, resulting in an account imbalance phenomenon where there is a difference between the transaction amount and the actual amount received. Therefore, in order to ensure the accuracy of the debit transaction, it is necessary to reconcile the debit transaction.

[0060] In the related art, for the large number of transactions generated by the trading platform every day, the reconciliation operation is usually carried out in batch processing on the same night or even the next day. However, if the reconciliation operation is carried out on the same night or the next day, it means that it takes at least the next day to know whether the transaction is accurate, so it is impossible to discover and correct the imbalance in the account in time.

[0061] Therefore, how to improve the timeliness of reconciliation operations for transactions generated on the trading platform, so as to promptly discover and correct accounting imbalances, has become a technical problem that needs to be solved urgently.

[0062] In response to this problem, the embodiments of the present application provide a transaction data reconciliation method, device, computer equipment, and computer-readable storage medium, which are intended to improve the timeliness of reconciliation operations on transactions generated by the trading platform, so as to promptly discover and correct accounting imbalances. On the one hand, the present application obtains real-time transaction data generated by the trading platform and stores the acquired real-time transaction data in the reconciliation data storage device corresponding to the trading platform; on the other hand, when it is detected that there is data stored in the reconciliation data storage device, the real-time transaction data in the reconciliation data storage device is batch-processed to generate batch data; on the other hand, when it is detected that batch data is generated, the real-time transaction data and the batch data are compared to obtain the reconciliation result of the real-time transaction data.

[0063] Thus, compared to reconciling transactions on the night of the transaction or the next day, this application monitors whether real-time transaction data is acquired and whether batch data is generated, thereby generating batch data when real-time transaction data is acquired, and comparing real-time transaction data with batch data when batch data is generated. In this way, when real-time transaction data is generated on the trading platform, reconciliation operations on real-time transaction data are performed more quickly and accurately, improving the timeliness of reconciliation operations on transactions generated on the trading platform, so that imbalances in accounts can be discovered and corrected in a timely manner, improving reconciliation efficiency and transaction accuracy.

[0064] Based on the overall concept of the present application described above, various specific embodiments of the transaction data reconciliation method, apparatus, computer device, and computer-readable storage medium provided in the embodiments of the present application are proposed. First, the transaction data reconciliation method provided in the embodiments of the present application is described in detail.

[0065] It should be noted that in each specific implementation of the present application, when it comes to the need to perform relevant processing based on data related to user identity or characteristics such as user information, user behavior data, user historical data, and user location information, the user's permission or consent will be obtained first, and the collection, use, and processing of these data will comply with relevant laws, regulations, and standards. In addition, when the embodiment of the present application needs to obtain the user's sensitive personal information, the user's separate permission or consent will be obtained through a pop-up window or by jumping to a confirmation page. After clearly obtaining the user's separate permission or consent, the necessary user-related data for the normal operation of the embodiment of the present application will be obtained.

[0066] The transaction data reconciliation method provided in the embodiment of the present application relates to the field of financial data processing technology. The transaction data reconciliation method provided in the embodiment of the present application can be applied to the terminal, can also be applied to the server side, and can also be software running in the terminal or the server side. In some embodiments, the terminal can be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc.; the server side can be configured as an independent physical server, or it can be configured as a server cluster or distributed system composed of multiple physical servers, and can also be configured to provide cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content distribution networks (Content Delivery Network, CDN) and big data and artificial intelligence platforms and other basic cloud computing services. Cloud servers; software can be applications that implement transaction data reconciliation methods, etc., but are not limited to the above forms.

[0067] For ease of understanding and explanation, the following text takes the method for reconciling transaction data provided by the embodiment of the present application as an example to explain the present application in detail. The implementation of the method for reconciling transaction data provided by the embodiment of the present application in any of the above-mentioned forms of subject application can refer to the process of the method for reconciling transaction data provided by the terminal device application described later.

[0068] Please refer to Figure 1 , Figure 1 A flowchart of the steps in some embodiments of the transaction data reconciliation method provided in the present application embodiment. It should be understood that although Figure 1 The execution order of some method steps is shown in the figure, but based on different design requirements of actual applications, the transaction data reconciliation method provided in the embodiment of the present application can certainly adopt an execution order different from the method steps shown in the figure. That is, Figure 1 The order of the steps in the method shown does not constitute a limitation on the execution logic order of the transaction data reconciliation method provided in the embodiment of the present application. Figure 1 Reasonable changes in the order of the method steps shown should be included in the scope of protection of the transaction data reconciliation method provided in the embodiments of the present application.

[0069] like Figure 1 As shown, in some embodiments, the transaction data reconciliation method provided in the embodiments of the present application may include but is not limited to steps S101 to S104.

[0070] Step S101, obtaining real-time transaction data generated by the transaction platform during the transaction process.

[0071] The terminal device monitors whether the trading platform generates real-time transaction data, and when it detects that the trading platform generates real-time transaction data, it immediately obtains the real-time transaction data generated by the trading platform during the transaction process.

[0072] It should be noted that the trading platform can be a data exchange platform that enables transaction parties to buy and sell goods or services. For example, in the case where the trading platform covers the car rental business, the business party providing car rental services in the car rental business can display the vehicles available for rent through the trading platform and charge users who have car rental needs for renting a certain vehicle. Users who have car rental needs can specifically select the vehicle they want to rent through the trading platform and pay the rental fee of the vehicle to the business party who rents the vehicle through the trading platform. In addition, in the case where the user pays the fee to the business party through the agent bank, the agent bank will specifically deduct the amount in the user's bank account and pay the deducted amount to the business party through the trading platform.

[0073] In addition, the real-time transaction data generated by the trading platform during the transaction process is: the transaction data generated by the transaction-related parties on the trading platform during the transaction process of buying and selling goods or services through the trading platform, which is recorded by the trading platform. For example, the business party that provides car rental services in the car rental business (such as the equipment used by the business party to collect car rental fees) can automatically generate or generate real-time transaction data containing information such as transaction time, actual transaction amount, transaction payment account, and transaction collection account based on the manual operation of the business party staff when each car rental fee is received through the trading platform. It should be understood that based on the different design needs of actual applications, in different feasible implementations, in addition to the actual transaction amount, the real-time transaction data can also contain other information related to the transaction that is not listed here. The transaction data reconciliation method provided in the embodiment of the present application does not limit the types of other information contained in the real-time transaction data except the actual transaction amount.

[0074] In some embodiments, the terminal device can be responsible for reading the data stream generated by the trading platform in real time through a distributed stream processing platform (Apache Kafka), so as to immediately obtain real-time transaction data when the trading platform generates real-time transaction data during the transaction process.

[0075] Step S102: storing the real-time transaction data into a reconciliation data storage device corresponding to the transaction platform.

[0076] After acquiring the real-time transaction data generated by the trading platform during the transaction process, the terminal device immediately stores the acquired real-time transaction data in the reconciliation data storage device corresponding to the trading platform.

[0077] In some embodiments, the terminal device may pre-configure one or more reconciliation data storage devices for the transaction platform to store real-time transaction data that requires reconciliation operations through the reconciliation data storage devices.

[0078] It should be noted that the reconciliation data storage device corresponding to the trading platform can be regarded as a trading pool of the reconciliation operation node. The terminal device stores the real-time transaction data that needs to be reconciled in the trading pool, and then obtains the real-time transaction data from the trading pool to perform reconciliation operations on the real-time transaction data.

[0079] Step S103: when it is detected that data is stored in the reconciliation data storage, batch processing is performed on the real-time transaction data in the reconciliation data storage to generate batch processing data.

[0080] In addition to monitoring whether the car rental business generates real-time transaction data, the terminal device also monitors whether there is data stored in the reconciliation data storage device corresponding to the car rental business. Therefore, when the terminal device detects that there is data stored in the reconciliation data storage device, it can immediately extract information from the newly stored real-time transaction data in the reconciliation data storage device, thereby obtaining multiple transaction indicators corresponding to the real-time transaction data. Afterwards, the terminal device can generate batch data corresponding to the real-time transaction data that needs to be reconciled through batch processing by splicing the data corresponding to the multiple transaction indicators.

[0081] It should be noted that the multiple transaction indicators extracted by the terminal device from the real-time transaction data include but are not limited to: time, amount, product name, payer and payee, etc. It should be understood that based on different design requirements of actual applications, in different feasible implementations, the multiple transaction indicators extracted by the terminal device may of course also include other transaction-related information not listed here, and the transaction data reconciliation method provided in the embodiment of the present application does not limit the specific types of transaction indicators extracted by the terminal device from the real-time transaction data.

[0082] In addition, the data corresponding to the multiple transaction indicators may be transaction-related data stored in the reconciliation data storage device by the transaction-related parties. Alternatively, the data corresponding to the multiple transaction indicators may also be transaction-related data collected from the transaction-related parties by the terminal device sending a request to obtain data under the multiple transaction indicators to the transaction-related parties.

[0083] In some embodiments, after the terminal device extracts the newly stored real-time transaction data from the reconciliation data storage device, it can analyze and process the real-time transaction data through natural language processing technology, thereby extracting multiple transaction indicators including time, amount, product name, payer and payee as the real-time transaction data.

[0084] In some embodiments, the terminal device can read the newly stored real-time transaction data from the reconciliation data storage in real time or periodically through a distributed system infrastructure (Hadoop) and generate batch data.

[0085] In some embodiments, when the terminal device reads the real-time transaction data from the reconciliation data storage through the distributed system infrastructure, if there is historical data in the reconciliation data storage that indicates whether or not a reconciliation operation has been performed, the terminal device may also periodically read the historical data in the reconciliation data storage through the distributed system infrastructure, and generate corresponding batch data to perform a reconciliation operation on the historical data. In this way, efficient reconciliation processing can be performed on the possible historical data while performing real-time reconciliation on the newly generated real-time transaction data.

[0086] Step S104, when the batch data is detected to be generated, the real-time transaction data and the batch data are compared to obtain a reconciliation result of the real-time transaction data.

[0087] The terminal device also monitors whether batch data is generated. When the terminal device detects that batch data has been generated, it immediately performs a reconciliation operation on the currently generated batch data, that is, the terminal device extracts the real-time transaction data from the reconciliation data storage device and compares it with the currently generated batch data. When the comparison finds that the data of the real-time transaction data under multiple transaction indicators is consistent with the data of the batch data under the same multiple transaction indicators, the reconciliation result of the real-time transaction data is a successful transaction.

[0088] In some embodiments, the terminal device can compare real-time transaction data and batch data by using a big data computing framework (Spark), thereby achieving the functional purpose of performing real-time reconciliation operations on real-time transaction data.

[0089] For example, when a business party providing car rental services in a car rental business receives a car rental fee through a trading platform, the trading platform believes that the business party is conducting a transaction based on the trading platform, thereby automatically generating real-time transaction data containing information such as transaction time, actual transaction amount, transaction payment account, and transaction payment account. When the terminal device monitors the trading platform to generate the real-time transaction data, it immediately obtains the real-time transaction data through the Apache Kafka stream processing framework and stores the real-time transaction data in the reconciliation data storage corresponding to the trading platform. Afterwards, when the terminal device further monitors that data is stored in the reconciliation data storage, it extracts the real-time transaction data newly stored in the reconciliation data storage through the Hadoop batch processing framework, and extracts information from the real-time transaction data by using natural language processing technology, thereby obtaining the three transaction indicators of the real-time transaction data: "transaction time", "transaction amount" and "transaction payer". Then, the terminal device detects whether the transaction-related data uploaded by the transaction-related parties of the car rental business (such as a user with a car rental demand and the user's agent bank) is stored in the reconciliation data storage device, and when the transaction-related data is detected to exist in the reconciliation data storage device, the transaction data corresponding to the three transaction indicators of "transaction time", "transaction amount" and "transaction payer" are extracted from the transaction-related data, and then the transaction data corresponding to the three transaction indicators are spliced ​​in the form of [time, amount, payer], thereby generating a batch data that needs to be reconciled in a batch processing manner. Finally, when the terminal device detects that batch data is currently being generated, it uses the Spark big data processing framework to immediately compare the batch data with the real-time transaction data currently extracted from the reconciliation data storage. In this way, when the data under the "transaction time" indicator in the real-time transaction data is consistent with the "time" in the batch data, the data under the "transaction amount" indicator in the real-time transaction data is consistent with the "amount" in the batch data, and the data under the "transaction payer" indicator in the real-time transaction data is consistent with the "payer" in the batch data, the terminal device generates a reconciliation result of a successful transaction.

[0090] In the embodiment of the present application, the terminal device monitors whether the trading platform generates real-time transaction data, so that when it is detected that the trading platform generates real-time transaction data, the real-time transaction data generated by the trading platform during the transaction process is immediately obtained. After that, the terminal device stores the acquired real-time transaction data in the reconciliation data storage corresponding to the trading platform. When the terminal device detects that there is data stored in the reconciliation data storage, it immediately extracts information from the newly stored real-time transaction data in the reconciliation data storage, thereby obtaining multiple transaction indicators corresponding to the real-time transaction data, and the terminal device splices the data corresponding to the multiple transaction indicators to generate batch data corresponding to the real-time transaction data that needs to be reconciled by batch processing. Furthermore, when the terminal device detects that batch data has been generated, it immediately performs a reconciliation operation on the currently generated batch data to obtain the reconciliation result of the real-time transaction data.

[0091] In this way, the embodiment of the present application monitors whether real-time transaction data is acquired and whether batch data is generated, thereby generating batch data when it is detected that real-time transaction data is acquired, and comparing the real-time transaction data with the batch data when it is detected that batch data is generated. This enables faster and more accurate reconciliation of real-time transaction data when real-time transaction data is generated on the trading platform, thereby improving the timeliness of reconciliation operations on transactions generated on the trading platform. In this way, compared with reconciliation operations on transactions on the evening of the same day or the next day when the transactions are generated, the embodiment of the present application can promptly discover and correct account imbalances, thereby improving reconciliation efficiency and transaction accuracy.

[0092] In addition, the embodiment of the present application obtains real-time transaction data through the terminal device when monitoring the transaction data generated by the transaction platform, and stores the obtained real-time transaction data in the reconciliation data storage device, and when the terminal device monitors that data is stored in the reconciliation data storage device, the real-time transaction data in the reconciliation data storage device is read for batch processing to generate batch data, and when the terminal device monitors the generation of batch data, the real-time transaction data is immediately compared with the batch data to achieve the real-time reconciliation function. In this way, it can be found that obtaining real-time transaction data and reading real-time transaction data for batch processing and performing reconciliation operations can realize business decoupling from each other, so that the terminal device can perform real-time reconciliation on the transaction data already generated by the transaction platform without affecting the transaction data generated by the real-time deduction business of the transaction platform, so as to timely discover and correct the imbalance of accounts.

[0093] The terminal device can monitor one or more transaction channels of the transaction platform, so that when transaction data is generated in any target transaction channel, the terminal device can obtain real-time transaction data and perform real-time reconciliation operations on the real-time transaction data later.

[0094] In some embodiments, when the trading platform includes multiple trading channels, the above step S101, obtaining real-time trading data generated by the trading platform during the trading process, may include:

[0095] When it is monitored that transaction data is generated in any target transaction channel among the multiple transaction channels, the real-time transaction data generated by the target transaction channel during the transaction process is acquired.

[0096] The terminal device monitors multiple transaction channels of the trading platform respectively. In this way, when transaction data is generated in a target transaction channel among the multiple transaction channels, the terminal device obtains the real-time transaction data generated by the target transaction channel during the transaction process through the distributed stream processing platform.

[0097] It should be noted that the terminal device can pre-allocate coverage services to multiple transaction channels of the transaction platform.

[0098] Exemplarily, the terminal device can assign one or more target transaction channels in the transaction platform to cover the car rental business. Thus, when the business party providing car rental services in the car rental business receives a car rental fee through the target transaction channel of the transaction platform, the transaction platform believes that the business party is conducting a transaction based on the target transaction channel, and encapsulates the data interacting in the target transaction channel to generate real-time transaction data. The terminal device can obtain the real-time transaction data generated by the transaction platform based on the data interacting with the target transaction channel when monitoring that the target transaction channel covering the car rental business generates data during the transaction process.

[0099] In some embodiments, the terminal device may configure a reconciliation data storage device for multiple transaction channels of the transaction platform, so that each of the multiple transaction channels of the transaction platform corresponds to a reconciliation data storage device.

[0100] In other embodiments, considering that each transaction channel of the trading platform may generate more and more real-time transaction data, the terminal device may configure at least one reconciliation data storage device for each transaction channel of the trading platform. In this way, the reconciliation data storage devices corresponding to the multiple transaction channels of the trading platform are different.

[0101] In some embodiments, when the reconciliation data storage devices corresponding to the transaction channels are different, the above step S102, storing the real-time transaction data in the reconciliation data storage device corresponding to the transaction platform, may include:

[0102] In the reconciliation data storage corresponding to the transaction platform, a target reconciliation data storage corresponding to the target transaction channel is determined, and the real-time transaction data is stored in the target reconciliation data storage.

[0103] In the case where the terminal device has pre-configured a reconciliation data storage device for each transaction channel of the transaction platform, after the terminal device obtains the real-time transaction data generated by the target transaction channel of the transaction platform during the transaction process through the distributed stream processing platform, the terminal device needs to further determine the target reconciliation data storage device pre-configured to the target transaction channel among the multiple reconciliation data storage devices corresponding to the transaction platform. Then, the terminal device stores the currently acquired real-time transaction data into the target reconciliation data storage device corresponding to the target transaction channel, so that the real-time transaction data can be subsequently extracted from the target reconciliation data storage device to generate batch data and perform reconciliation.

[0104] In this embodiment, when the trading platform has one or more trading channels, the terminal device monitors one or more trading channels of the trading platform, so that when transaction data is generated in any target trading channel, the terminal device obtains real-time transaction data to perform real-time reconciliation operations on the real-time transaction data later. In this way, the imbalance of accounts can be discovered and corrected in a timely manner, thereby improving reconciliation efficiency and transaction accuracy.

[0105] Before monitoring one or more transaction channels of the trading platform, the terminal device can also pre-configure the transaction channels of the trading platform. Alternatively, the terminal device can also flexibly add, delete, and adjust the reconciliation priority of one or more transaction channels of the trading platform during the process of monitoring one or more transaction channels of the trading platform.

[0106] Please refer to Figure 2 , Figure 2 A flowchart of the steps of the transaction data reconciliation method provided in the embodiment of the present application in other embodiments.

[0107] like Figure 2 As shown, in some embodiments, the transaction data reconciliation method provided in the embodiments of the present application may also include the following steps S201 to S204.

[0108] Step S201, obtaining a transaction channel configuration instruction for the transaction platform.

[0109] It should be noted that the transaction channel configuration instructions can be triggered by the operation and maintenance staff of the terminal device or the transaction-related parties associated with the transaction platform, and are used to add / delete the transaction channels of the transaction platform, or to adjust one or more transaction channels of the transaction platform (for example, adjust the reconciliation priority).

[0110] The terminal device may obtain a transaction channel configuration instruction for configuring one or more transaction channels of the transaction platform before monitoring the one or more transaction channels of the transaction platform. Alternatively, the terminal device may also obtain a transaction channel configuration instruction for adjusting the configuration of the one or more transaction channels during monitoring the one or more transaction channels of the transaction platform.

[0111] Step S202: adding a new transaction channel to the transaction platform in response to the transaction channel configuration instruction.

[0112] After obtaining the transaction channel configuration instruction for the transaction platform, the terminal device parses the transaction channel configuration instruction through natural language processing. When it is determined through the analysis that the transaction channel configuration instruction is an instruction for adding a transaction channel, the terminal device responds to the transaction channel configuration instruction, thereby first extracting the identifier of the transaction channel to be added from the instruction, and then adding a new transaction channel to the transaction platform according to the identifier.

[0113] It should be noted that the terminal device can identify the information encapsulated in the transaction channel configuration instruction through natural language processing, so as to determine the specific role of the transaction channel configuration instruction, and determine the key information contained in the transaction channel configuration instruction, such as "instruction source", "instruction response conditions", "instruction operation content" and "target transaction channel identification". It should be understood that based on the different design needs of actual applications, the terminal device can of course also use other methods to parse and identify the transaction channel configuration instructions. The transaction data reconciliation method provided in the embodiment of the present application is not limited to the specific method used by the terminal device to parse and identify the transaction channel configuration instructions. In addition, in other feasible implementations, the transaction channel configuration instructions may also include other information not listed here.

[0114] Step S203: Deleting the multiple transaction channels added to the transaction platform in response to the transaction channel configuration instruction.

[0115] When the terminal device obtains the transaction channel configuration instruction and determines by parsing the instruction that the instruction is used to delete the transaction channel, the terminal device responds to the transaction channel configuration instruction and locates the target transaction channel pointed to by the identifier from one or more transaction channels of the trading platform according to the identifier of the transaction channel to be deleted carried in the instruction, and deletes the target transaction channel, if the response conditions of the transaction channel configuration instruction are met.

[0116] It should be noted that when the acquired transaction channel configuration instruction is used to delete a transaction channel, the "instruction response condition" contained in the transaction channel configuration instruction can at least be "the transaction channel to be deleted generates transaction data within a preset time (such as 5 seconds)". It should be understood that based on different design requirements of actual applications, in different feasible implementations, when the transaction channel configuration instruction is used to delete a transaction channel, the "instruction response condition" contained in the transaction channel configuration instruction can of course also include other conditions. The transaction data reconciliation method provided in the embodiment of the present application does not limit the specific content of the "instruction response condition".

[0117] Step S204: adjusting the account reconciliation priorities of the multiple transaction channels added to the transaction platform in response to the transaction channel configuration instruction.

[0118] When the terminal device obtains the transaction channel configuration instruction and determines by parsing the instruction that the instruction is used to adjust the reconciliation priority of the transaction channel, the terminal device responds to the transaction channel configuration instruction to locate the target transaction channel pointed to by the identifier of the transaction channel that needs to be adjusted carried in the instruction, if the response conditions of the transaction channel configuration instruction are met, and adjusts the reconciliation priority to the target priority as required by the instruction, and performs the reconciliation priority adjustment operation on the target transaction channel.

[0119] It should be noted that the terminal device can pre-configure the reconciliation priority for one or more transaction channels of the transaction platform. The reconciliation priority of the transaction channel is used to indicate the response time of the terminal device for the reconciliation operation of the transaction data generated in the transaction channel. For example, if the terminal device pre-configures the reconciliation priority of the first transaction channel of the transaction platform as "immediate response", then the terminal device will immediately generate the corresponding batch data and perform reconciliation operations on the real-time transaction data generated by the first transaction channel. For another example, if the terminal device pre-configures the reconciliation priority of the second transaction channel of the transaction platform as "respond when the number of accumulated transaction data reaches a preset number threshold (such as 5)", then the terminal device will generate the corresponding batch data and perform reconciliation operations on the real-time transaction data generated by the second transaction channel after the number of real-time transaction data generated by the second transaction channel reaches the preset number threshold.

[0120] In this embodiment, a transaction channel configuration instruction for configuring one or more transaction channels of the transaction platform is obtained through the terminal device, so that a new transaction channel is added to the transaction platform, multiple transaction channels that have been added to the transaction platform are deleted, or the reconciliation priority of multiple transaction channels that have been added to the transaction platform is adjusted in response to the transaction channel configuration instruction. In this way, when the transaction platform has new reconciliation requirements or is expanded to cover other application scenarios, the transaction channel configuration can be performed on the transaction platform accordingly, so that the reconciliation operation of the transaction data is scalable and configurable, so that it can be customized and configured according to different requirements and application scenarios.

[0121] When a trading platform is configured with multiple trading channels and each of the multiple trading channels has a different reconciliation priority, when generating batch data, the terminal device can generate batch data according to the reconciliation priorities of the multiple trading channels and adapt to different response time limits.

[0122] Please refer to Figure 3 , Figure 3 for Figure 1 A detailed flow chart of step S103 in FIG.

[0123] like Figure 3 As shown, in some embodiments, when the multiple transaction channels of the transaction platform include at least one first transaction channel and at least one second transaction channel, and the reconciliation priority of the first transaction channel is higher than the reconciliation priority of the second transaction channel, the above-mentioned step S103, when it is detected that there is data stored in the reconciliation data storage, batch processing the real-time transaction data in the reconciliation data storage to generate batch data, may include the following steps S301 to S302.

[0124] Step S301, when it is detected that data is stored in the first target reconciliation data storage corresponding to the first transaction channel, immediately execute the step of batch processing the real-time transaction data in the reconciliation data storage to generate batch processing data.

[0125] During the process of monitoring whether there is data stored in the reconciliation data storage device corresponding to the trading platform, if the terminal device detects that there is data stored in the first target reconciliation data storage device corresponding to the first transaction channel in the multiple trading platforms of the trading platform, since the reconciliation priority pre-configured by the terminal device for the first transaction channel is immediate response, the terminal device immediately executes the step of batch processing the real-time transaction data in the reconciliation data storage device to generate batch data in the above step S103, so as to immediately extract information from the real-time transaction data newly stored in the first target reconciliation data storage device to obtain multiple transaction indicators corresponding to the real-time transaction data, and generate batch data corresponding to the real-time transaction data by splicing the data corresponding to the multiple transaction indicators.

[0126] Step S302, when it is monitored that data is stored in the second target reconciliation data storage device corresponding to the second transaction channel, the number of the real-time transaction data stored in the second target reconciliation data storage device is counted, and when it is counted that the number of the real-time transaction data reaches a preset number threshold, the step of batch processing the real-time transaction data in the reconciliation data storage device to generate batch data is executed.

[0127] In the process of monitoring whether there is data stored in the reconciliation data storage device corresponding to the trading platform, if the terminal device detects that there is data stored in the second target reconciliation data storage device corresponding to the second transaction channel in multiple trading platforms of the trading platform, since the reconciliation priority pre-configured by the terminal device for the second transaction channel is to respond when the number of accumulated transaction data reaches a preset number threshold (such as 5), the terminal device counts the number of new real-time transaction data that have not been reconciled stored in the second target reconciliation data storage device, and continues to wait for new real-time transaction data to be stored in the second target reconciliation data storage device if the number does not reach the preset number threshold. When the number of real-time transaction data that have not been reconciled and stored in the second target reconciliation data storage reaches a preset number threshold, the terminal device executes the step of batch processing the real-time transaction data in the reconciliation data storage to generate batch data in the above step S103, so as to immediately extract information from all real-time transaction data that have not been reconciled newly stored in the second target reconciliation data storage in a batch processing manner to obtain multiple transaction indicators corresponding to each real-time transaction data, and splice the data corresponding to the multiple transaction indicators corresponding to each real-time transaction data, so as to generate batch data corresponding to each real-time transaction data.

[0128] In this embodiment, batch data is generated by the terminal device according to the reconciliation priorities of the respective multiple transaction channels to adapt to different response time efficiencies, and then reconciliation is achieved by comparing the real-time transaction data with the batch data. In this way, the terminal device can configure a higher reconciliation priority for the transaction channel with higher reconciliation response time requirements, and configure a relatively lower reconciliation priority for the transaction channel with lower reconciliation response time requirements, which not only ensures real-time reconciliation of transaction data with higher time requirements, but also can flexibly apply the computing power resources of the device, thereby achieving more efficient reconciliation of transaction data generated in multiple transaction channels of the trading platform.

[0129] The terminal device can also flexibly adjust the reconciliation priority of multiple transaction channels by counting the reconciliation success rate of real-time transaction data generated by multiple transaction channels of the trading platform.

[0130] Please refer to Figure 4 , Figure 4 A flowchart of the steps of the transaction data reconciliation method provided in the embodiment of the present application in some other embodiments.

[0131] like Figure 4 As shown, in some embodiments, in the above-mentioned step S104, after comparing the real-time transaction data and the batch data to obtain the reconciliation result of the real-time transaction data, the transaction data reconciliation method provided in the embodiment of the present application may also include the following steps S401 to S403.

[0132] Step S401, collecting statistics on the reconciliation results of the real-time transaction data in the first target reconciliation data storage to obtain a first transaction reconciliation success rate corresponding to the first transaction channel;

[0133] After each reconciliation operation is performed on the real-time transaction data generated by the first transaction channel stored in the first target reconciliation data storage device, the terminal device collects statistics on the reconciliation results of the real-time transaction data to obtain the success rate of the reconciliation operation on the real-time transaction data generated by the first transaction channel, and uses the success rate as the first transaction reconciliation success rate corresponding to the first transaction channel.

[0134] Exemplarily, assuming that after the terminal device performs a reconciliation operation on the real-time transaction data generated by the first transaction channel under the 10th condition stored in the first target reconciliation data storage, the terminal device classifies the reconciliation results of a total of 10 real-time transaction data generated by the first transaction channel in the first target reconciliation data storage, thereby obtaining 10 reconciliation results that all are successful transactions. In this way, the terminal device can statistically obtain a success rate of 100% for the reconciliation operation on the real-time transaction data generated by the first transaction channel, and use the success rate of 100% as the first transaction reconciliation success rate corresponding to the first transaction channel.

[0135] Step S402, collecting statistics on the reconciliation results of the real-time transaction data in the second target reconciliation data storage device to obtain a second transaction reconciliation success rate corresponding to the second transaction channel;

[0136] After each reconciliation operation is performed on the real-time transaction data generated by the second transaction channel stored in the second target reconciliation data storage device, the terminal device collects statistics on the reconciliation results of the real-time transaction data to obtain the success rate of the reconciliation operation on the real-time transaction data generated by the second transaction channel, and uses the success rate as the second transaction reconciliation success rate corresponding to the second transaction channel.

[0137] Step S403: When the first transaction reconciliation success rate is higher than the second transaction reconciliation success rate, adjust the reconciliation priority of the first transaction channel and the second transaction channel so that the reconciliation priority of the first transaction channel is lower than the reconciliation priority of the second transaction channel.

[0138] After the terminal device obtains the first transaction reconciliation success rate corresponding to the first transaction channel and the second transaction reconciliation success rate corresponding to the second transaction channel, the terminal device compares the first transaction reconciliation success rate with the second transaction reconciliation success rate. When the first transaction reconciliation success rate is higher than the second transaction reconciliation success rate, the terminal device generates a transaction channel configuration instruction for adjusting the transaction channel reconciliation priority, thereby adjusting the respective reconciliation priorities of the first transaction channel and the second transaction channel, so that the reconciliation priority of the first transaction channel is changed from being higher than the reconciliation priority of the second transaction channel to being lower than the reconciliation priority of the second transaction channel.

[0139] Exemplarily, when the terminal device finds through comparison that the reconciliation success rate of the first transaction is higher than the reconciliation success rate of the second transaction, the terminal device may adjust the reconciliation priority of the first transaction channel from immediate response to responding when the accumulated number of transaction data reaches a preset number threshold (such as 5 items), and at the same time adjust the reconciliation priority of the second transaction channel from responding when the accumulated number of transaction data reaches a preset number threshold (such as 5 items) to immediate response, thereby changing the reconciliation priority of the first transaction channel from being higher than the reconciliation priority of the second transaction channel to being lower than the reconciliation priority of the second transaction channel.

[0140] In this embodiment, the terminal device counts the reconciliation success rates of the real-time transaction data generated by each of the multiple transaction channels of the transaction platform, and when the first transaction reconciliation success rate corresponding to the first transaction channel is higher than the second transaction reconciliation success rate corresponding to the second transaction channel, the terminal device adjusts the reconciliation priority of the first transaction channel and the second transaction channel, so that the reconciliation priority of the first transaction channel is changed from being higher than the reconciliation priority of the second transaction channel to being lower than the reconciliation priority of the second transaction channel. In this way, the terminal device can subsequently give priority to reconciliation operations on the new real-time transaction data generated by the second transaction channel with a lower reconciliation success rate, so as to timely discover and correct the imbalance of accounts that is more likely to occur in the second transaction channel, and ensure the accuracy of transactions.

[0141] In the case that the real-time transaction data acquired by the terminal device includes the actual amount received, the terminal device can compare the real-time transaction data with the batch data for reconciliation by comparing the actual amount received with the payment amount of the transaction user included in the batch data. Alternatively, the terminal device can also compare the actual amount received with the bank account deduction amount of the agent bank included in the batch data. Alternatively, the terminal device can also compare the actual amount received with both the payment amount and the bank account deduction amount.

[0142] Please refer to Figure 5 , Figure 5 for Figure 1 Detailed flowchart of step S104 in FIG.

[0143] like Figure 5 As shown, in some embodiments, in the above-mentioned step S104, the step of comparing the real-time transaction data and the batch data to obtain the reconciliation result of the real-time transaction data may include at least one of the steps S501 to S503 shown below.

[0144] Step S501, when the batch data includes the payment amount of the transaction user, the actual amount received by the transaction is compared with the payment amount, and when the actual amount received by the transaction is found to be consistent with the payment amount, the reconciliation result of the real-time transaction data is determined to be a successful transaction.

[0145] When the real-time transaction data obtained by the terminal device includes the actual amount received, if the terminal device extracts and reads the real-time transaction data from the reconciliation data storage device, and batch processes the real-time transaction data to generate batch data, and the batch data only includes the payment amount of the transaction user, then when the terminal device starts to compare the real-time transaction data with the batch data to perform the reconciliation operation, the terminal device compares the actual amount received in the real-time transaction data with the payment amount in the batch data, and when the comparison finds that the actual amount received is consistent with the payment amount, the terminal device can determine that the reconciliation result obtained by the current reconciliation operation on the real-time transaction data is a successful transaction.

[0146] Step S502, when the batch data includes the amount of deductions from the bank account of the transaction agent bank, the actual amount of the transaction is compared with the amount of deductions from the bank account, and when the actual amount of the transaction is found to be consistent with the amount of deductions from the bank account, the reconciliation result of the real-time transaction data is determined to be a successful transaction.

[0147] When the real-time transaction data acquired by the terminal device includes the actual amount received, if the terminal device extracts and reads the real-time transaction data from the reconciliation data storage device and batch processes the real-time transaction data to generate batch data, and the batch data only includes the amount deducted from the bank account of the transaction user's agent bank, then when the terminal device starts to compare the real-time transaction data with the batch data to perform the reconciliation operation, the terminal device compares the actual amount received in the real-time transaction data with the amount deducted from the bank account in the batch data, and when the comparison finds that the actual amount received is consistent with the amount deducted from the bank account, the terminal device can determine that the reconciliation result obtained by the current reconciliation operation on the real-time transaction data is a successful transaction.

[0148] Step S503, when the batch data includes the payment amount of the transaction user and the bank account deduction amount of the transaction agent bank, the actual transaction amount is compared with the payment amount and the bank account deduction amount at the same time, and when it is found that the actual transaction amount is consistent with the payment amount and the actual transaction amount is consistent with the bank account deduction amount, the reconciliation result of the real-time transaction data is determined to be a successful transaction.

[0149] When the real-time transaction data acquired by the terminal device includes the actual amount received, if the terminal device extracts and reads the real-time transaction data from the reconciliation data storage device and batch processes the real-time transaction data to generate batch data, the batch data includes both the payment amount of the transaction user and the bank account deduction amount of the transaction user's agent bank, then when the terminal device starts to compare the real-time transaction data with the batch data to perform the reconciliation operation, the terminal device will compare the actual amount received in the real-time transaction data with the payment amount and the bank account deduction amount in the batch data respectively, and when the comparison finds that the actual amount received is consistent with the payment amount, and the actual amount received is consistent with the bank account deduction amount, the terminal device can determine that the reconciliation result obtained by the current reconciliation operation on the real-time transaction data is a successful transaction.

[0150] Please refer to Figure 6 , Figure 6 for Figure 1 Another detailed flowchart of step S103 is shown in FIG.

[0151] like Figure 6 As shown, in some embodiments, in the above-mentioned step S103, the step of batch processing the real-time transaction data in the reconciliation data storage to generate batch data may include at least one of the following steps S601 and S602.

[0152] Step S601, when the reconciliation data storage device includes a user transaction order, determining the first transaction information under multiple transaction indicators of the real-time transaction data in the user transaction order, and splicing the first transaction information to generate batch data; wherein the first transaction information at least includes the payment amount.

[0153] If the reconciliation data storage device contains a user transaction order provided by the transaction user, or the terminal device can obtain the user transaction order from the transaction user, when the terminal device batch processes the real-time transaction data, it can determine the first transaction information under multiple transaction indicators from the user transaction order based on multiple transaction indicators of the real-time transaction data, and generate batch processing data corresponding to the real-time transaction data by splicing multiple first transaction information. Therefore, when the first transaction information includes the payment amount of the transaction user, the processing data generated by the terminal device naturally includes the payment amount of the transaction user.

[0154] Step S602, when the reconciliation data storage device includes a bank transaction flow, second transaction information under multiple transaction indicators of the real-time transaction data is determined in the bank transaction flow, and the second transaction information is spliced ​​to generate batch data; wherein the second transaction information at least includes the amount of deduction from the bank account.

[0155] When the terminal device extracts and reads the real-time transaction data from the reconciliation data storage device and performs batch processing on the real-time transaction data to generate batch processing data, if the reconciliation data storage device contains the bank transaction flow provided by the agent bank of the transaction user, or the terminal device can obtain the bank transaction flow from the agent bank, when the terminal device performs batch processing on the real-time transaction data, it can determine the second transaction information under the multiple transaction indicators from the bank flow based on the multiple transaction indicators of the real-time transaction data, and generate batch processing data by splicing the multiple second transaction information. In this way, when the second transaction information includes the amount of deduction from the bank account of the agent bank, the processing data generated by the terminal device naturally includes the amount of deduction from the bank account of the agent bank.

[0156] In some embodiments, when the terminal device extracts and reads the real-time transaction data from the reconciliation data storage device and batch processes the real-time transaction data to generate batch data, if the reconciliation data storage device contains both the user transaction order provided by the transaction user and the bank transaction flow provided by the transaction user's agent bank, or the terminal device can obtain both the user transaction order from the transaction user and the bank transaction flow from the agent bank, then when the terminal device batch processes the real-time transaction data, it can generate batch data including both the payment amount of the transaction user and the bank account deduction amount of the agent bank based on multiple transaction indicators of the real-time transaction data.

[0157] In this embodiment, when the terminal device is able to obtain the user transaction order, the first transaction information is extracted from the user order according to multiple transaction indicators of the real-time transaction data to generate batch data including at least the payment amount of the transaction user, and then when the real-time transaction data is reconciled, the actual amount received by the business party in the real-time transaction data is compared with the payment amount of the transaction user in the batch data, so that when the actual amount received is consistent with the payment amount, it is determined that the reconciliation result of the transaction is successful. And, when the terminal device is able to obtain the bank flow, the second transaction information is extracted according to multiple transaction indicators of the real-time transaction data to generate batch data including at least the amount of bank account deduction, and then when the real-time transaction data is reconciled, the actual amount received by the business party in the real-time transaction data is compared with the bank account deduction in the batch data, and when the actual amount received is consistent with the bank account deduction amount, it is determined that the reconciliation result of the transaction is successful.

[0158] In this way, when the terminal device generates batch data, it can perform data processing based on obtaining any one of the user transaction order and the bank statement to generate batch data, and when reconciling by comparing the real-time transaction data with the batch data, it only needs to compare the actual amount received with any one of the payment amount and the bank account deduction amount. In this way, compared with the related technology that batch data must be generated while the user transaction order and the bank statement are fully obtained, and the actual amount received needs to be compared with the payment amount and the bank account deduction amount at the same time, this embodiment can not only reconcile the real-time transaction data more efficiently, but also ensure the accuracy of the reconciliation results, thereby ensuring the accuracy of the transaction.

[0159] The embodiment of the present application also provides a transaction data reconciliation device, which can implement the above-mentioned transaction data reconciliation method.

[0160] See also Figure 7 , Figure 7 A schematic diagram of the structure of the transaction data reconciliation device provided in the embodiment of the present application. Figure 7 As shown, the transaction data reconciliation device provided in the embodiment of the present application includes: a transaction data acquisition module 701, a transaction data storage module 702, a batch data generation module 703 and a reconciliation module 704.

[0161] in:

[0162] The transaction data acquisition module 701 is used to acquire the real-time transaction data generated by the transaction platform during the transaction process;

[0163] A transaction data storage module 702, used to store the real-time transaction data into a reconciliation data storage device corresponding to the transaction platform;

[0164] The batch data generating module 703 is used to perform batch processing on the real-time transaction data in the reconciliation data storage to generate batch data when detecting that data is stored in the reconciliation data storage;

[0165] The reconciliation module 704 is used to compare the real-time transaction data with the batch data when the batch data is detected to be generated, so as to obtain the reconciliation result of the real-time transaction data.

[0166] In some embodiments, the trading platform includes multiple trading channels, and the multiple trading channels each correspond to a different reconciliation data storage device;

[0167] The transaction data acquisition module 701 is further used to acquire the real-time transaction data generated by any target transaction channel among the multiple transaction channels during the transaction process when it is monitored that transaction data is generated by the target transaction channel;

[0168] The transaction data storage module 702 is further used to determine the target reconciliation data storage corresponding to the target transaction channel in the reconciliation data storage corresponding to the transaction platform, and store the real-time transaction data in the target reconciliation data storage.

[0169] In some embodiments, the transaction data reconciliation device further includes:

[0170] A transaction channel configuration module is used to obtain a transaction channel configuration instruction for the transaction platform; add a new transaction channel to the transaction platform in response to the transaction channel configuration instruction, or, in response to the transaction channel configuration instruction, delete the multiple transaction channels that have been added to the transaction platform, or, in response to the transaction channel configuration instruction, adjust the reconciliation priority of the multiple transaction channels that have been added to the transaction platform.

[0171] In some embodiments, the plurality of transaction channels include at least one first transaction channel and at least one second transaction channel, and the reconciliation priority of the first transaction channel is higher than the reconciliation priority of the second transaction channel;

[0172] The batch data generation module 703 is also used to immediately execute the step of batch processing the real-time transaction data in the reconciliation data storage to generate batch data when it is detected that data is stored in the first target reconciliation data storage corresponding to the first transaction channel; or, when it is detected that data is stored in the second target reconciliation data storage corresponding to the second transaction channel, count the number of real-time transaction data stored in the second target reconciliation data storage, and when it is counted that the number of real-time transaction data reaches a preset number threshold, execute the step of batch processing the real-time transaction data in the reconciliation data storage to generate batch data.

[0173] In some embodiments, the transaction channel configuration module is also used to count the reconciliation results of the real-time transaction data in the first target reconciliation data storage to obtain a first transaction reconciliation success rate corresponding to the first transaction channel; to count the reconciliation results of the real-time transaction data in the second target reconciliation data storage to obtain a second transaction reconciliation success rate corresponding to the second transaction channel; and, when the first transaction reconciliation success rate is higher than the second transaction reconciliation success rate, adjust the reconciliation priority of the first transaction channel and the second transaction channel so that the reconciliation priority of the first transaction channel is lower than the reconciliation priority of the second transaction channel.

[0174] In some embodiments, the real-time transaction data includes at least the actual amount received by the transaction;

[0175] The reconciliation module 704 includes:

[0176] a first reconciliation unit, configured to compare the actual amount received by the transaction with the payment amount when the batch data includes the payment amount of the transaction user, and determine that the reconciliation result of the real-time transaction data is a successful transaction when the actual amount received by the transaction is consistent with the payment amount;

[0177] A second reconciliation unit is used to compare the actual amount received by the transaction with the amount deducted from the bank account when the batch data includes the amount deducted from the bank account of the transaction agent bank, and determine that the reconciliation result of the real-time transaction data is a successful transaction when the actual amount received by the transaction is consistent with the amount deducted from the bank account;

[0178] A third reconciliation unit is used for comparing the actual amount received by the transaction with the payment amount and the amount deducted from the bank account when the batch data includes the payment amount of the transaction user and the amount deducted from the bank account of the transaction agent bank, and determining that the reconciliation result of the real-time transaction data is a successful transaction when it is found that the actual amount received by the transaction is consistent with the payment amount and the actual amount received by the transaction is consistent with the amount deducted from the bank account.

[0179] In some embodiments, the batch data generation module 703 includes:

[0180] a first generating unit, configured to, when the reconciliation data storage device includes a user transaction order, determine first transaction information under multiple transaction indicators of the real-time transaction data in the user transaction order, and splice the first transaction information to generate batch data; wherein the first transaction information at least includes the payment amount;

[0181] A second generating unit is used to determine, when the reconciliation data storage device includes a bank transaction flow, second transaction information under multiple transaction indicators of the real-time transaction data in the bank transaction flow, and splicing the second transaction information to generate batch data; wherein the second transaction information at least includes the amount of deduction from the bank account.

[0182] It should be noted that the specific implementation of the transaction data reconciliation device provided in the embodiment of the present application is basically the same as the specific implementation of the transaction data reconciliation method described above, and will not be repeated here.

[0183] The embodiment of the present application also provides a computer device, the computer device includes a memory and a processor, the memory stores a computer program, and the processor implements the above transaction data reconciliation method when executing the computer program. The computer device can be any intelligent terminal including a tablet computer, a car computer, etc.

[0184] See also Figure 8 , Figure 8 The hardware structure of a computer device according to another embodiment is shown, and the computer device includes:

[0185] The processor 801 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an application-specific integrated circuit (Application Specific Integrated Circuit, ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of the present application;

[0186] The memory 802 can be implemented in the form of a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 802 can store an operating system and other applications. When the technical solution provided in the embodiment of this specification is implemented by software or firmware, the relevant program code is stored in the memory 802, and the processor 801 calls and executes the transaction data reconciliation method of the embodiment of this application;

[0187] Input / output interface 803, used to implement information input and output;

[0188] The communication interface 804 is used to realize the communication interaction between the device and other devices. The communication can be realized through a wired manner (such as USB, network cable, etc.) or a wireless manner (such as mobile network, WIFI, Bluetooth, etc.);

[0189] A bus 805 that transmits information between the various components of the device (e.g., the processor 801, the memory 802, the input / output interface 803, and the communication interface 804);

[0190] The processor 801 , the memory 802 , the input / output interface 803 and the communication interface 804 are connected to each other in communication within the device via a bus 805 .

[0191] An embodiment of the present application also provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the above-mentioned transaction data reconciliation method is implemented.

[0192] The memory, as a non-transient computer-readable storage medium, can be used to store non-transient software programs and non-transient computer executable programs. In addition, the memory may include a high-speed random access memory, and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage device. In some embodiments, the memory may optionally include a memory remotely disposed relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0193] An embodiment of the present application also provides a computer program product, which stores a computer program, and when the computer program is executed by a processor, the above-mentioned transaction data reconciliation method is implemented.

[0194] The transaction data reconciliation method, transaction data reconciliation device, computer equipment, computer-readable storage medium and computer program product provided in the embodiments of the present application monitor whether real-time transaction data is acquired and whether batch data is generated, thereby generating batch data when it is monitored that real-time transaction data is acquired, and comparing the real-time transaction data with the batch data when it is monitored that batch data is generated. This enables faster and more accurate reconciliation of real-time transaction data when real-time transaction data is generated on the transaction platform, thereby improving the timeliness of reconciliation operations on transactions generated on the transaction platform. In this way, compared with reconciliation operations on transactions on the evening of the transaction or the next day, account imbalances can be discovered and corrected in a timely manner, thereby improving reconciliation efficiency and transaction accuracy.

[0195] The embodiments described in the embodiments of the present application are intended to more clearly illustrate the technical solutions of the embodiments of the present application and do not constitute a limitation on the technical solutions provided in the embodiments of the present application. Those skilled in the art will appreciate that with the evolution of technology and the emergence of new application scenarios, the technical solutions provided in the embodiments of the present application are also applicable to similar technical problems.

[0196] The terms "first", "second", "third", "fourth", etc. (if any) in the specification of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0197] It should be understood that in the present application, "at least one (item)" means one or more, and "plurality" means two or more. "And / or" is used to describe the association relationship of associated objects, indicating that three relationships may exist. For example, "A and / or B" can mean: only A exists, only B exists, and A and B exist at the same time, where A and B can be singular or plural. The character " / " generally indicates that the objects associated before and after are in an "or" relationship. "At least one of the following" or similar expressions refers to any combination of these items, including any combination of single or plural items. For example, at least one of a, b or c can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, c can be single or multiple.

[0198] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the above units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0199] The units described above as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0200] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0201] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or 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 multiple instructions to enable a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of various embodiments of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (Read-Only Memory, referred to as ROM), random access memory (Random Access Memory, referred to as RAM), disk or optical disk and other media that can store programs.

[0202] The preferred embodiments of the present invention are described above with reference to the accompanying drawings, but the scope of the rights of the present invention is not limited thereto. Any modification, equivalent substitution and improvement made by a person skilled in the art without departing from the scope and essence of the present invention should be within the scope of the rights of the present invention.

Claims

1. A transaction data reconciliation method, characterized in that: The method comprises: Obtain real-time transaction data generated by the trading platform during the transaction process; Storing the real-time transaction data in a reconciliation data storage device corresponding to the transaction platform; When it is detected that data is stored in the reconciliation data storage device, batch processing is performed on the real-time transaction data in the reconciliation data storage device to generate batch processing data; When the batch data is monitored to be generated, the real-time transaction data and the batch data are compared to obtain a reconciliation result of the real-time transaction data.

2. The method according to claim 1, characterized in that: The trading platform includes a plurality of trading channels, and the plurality of trading channels respectively correspond to different reconciliation data storage devices; The obtaining of real-time transaction data generated by the transaction platform during the transaction process includes: When it is detected that any target transaction channel among the multiple transaction channels has transaction data generated, acquiring real-time transaction data generated by the target transaction channel during the transaction process; The storing the real-time transaction data into a reconciliation data storage device corresponding to the transaction platform includes: In the reconciliation data storage corresponding to the transaction platform, a target reconciliation data storage corresponding to the target transaction channel is determined, and the real-time transaction data is stored in the target reconciliation data storage.

3. The method according to claim 2, characterized in that The method further comprises: Obtaining transaction channel configuration instructions for the transaction platform; In response to the transaction channel configuration instruction, a new transaction channel is added to the transaction platform; or, in response to the transaction channel configuration instruction, the multiple transaction channels that have been added to the transaction platform are deleted; or, in response to the transaction channel configuration instruction, the reconciliation priority of the multiple transaction channels that have been added to the transaction platform is adjusted.

4. The method according to claim 3, characterized in that The multiple transaction channels include at least one first transaction channel and at least one second transaction channel, and the reconciliation priority of the first transaction channel is higher than the reconciliation priority of the second transaction channel; When it is detected that data is stored in the reconciliation data storage device, batch processing is performed on the real-time transaction data in the reconciliation data storage device to generate batch processing data, including: When it is detected that data is stored in the first target reconciliation data storage device corresponding to the first transaction channel, immediately executing the step of batch processing the real-time transaction data in the reconciliation data storage device to generate batch processing data; When it is monitored that data is stored in the second target reconciliation data storage device corresponding to the second transaction channel, the number of the real-time transaction data stored in the second target reconciliation data storage device is counted, and when it is counted that the number of the real-time transaction data reaches a preset number threshold, the step of batch processing the real-time transaction data in the reconciliation data storage device to generate batch data is executed.

5. The method according to claim 4, characterized in that After comparing the real-time transaction data with the batch data to obtain a reconciliation result of the real-time transaction data, the method further includes: Collecting statistics on the reconciliation results of the real-time transaction data in the first target reconciliation data storage device to obtain a first transaction reconciliation success rate corresponding to the first transaction channel; Collecting statistics on the reconciliation results of the real-time transaction data in the second target reconciliation data storage device to obtain a second transaction reconciliation success rate corresponding to the second transaction channel; When the first transaction reconciliation success rate is higher than the second transaction reconciliation success rate, the reconciliation priorities of the first transaction channel and the second transaction channel are adjusted so that the reconciliation priority of the first transaction channel is lower than the reconciliation priority of the second transaction channel.

6. The method according to any one of claims 1 to 5, characterized in that The real-time transaction data at least includes the actual amount received by the transaction; The comparing the real-time transaction data with the batch data to obtain a reconciliation result of the real-time transaction data includes at least one of the following: In the case where the batch data includes the payment amount of the transaction user, the actual amount received by the transaction is compared with the payment amount, and when the actual amount received by the transaction is found to be consistent with the payment amount, the reconciliation result of the real-time transaction data is determined to be a successful transaction; In the case where the batch data includes the amount of money deducted from the bank account of the transaction agent bank, the actual amount received by the transaction is compared with the amount of money deducted from the bank account, and when the actual amount received by the transaction is found to be consistent with the amount of money deducted from the bank account, the reconciliation result of the real-time transaction data is determined to be a successful transaction; In the case where the batch data includes the payment amount of the transaction user and the amount deducted from the bank account of the transaction agent bank, the actual amount received by the transaction is compared with the payment amount and the amount deducted from the bank account at the same time, and when the actual amount received by the transaction is found to be consistent with the payment amount and the actual amount received by the transaction is consistent with the amount deducted from the bank account, the reconciliation result of the real-time transaction data is determined to be a successful transaction.

7. The method according to claim 6, characterized in that The step of batch processing the real-time transaction data in the reconciliation data storage to generate batch processed data includes at least one of the following: In a case where the reconciliation data storage device includes a user transaction order, determining first transaction information under multiple transaction indicators of the real-time transaction data in the user transaction order, and splicing the first transaction information to generate batch data; wherein the first transaction information at least includes the payment amount; In a case where the reconciliation data storage device includes a bank transaction flow, second transaction information under multiple transaction indicators of the real-time transaction data is determined in the bank transaction flow, and the second transaction information is spliced ​​to generate batch data; wherein the second transaction information at least includes the amount of deduction from the bank account.

8. A transaction data reconciliation device, characterized in that: The device comprises: The transaction data acquisition module is used to obtain the real-time transaction data generated by the transaction platform during the transaction process; A transaction data storage module, used to store the real-time transaction data into a reconciliation data storage device corresponding to the transaction platform; A batch data generation module, configured to perform batch processing on the real-time transaction data in the reconciliation data storage to generate batch data when detecting that data is stored in the reconciliation data storage; The reconciliation module is used to compare the real-time transaction data with the batch data when the batch data is detected to be generated, so as to obtain the reconciliation result of the real-time transaction data.

9. A computer device, characterized in that: The computer device includes a memory and a processor, the memory stores a computer program, and the processor implements the transaction data reconciliation method according to any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the transaction data reconciliation method according to any one of claims 1 to 7 is implemented.

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