Multi-participant intelligent reconciliation method, computer device, medium and product

Abstract

The invention discloses an intelligent account checking method for multiple participants, a computer device, a medium and a product. The method comprises the steps of obtaining first-level reconciliation information based on a first information set and a second information set extracted from first source information and second source information, extracting bills successful in bilateral reconciliation and recording the bills as first target bills, and obtaining second-level reconciliation information based on a third information set extracted from third source information and recording the bills as second target bills, based on a target period payment order, generating a sub-order, clearing the sub-order, obtaining a target file, obtaining third-level reconciliation information in combination with a fourth information set extracted from fourth source information, extracting a billing successful in bilateral reconciliation, and recording the billing successful in bilateral reconciliation as a third target billing; if the first-level account checking information is consistent with the first-level account checking information, the account checking information is output based on a first strategy, and otherwise, the account checking information is output based on a second strategy. The method can realize accurate positioning and difference isolation in each stage, and is rapid and efficient.

Description

Technical Field

[0001] The present disclosure relates to the technical field of bill checking, and in particular to a multi-party intelligent bill checking method, a computer device, a medium, and a product. Background Art

[0002] In modern electronic payment systems, the accuracy and security of transactions are of vital importance. Reconciliation is an important financial operation that aims to ensure the consistency of transaction data recorded between different systems and avoid duplicate or missing records. In traditional reconciliation methods, manual comparison is usually performed in a loop. Since a large amount of data needs to be looped and compared, the reconciliation process is very time-consuming and prone to errors, especially when the amount of data is extremely large. At the same time, a large amount of data query and operation will cause great pressure on the database, affecting the performance of the database and even causing service interruption.

[0003] In addition, as the number of transaction participants increases, the reconciliation process becomes complex and error-prone. Traditional reconciliation systems can only handle the reconciliation needs of two parties and cannot meet complex transaction scenarios involving more participants. Summary of the invention

[0004] In view of this, the embodiments of the present disclosure provide a multi-party intelligent reconciliation method, computer device, medium, and product, which can solve the problems existing in the prior art such as long reconciliation cycle, poor reconciliation accuracy, and inability to meet the reconciliation needs of multiple parties.

[0005] In a first aspect, the embodiments of the present disclosure provide a multi-party intelligent reconciliation method, which specifically includes the following solutions:

[0006] Obtaining first source information, second source information, third source information, and fourth source information;

[0007] obtaining first-level reconciliation information based on a first information set extracted from the first source information and a second information set extracted from the second source information;

[0008] Based on the first-level reconciliation information, extract the bills with successful bilateral reconciliation from the first source information and the second source information, and record them as first target bills;

[0009] Obtaining second-level reconciliation information based on the first target bill and a third information set extracted from the third source information;

[0011] Based on the second-level reconciliation information, extract the first target bill and the bill with successful bilateral reconciliation from the third source information, and record it as the second target bill;

[0012] Based on the second target bill and the target installment payment order, a sub-order is generated, and the sub-order is cleared to obtain a target file;

[0013] Obtaining third-level reconciliation information based on the target file and a fourth information set extracted from the fourth source information;

[0014] Based on the third-level reconciliation information, extract the target file and the bills with successful bilateral reconciliation from the fourth source information, and record them as third target bills;

[0015] Determine whether the third target bill is consistent with the first-level reconciliation information. If so, output the reconciliation information based on the first strategy; if not, output the reconciliation information based on the second strategy.

[0016] Optionally, the first source information includes bills from multiple payment institutions;

[0017] The method for obtaining the first source information includes:

[0018] Obtain transaction orders from multiple payment institutions through API calls or data export;

[0019] Preprocessing the running order, reading the preprocessed running order based on a preset parsing library, and obtaining information of several target fields;

[0020] Performing fusion processing on the target field information to obtain the first source information;

[0021] The preprocessing includes one or more of format conversion, deduplication processing, and data verification.

[0022] Optionally, the first-level reconciliation information includes one or more of a bill successfully reconciled between the first source information and the second source information, and a unilateral bill from the first source, a unilateral bill from the second source, and a bill with inconsistent amounts between the first source and the second source;

[0023] The second-level reconciliation information includes one or more of the following: the first target bill and the third source bill that have been reconciled successfully, the first target unilateral bill, the third source unilateral bill, and the first target bill and the third source bill with inconsistent amounts;

[0024] The third-level reconciliation information includes one or more of the following: the bills of the target file and the fourth source information that have been reconciled successfully, the bills of the target file on one side, the bills of the fourth source on one side, and the bills of the target file and the fourth source with inconsistent amounts;

[0025] The second source information includes payment platform bills, the third source information includes business department bills, and the fourth source information includes partner bills.

[0026] Optionally, the method for obtaining the first target bill includes:

[0027] Respectively obtain transaction records corresponding to all payment collection / refund transaction types in the first source information and the second source information, and record them as a first payment collection / refund bill set and a second payment collection / refund bill set;

[0028] Respectively obtain the number of bill records in the first collection / refund bill set and the second collection / refund bill set. If the two are consistent, obtain the number of different transaction amounts in the first collection / refund bill set and the second collection / refund bill set.

[0029] If the number of orders corresponding to different transaction amounts in the first payment / refund bill set is inconsistent with the number of orders corresponding to different transaction amounts in the second payment / refund bill set, the set with the smaller number is recorded as the first target set;

[0030] If the first target set is a first collection / refund bill set, obtain the number of different transaction amounts in the first collection / refund bill set and the amount sorting from large to small, and extract bill records with the same amount from the second collection / refund bill set based on the amount sorting, and record them as the second target set;

[0031] Obtain the number of orders with the same transaction amount in the second target set. If the number of orders with the same transaction amount in the first collection / refund bill set is the same, extract the first transaction number set and the second transaction number set in the first collection / refund bill set and the second collection / refund bill set respectively;

[0032] Based on the first transaction order number set, each order in the second transaction order number set is traversed, and the order records in the first transaction order number set that are successfully matched with the orders in the second transaction order number set are recorded as the first target bill.

[0033] Optionally, if the number of bill records in the first collection / refund bill set is consistent with the number of bill records in the second collection / refund bill set, extract the first transaction number set and the second transaction number set from the first collection / refund bill set and the second collection / refund bill set respectively;

[0034] Based on the first transaction order number set, each order in the second transaction order number set is traversed, and the order records in the first transaction order number set that are successfully matched with the orders in the second transaction order number set are recorded as the first target bill.

[0035] Optionally, the method for obtaining the second target bill includes:

[0036] Extracting the geographic location field of each recorded bill in the first target bill and the third source information respectively to obtain a first field set and a second field set; the geographic location field includes a transaction location information field and a corresponding transaction time;

[0037] Performing a match judgment between the first field set and the second field set based on a preset index, and if the two completely match, extracting the transaction party information from the first target bill and the third source information respectively, to obtain the first transaction information and the second transaction information;

[0038] Perform an accurate match between the first transaction information and the second transaction information, and obtain all transaction amounts of the recorded bills in the first transaction information that successfully matches the second transaction information, and record them as a first amount information set;

[0039] Sort the amounts in the first amount information set from largest to smallest, and based on the sorting result, traverse the recorded bills in the second transaction information that successfully matches the first transaction information, and use the recorded bills that successfully match the first amount information set as the second target bills;

[0040] If the first field set does not completely match the second field set, obtain the record bills that successfully match in the first field set and record them as the target transaction bill set, obtain the transaction party information in the target transaction bill set and record them as the third transaction information; based on the third transaction information, traverse the second transaction information, obtain the record bills in the third transaction information that successfully match the information in the second transaction information, and record them as the second amount information set;

[0041] Sort the amounts in the second amount information set from largest to smallest, and based on the sorting result, traverse the recorded bills in the third transaction information that successfully matches the second transaction information, and take the recorded bills that successfully match the second amount information set as the second target bill;

[0042] The preset indicators include one or more of geographical coordinates, cities, and regions.

[0043] Optionally, the method for obtaining the target file includes:

[0044] Obtain the transaction order numbers of all orders in the second target bill;

[0045] Determine the target periodic payment order in a preset database based on the transaction order number;

[0046] The payment rules in the target periodic payment order are obtained, and the second target bill is settled based on the payment rules to generate a plurality of sub-bills, which constitute the target file.

[0047] Optionally, the method for obtaining the third target bill includes:

[0048] Splitting the target file based on a preset period to obtain bill information of several batches;

[0049] Acquire the fourth source information of the corresponding batch based on the bill information;

[0050] Acquire transaction period information of all recorded bills in the target file, sort all the transaction period information in chronological order, and obtain a first sequence;

[0051] Based on the first sequence, the fourth source information is traversed in order, and the recorded bill corresponding to the first sequence that successfully matches the fourth source information is obtained, and recorded as the first period bill; the recorded bill corresponding to the successfully matched fourth source information is recorded as the second period bill;

[0052] Obtaining the additional fee of each bill in the first bill and the second bill;

[0053] Obtain the recorded bill in the first period bill that successfully matches the additional fee in the second period bill, and record it as the first target bill; record the corresponding recorded bill in the second period bill that successfully matches as the second target bill;

[0054] The transaction information of the first target bill is obtained, and the second target bill is traversed based on the transaction information to obtain the record bill in the first target bill that successfully matches the second target bill, which is recorded as the third target bill.

[0055] Optionally, if the first target bill is inconsistent with the first-level reconciliation information, obtain the middle-end abnormal information in the first-level reconciliation information, retrieve the corresponding initial bill information in the first source information based on the middle-end abnormal information, and correct the abnormal bill in the second source information based on the initial bill information;

[0056] If the target file is inconsistent with the second target bill, abnormal business information in the third source information is obtained, and based on the abnormal business information, the payment center is triggered to send an abnormal order compensation message to the corresponding business department; in response to the abnormal order compensation message, the corresponding business department is triggered to automatically correct the status of the abnormal bill;

[0057] If the third target bill is inconsistent with the target file, abnormal cooperation information in the fourth source information is obtained, and based on the abnormal cooperation information, the corresponding partner is triggered to perform internal bill self-inspection and correction.

[0058] In the second aspect, the present application discloses a multi-party intelligent reconciliation method, which specifically includes the following schemes:

[0059] Reconcile the obtained first source information with the obtained internal company bills to obtain first-level reconciliation information, and extract the bills with successful bilateral reconciliation based on the first-level reconciliation information, which are recorded as first bills;

[0060] Associating the first bill with the target periodic payment order to generate a sub-bill, clearing the sub-bill to obtain a target file, and reconciling the target file with the acquired fourth source information to obtain target information;

[0061] Based on the target reconciliation information, extract the bills with successful bilateral reconciliation and record them as the second bills;

[0062] Determine whether the second bill is consistent with the first-level reconciliation information. If so, output the reconciliation information based on the first strategy; if not, output the reconciliation information based on the second strategy.

[0063] In a third aspect, the embodiment of the present disclosure further provides a multi-party intelligent reconciliation system, which specifically includes the following solutions:

[0064] An acquisition module, used to acquire first source information, second source information, third source information, and fourth source information;

[0065] A first reconciliation module, configured to obtain first-level reconciliation information based on a first information set extracted from the first source information and a second information set extracted from the second source information;

[0066] A first extraction module is used to extract the bills with successful bilateral reconciliation from the first source information and the second source information based on the first-level reconciliation information, and record them as first target bills;

[0067] A second reconciliation module, configured to obtain second-level reconciliation information based on the first target bill and a third information set extracted from the third source information;

[0068] A second extraction module is used to extract the first target bill and the bill with successful bilateral reconciliation from the third source information based on the second-level reconciliation information, and record it as a second target bill;

[0069] A clearing module, configured to generate a sub-order based on the second target bill and the target periodic payment order, and clear the sub-order to obtain a target file;

[0070] a third extraction module, configured to obtain third-level reconciliation information based on the target file and a fourth information set extracted from the fourth source information;

[0071] A third reconciliation module, configured to extract the target file and the bills with successful bilateral reconciliation from the fourth source information based on the third-level reconciliation information, and record them as third target bills;

[0072] The analysis module is used to determine whether the third target bill is consistent with the first-level reconciliation information. If so, the reconciliation information is output based on the first strategy; if not, the reconciliation information is output based on the second strategy.

[0073] In a fourth aspect, the embodiments of the present disclosure further provide a computer device, which adopts the following technical solution:

[0074] The computer device comprises:

[0075] at least one processor; and,

[0076] a memory communicatively connected to the at least one processor; wherein,

[0077] The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute any of the above-mentioned multi-party intelligent reconciliation methods.

[0078] In a fifth aspect, an embodiment of the present disclosure further provides a computer-readable storage medium, which stores computer instructions, and the computer instructions are used to enable a computer to execute any of the above-mentioned multi-party intelligent reconciliation methods.

[0079] In a sixth aspect, an embodiment of the present disclosure further provides a computer program product, comprising a computer program / instruction, which implements the steps of any of the above methods when executed by a processor.

[0080] The multi-party intelligent reconciliation method disclosed in the application can timely discover abnormal information of the payment platform by reconciling the obtained multi-party payment institution bills with the obtained payment platform bills, and make corrections in time to facilitate subsequent operations. The extracted bilaterally reconciled successful bills (i.e., the first target bills) are reconciled with the obtained business department bills, which can accurately locate the business department with abnormalities and facilitate timely correction of information within the company; the bills reconciled successfully with the business department bills (i.e., the second target bills) are associated with the target period payment orders to generate sub-bills, and the sub-bills are cleared to obtain the target file, ensuring that every order in the target file The financial information is clear and transparent, which prevents the duplication of wrong accounts, supports complex financial analysis, and ensures the accuracy of financial processing; reconciles the target file with the acquired partner bill to obtain the third-level reconciliation information, and then extracts the bill with successful bilateral reconciliation (i.e., the third target bill) to determine whether it is consistent with the first-level reconciliation information. If so, output the reconciliation information based on the first strategy; if not, output the reconciliation information based on the second strategy to realize the automated reconciliation process, significantly reduce manual intervention, shorten the reconciliation time, and improve work efficiency. At the same time, standardized data processing and automatic comparison reduce the possibility of manual errors and ensure the accuracy of accounts.

[0081] The multi-party intelligent reconciliation method disclosed in this application is a funnel-based multi-level reconciliation process. The reconciliation results are screened level by level, and the problems identified in the previous level of reconciliation will not flow to the next level of reconciliation, reducing the amount and complexity of data to be processed in subsequent stages, reducing the system burden and operating costs; at the same time, each reconciliation stage runs independently, and the differences are isolated and identified at each stage, which can accurately locate the differences and reduce the complexity of difference processing. Potential financial risks and business process problems can be discovered in a timely manner, thereby improving the company's risk management capabilities; through detailed reconciliation reports and analysis, it helps management make more scientific and reasonable decisions and improves the company's overall operational efficiency.

[0082] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the following preferred embodiments are specifically cited and described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0083] In order to more clearly illustrate the technical solutions of the embodiments of the present disclosure, the drawings required for use in the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present disclosure. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0084] Figure 1A flowchart of a multi-party intelligent reconciliation method provided in an embodiment of the present disclosure.

[0085] Figure 2 A flowchart of a method for obtaining bills from multiple payment institutions provided in an embodiment of the present disclosure.

[0086] Figure 3 A flowchart of a method for obtaining a first target bill provided in an embodiment of the present disclosure.

[0087] Figure 4 A flowchart of a method for obtaining a second target bill provided in an embodiment of the present disclosure.

[0088] Figure 5 A flowchart of another embodiment of the method for obtaining the second target bill provided in the embodiment of the present disclosure.

[0089] Figure 6 A flowchart of a method for acquiring a target file provided in an embodiment of the present disclosure.

[0090] Figure 7 A flowchart of a method for obtaining a third target bill provided in an embodiment of the present disclosure.

[0091] Figure 8 A flowchart of another embodiment of the multi-party intelligent reconciliation method provided in this application.

[0092] Fig. 9 A schematic diagram of the structure of a computer device provided in an embodiment of the present disclosure. DETAILED DESCRIPTION

[0093] The embodiments of the present disclosure are described in detail below with reference to the accompanying drawings.

[0094] It should be clear that the following embodiments of the present disclosure are described by specific specific examples, and those skilled in the art can easily understand other advantages and effects of the present disclosure from the contents disclosed in this specification. Obviously, the described embodiments are only a part of the embodiments of the present disclosure, rather than all of the embodiments. The present disclosure can also be implemented or applied through other different specific embodiments, and the details in this specification can also be modified or changed in various ways based on different viewpoints and applications without departing from the spirit of the present disclosure. It should be noted that the following embodiments and features in the embodiments can be combined with each other in the absence of conflict. Based on the embodiments in the present disclosure, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present disclosure.

[0095] It should be noted that various aspects of the embodiments within the scope of the appended claims are described below. It should be apparent that the aspects described herein may be embodied in a wide variety of forms, and any specific structure and / or function described herein is merely illustrative. Based on the present disclosure, it should be understood by those skilled in the art that an aspect described herein may be implemented independently of any other aspect, and two or more of these aspects may be combined in various ways. For example, any number of aspects described herein may be used to implement the device and / or practice the method. In addition, other structures and / or functionalities other than one or more of the aspects described herein may be used to implement this device and / or practice this method.

[0096] It should also be noted that the illustrations provided in the following embodiments are only schematic illustrations of the basic concept of the present disclosure. The drawings only show components related to the present disclosure rather than being drawn according to the number, shape and size of components in actual implementation. In actual implementation, the type, quantity and proportion of each component may be changed arbitrarily, and the component layout may also be more complicated.

[0097] Additionally, in the following description, specific details are provided to facilitate a thorough understanding of the examples. However, it will be understood by those skilled in the art that the aspects described may be practiced without these specific details.

[0098] Embodiment 1

[0099] Reference Figure 1 The present application discloses a multi-party intelligent reconciliation method, which specifically includes:

[0100] S100, obtaining first source information, second source information, third source information, and fourth source information.

[0101] The first source information includes bills from multiple payment institutions, the second source information includes bills from payment middle offices, the third source information includes bills from business departments, and the fourth source information includes bills from partners.

[0102] Among them, the multi-party payment institution bills include initial transaction orders in multiple payment institutions; the multi-party payment institution bills may include one or more of Alipay bills, WeChat bills, and bank card bills.

[0103] The payment platform includes stored status information of transaction bills that have occurred.

[0104] The business unit bill includes the business data of each associated sub-business unit, which focuses on the financial management and data integration of internal business lines to support business decision-making and operational analysis.

[0105] The partner bill includes the transaction information of one or more associated target insurance partner companies, and focuses more on the financial transactions between the two parties to the transaction, such as the financial transactions between the agency and the cooperating insurance companies. The reconciliation of the partner bill can ensure the authenticity, accuracy and completeness of the transactions between the agency and the various partners, and help to promptly discover and resolve problems such as account discrepancies, omissions, and misreporting, so as to avoid affecting the performance of users connected to the agency.

[0106] S200, obtaining first-level reconciliation information based on a first information set extracted from the first source information and a second information set extracted from the second source information.

[0107] The first-level reconciliation information includes bills that have been successfully reconciled between the bills of multiple payment institutions and the bills of the payment middle office, as well as one or more of the following: unilateral bills from multiple payment institutions, unilateral bills from the payment middle office, and bills with inconsistent amounts between multiple payments and the payment middle office.

[0108] S300, based on the first-level reconciliation information, extract the bills with successful bilateral reconciliation from the first source information and the second source information, and record them as first target bills.

[0109] In this step, the reconciliation method specifically includes: reconciling the bills of multiple payment institutions with the obtained payment middle platform bills based on the first key reconciliation indicator and the first reconciliation strategy.

[0110] Among them, the first key reconciliation indicator includes transaction type, transaction amount and transaction order number.

[0111] In this step, the bills of multiple payment institutions are reconciled with the bills of the payment platform first, and the correctness of the storage information of the payment platform as a unified bill recording platform or unified payment channel is verified, so that the bills of other parties can be checked later. Through this step, problems in the reconciliation between the payment platform and the bills of three parties can be discovered in time, and they can be centrally processed at the first time, which improves the real-time and efficiency of reconciliation and avoids the accumulation and spread of problems.

[0112] For example, the insured customer has paid the correct amount through WeChat, Alipay or the bank, but the payment status of the bill in the payment platform does not show that the payment is successful, or it shows that it is in payment. Since the payment status of the payment platform does not show that the payment is successful, it will cause delays in subsequent operations and make it impossible to proceed with subsequent business.

[0113] S400, obtaining second-level reconciliation information based on the first target bill and a third information set extracted from third source information.

[0114] In a specific embodiment, the second-level reconciliation information includes bills that have been successfully reconciled between the first target bill and the business department bill, as well as one or more of the first target unilateral bills, the business department unilateral bills, and bills with inconsistent amounts between the first target and the business department.

[0115] S500, based on the second-level reconciliation information, extract the first target bill and the bill with successful bilateral reconciliation from the third source information, and record it as the second target bill.

[0116] Furthermore, reconciling the first target bill with the acquired business department bill includes: reconciling the first target bill with the acquired business department bill based on a second key reconciliation indicator and a second reconciliation strategy.

[0117] Among them, the second key reconciliation indicator includes the transaction party information, geographic location field and transaction amount.

[0118] This step can ensure the consistency between the business department's records and payment records, and timely identify potential business process problems; reduce manual intervention through automated processes and improve the accuracy of reconciliation.

[0119] S600, based on the second target bill and the target installment payment order, a sub-order is generated, and the sub-order is cleared to obtain a target file.

[0120] Among them, the target period payment order includes payment rules corresponding to the payment amounts and periods of different types of insurance policies.

[0121] S700, obtaining third-level reconciliation information based on the target file and a fourth information set extracted from fourth source information.

[0122] The third-level reconciliation information includes bills that have been successfully reconciled between the target file and the partner's bill, as well as one or more of the target file's unilateral bills, the partner's unilateral bills, and bills with inconsistent amounts between the target file and the partner.

[0123] S800, based on the third-level reconciliation information, extract the target file and the bills that have been successfully reconciled bilaterally from the fourth source information, and record them as the third target bills.

[0124] Through this step, the accurate association between the sub-order and the installment payment order is ensured, the transparency of financial management is improved, errors caused by manual operations are reduced, and the consistency of financial data is ensured.

[0125] Furthermore, the clearing strategy can be intelligently and dynamically adjusted according to the reconciliation needs of different insurance companies, which fully reflects the intelligence and flexibility of the system and improves the system's adaptability to complex business environments.

[0126] Specifically, the target file is reconciled with the obtained partner's bill, including: reconciling the target file with the obtained partner's bill based on the third key reconciliation indicator and the third reconciliation strategy; combining the liquidation results into the target file in combination with the partner's business characteristics, achieving effective data integration and optimization, and providing a solid data foundation for subsequent accurate reconciliation with the partner's bill.

[0127] Among them, the third key reconciliation indicator includes transaction period, additional fees and information of both parties to the transaction.

[0128] At the same time, the refined target files can be more accurately compared one by one with the bills provided by partners, so as to promptly discover problems such as amount differences and missing transaction records, and ensure the accuracy and reliability of the reconciliation results.

[0129] This step ensures that the final generated bill is accurate, facilitates subsequent audits and inquiries, makes the reconciliation process clear and traceable, and improves the company's control over financial data.

[0130] S900, determining whether the third target bill is consistent with the first-level reconciliation information, if so, outputting the reconciliation information based on the first strategy, if not, outputting the reconciliation information based on the second strategy.

[0131] Specifically, if they are consistent, a standardized reconciliation report is generated to show the successful reconciliation record; if they are inconsistent, an exception report is generated to point out the mismatched items.

[0132] Furthermore, reports can be generated, such as third-party reconciliation reports, business reconciliation reports and partner reconciliation reports. These reports intuitively display the differences in the multi-party reconciliation process; for differences caused by data loss, the source of the anomaly can be determined in a timely manner and the anomaly can be resolved in a timely manner.

[0133] In this embodiment, the multi-party intelligent reconciliation method disclosed in the present application can be applied to the verification of insurance information of multiple parties. The transaction type refers to the insurance type or the surrender type, the transaction amount refers to the premium amount, the transaction order number refers to the policy number, the transaction period refers to the policy period, and the additional fees include one or more of commissions and technical service fees.

[0134] The multi-party intelligent reconciliation method disclosed in the application can timely discover abnormal information of the payment platform by reconciling the acquired multi-party payment institution bills with the acquired payment platform bills, and make corrections in time to facilitate subsequent operations. The extracted bilaterally reconciled successful bills (i.e., the first target bills) are reconciled with the acquired business department bills, so that the business department with abnormalities can be accurately located to facilitate timely correction of information within the company; the bills reconciled successfully with the business department bills (i.e., the second target bills) are associated with the target period payment orders to generate sub-bills, and the sub-bills are cleared to obtain the target file, thereby ensuring that the fund information of each order in the target file is clear and transparent, and preventing The stop-error account superposition supports complex financial analysis and ensures the accuracy of financial processing; the target file is reconciled with the acquired partner's bill to obtain the third-level reconciliation information, which can accurately locate the abnormal points between the partner and the partner for timely resolution; then the bills with successful bilateral reconciliation (i.e. the third target bill) are extracted to determine whether they are consistent with the first-level reconciliation information. If so, the reconciliation information is output based on the first strategy, if not, the reconciliation information is output based on the second strategy, realizing an automated reconciliation process, significantly reducing manual intervention, shortening reconciliation time, and improving work efficiency. At the same time, standardized data processing and automatic comparison reduce the possibility of manual errors and ensure the accuracy of accounts.

[0135] The multi-party intelligent reconciliation method disclosed in this application is a funnel-based multi-level reconciliation process. The reconciliation results are screened level by level, and the problems identified in the previous level of reconciliation will not flow to the next level of reconciliation, reducing the amount and complexity of data to be processed in subsequent stages, reducing the system burden and operating costs; at the same time, each reconciliation stage runs independently, and the differences are isolated and identified at each stage, which can accurately locate the differences and reduce the complexity of difference processing. Potential financial risks and business process problems can be discovered in a timely manner, thereby improving the company's risk management capabilities; through detailed reconciliation reports and analysis, it helps management make more scientific and reasonable decisions and improves the company's overall operational efficiency.

[0136] Reference Figure 2 , methods for obtaining bills from multiple payment institutions, including:

[0137] A100, obtains transaction orders from multiple payment institutions through API calls or data export.

[0138] Specifically, the transaction order data can be obtained by using the API interface provided by the payment institution by sending a request and passing corresponding parameters (such as time range, transaction type, etc.). This method usually returns structured data for easy subsequent processing. Alternatively, you can log in to the backend management system of the payment institution and manually export the transaction order data. The exported data is usually in CSV or Excel format, and is used for subsequent processing after certain format conversion.

[0139] Through this step, you can choose different acquisition methods as needed. API calls are suitable for automated, high-frequency data acquisition, while data exports are suitable for one-time or low-frequency data acquisition. At the same time, the original data is obtained directly from the payment institution to ensure the authenticity and accuracy of the data.

[0140] A200 pre-processes the running order, reads the pre-processed running order based on the preset parsing library, and obtains information of several target fields.

[0141] In this step, the raw data is converted into a unified format and specification through preprocessing to facilitate subsequent data processing and analysis.

[0142] A300 integrates information of several target fields to obtain bills from multiple payment institutions.

[0143] Through integrated processing, bill data from multiple payment institutions can be obtained, providing strong support for comprehensive financial analysis and decision-making. The automated data integration and bill generation process can greatly improve work efficiency and reduce the time and cost of manual processing.

[0144] Among them, preprocessing includes one or more of format conversion, deduplication processing, and data verification. The deduplication and data verification steps can ensure the accuracy and consistency of the data and reduce the interference of erroneous data.

[0145] The method for obtaining bills of multiple payment institutions disclosed in this embodiment realizes the automatic acquisition of transaction order data by combining API calls and data export; the automated process of pre-processing and fusion processing also greatly improves data processing efficiency; the solution can process data from multiple payment institutions and provide users with comprehensive bill information; at the same time, users can choose different data acquisition methods according to their needs, which is highly flexible; the integrated bills of multiple payment institutions can provide users with comprehensive data information.

[0146] Reference Figure 3 , the method for obtaining the first target bill specifically includes the following steps:

[0147] B110, obtain the transaction records corresponding to all collection / refund transaction types in the bills of the multi-party payment institutions, and record them as the first collection / refund bill set.

[0148] B120, obtain the transaction records corresponding to all collection / refund transaction types in the payment platform bill, and record them as the second collection / refund bill set.

[0149] Furthermore, it also includes: standardizing the bill data of the first collection / refund bill set and the second collection / refund bill set, because different payment channels may use different fields and naming methods, and therefore these data need to be converted into a unified format for easy comparison and analysis.

[0150] It should be noted that the order of steps B110 and B120 can be swapped.

[0151] Through steps B110 and B120, the transaction records of the corresponding parties can be quickly screened out. Similar acquisition methods are used in the two steps to ensure the consistency of data format and content.

[0152] B130, respectively obtain the total number of bill records in the first collection / refund bill set and the second collection / refund bill set. If the two are consistent, obtain the number of different transaction amounts in the first collection / refund bill set and the second collection / refund bill set.

[0153] By comparing the total number of bill records, a preliminary comparison can be quickly performed, which can achieve rapid detection and screen out potential problems, reducing the complexity of subsequent processing.

[0154] B140, determine whether the number of orders corresponding to different transaction amounts in the first collection / refund bill set is consistent with the number of orders corresponding to different transaction amounts in the second collection / refund bill set. If not, record the set with smaller quantity as the first target set.

[0155] By making a rough comparison based on the number of orders corresponding to different transaction amounts, the system resource usage can be greatly reduced, thus achieving rapid comparison.

[0156] B150, if the first target set is the first collection / refund bill set, obtain the number of different transaction amounts in the first collection / refund bill set and sort the amounts from large to small, and extract bill records with consistent amounts in the second collection / refund bill set based on the amount sorting, which is recorded as the second target set.

[0157] By sorting and matching the amounts, the level of comparison is improved to ensure the accuracy of the bills. By extracting records with consistent amounts, the consistency of the data between the two is further verified.

[0158] B160, obtain the number of orders with the same transaction amount in the second target set. If it is the same as the number of orders with the same transaction amount in the first collection / refund bill set, extract the first transaction number set and the second transaction number set in the first collection / refund bill set and the second collection / refund bill set respectively.

[0159] If the number of orders with the same transaction amount in the second target set is the same as the number of orders with the same transaction amount in the first collection / refund bill set, it means that the transaction amounts of the two are matched successfully.

[0160] B170, based on the first transaction order number set, traverse each order in the second transaction order number set, and record the order record in the first transaction order number set that is successfully matched with the order in the second transaction order number set as the first target bill.

[0161] Different from the conventional method of directly comparing the amounts of all bills in the first collection / refund bill set with those in the second collection / refund bill set on a one-to-one basis, this embodiment discloses first obtaining a set with a small number of orders corresponding to different transaction amounts, then obtaining the number of different transaction amounts in the set and sorting the amounts from large to small, and then extracting bill records with consistent amounts in another set based on the amount sorting. This can quickly define a consistent bill range, because different orders may have the same amount, and then by comparing the number of orders with the same transaction amount, it can quickly determine whether the transaction amounts of the two sets match successfully; finally, the transaction order numbers are accurately matched to achieve rapid reconciliation between the two parties.

[0162] In this embodiment, each step has clear processing logic and objectives, ensuring the systematic and standardized processing of bill data; by combining coarse comparison and fine comparison, the efficiency and accuracy of data processing are improved, and the inconsistency of data from different payment channels can be effectively identified and processed to ensure the consistency and reliability of bill data. The automated processing in this embodiment effectively reduces manual intervention and improves processing efficiency and accuracy.

[0163] Furthermore, if the first target set is the second collection / refund bill set, the first collection / refund bill set is traversed based on the second collection / refund bill set to obtain the record bill with the same transaction amount and transaction number as the second collection / refund bill set, and record it as the first target bill.

[0164] Then, the first transaction number set and the second transaction number set in the first collection / refund bill set and the second collection / refund bill set are extracted respectively.

[0165] Finally, based on the first transaction order number set, each order in the second transaction order number set is traversed, and the order records in the first transaction order number set that are successfully matched with the orders in the second transaction order number set are recorded as the first target bill.

[0167] In this embodiment, each record in the second collection / refund bill set is traversed, and for each record in the second collection / refund bill set, the record in the first collection / refund bill set is checked, the transaction amount and the transaction order number are matched, and the successfully matched records are filtered out from the first collection / refund bill set and recorded as the first target bill. This method can ensure that the first target bill is completely consistent with the records in the second collection / refund bill set, thereby improving data accuracy, ensuring the correctness of the bill records and reducing errors by accurately matching the transaction amount and the transaction order number.

[0168] Then all transaction order numbers are extracted from the first collection / refund bill set to form the first transaction order number set; all transaction order numbers are extracted from the second collection / refund bill set to form the second transaction order number set. The extracted order number set provides a clear data basis for subsequent comparison, making the comparison process more orderly. By extracting the order number set, the complexity of data processing and comparison is simplified, and operational efficiency is improved.

[0169] Finally, traverse each transaction number in the second transaction number set, and for each transaction number, find the matching order in the first transaction number set, filter out the successfully matched records from the first transaction number set, and record them as the first target bill. By comparing the transaction number one by one, the accuracy of the first target bill is ensured, the error is reduced, and the first target bill is ensured to be consistent with the records in the second collection / refund bill set, providing a means of data verification and confirmation.

[0170] If the number of orders corresponding to different transaction amounts in the first collection / refund bill set is consistent with the number of orders corresponding to different transaction amounts in the second collection / refund bill set, extract the first transaction order number set and the second transaction order number set from the first collection / refund bill set and the second collection / refund bill set respectively; then, based on the first transaction order number set, traverse each order in the second transaction order number set, and record the order records in the first transaction order number set that are successfully matched with the orders in the second transaction order number set as the first target bill.

[0171] The scheme disclosed in this embodiment ensures the accuracy and consistency of bill records through detailed steps and matching methods, reduces the possibility of erroneous data, and the automated comparison and screening process reduces manual operations and improves processing efficiency. It ensures consistency between different bill sets through multi-level comparison, which helps to discover and correct inconsistencies in the data. The systematic steps and standardized processing methods make the data verification process more standardized, which helps to discover potential problems and correct them. Through detailed transaction number comparison, it can effectively detect and correct possible errors in the data, thereby improving the accuracy and reliability of bill data.

[0172] Reference Figure 4 , the method for obtaining the second target bill includes:

[0173] The geographic location fields in the first target bill and the business department bill are extracted respectively to obtain a first field set and a second field set; the geographic location field includes a transaction location information field and a corresponding transaction time.

[0175] Based on the preset indicators, it is determined whether the first field set and the second field set completely match. If so, the transaction party information in the first target bill and the business department bill are respectively extracted to obtain the first transaction information and the second transaction information.

[0176] The first transaction information and the second transaction information are accurately matched, and the recorded bill in the first transaction information that successfully matches the second transaction information is used as the second target bill.

[0177] If the first field set does not completely match the second field set, obtain the record bills that successfully match in the first field set and record them as the target transaction bill set.

[0178] Obtain the information of both parties to the transaction in the target transaction bill set, and record it as the third transaction information; based on the third transaction information, traverse the second transaction information, obtain the recorded bill in the third transaction information that successfully matches the information in the second transaction information, and use it as the second target bill.

[0179] The preset indicators include one or more of geographic coordinates, cities, and regions.

[0180] In this embodiment, by extracting geographic location and time information, the bills can be preliminarily located and classified, which is convenient for subsequent comparison and verification, ensuring the integrity of geographic location and time data, and helping to improve the accuracy of subsequent matching; judgments are made through preset indicators to ensure the consistency of field data, improve the accuracy of data matching, reduce manual intervention and subjective judgment, and improve the standardization of processing; by extracting information on both parties to the transaction, ensure that all relevant transaction information is included in the analysis scope.

[0181] The solution disclosed in this embodiment ensures the accuracy and consistency of bill data through multi-step field matching and transaction information comparison, provides an alternative solution for handling incomplete field matches, enhances the flexibility and adaptability of the system, and each step is based on precise fields and information to ensure the high accuracy of the final result. The method steps are systematized, which helps to maintain consistency and standardization of processing in a complex data environment; through automated comparison and screening, manual intervention is reduced and the efficiency and accuracy of data processing are improved.

[0182] This solution not only provides a systematic bill processing method, but also effectively improves the accuracy and processing efficiency of data comparison, helping to better manage and analyze bill data.

[0183] In another embodiment, referring to Figure 5 , the method for obtaining the second target bill includes:

[0184] C100, extract the geographic location fields in the first target bill and the business department bill respectively to obtain the first field set and the second field set.

[0185] C200 performs matching judgment between the first field set and the second field set based on preset indicators. If the two are completely matched, the transaction party information in the first target bill and the business department bill are respectively extracted to obtain the first transaction information and the second transaction information, and the first transaction information and the second transaction information are accurately matched.

[0187] C300, if the first field set does not completely match the second field set, obtain the information set with the least number of different geographic types and record it as the target information set.

[0188] C400, if the target information set is the first field set, obtain the record bill that is successfully matched in the first field set and record it as the target transaction bill set, obtain the transaction party information in the target transaction bill set and record it as the third transaction information.

[0189] C500, based on the third transaction information, traverses the second transaction information, obtains the recorded bill in the third transaction information that successfully matches the information in the second transaction information, and determines the second target bill.

[0190] The method disclosed in this embodiment ensures that the acquired second target bill is associated with the first target bill in terms of both geography and transaction by accurately matching geographic location and transaction information, thereby improving the accuracy of the data; the C300 step handles the situation where the geographic location is not completely matched, ensuring that the relevant transaction information can be found even when the geographic data is not completely consistent; the C400 step ensures that in the case of incomplete matching, the target transaction bill set is based on the successfully matched records in the first field set, thereby optimizing the data screening process; the C500 step verifies and determines the second target bill based on the third transaction information, ensuring that the selected bill is also consistent in transaction information. This method ensures that the final determined second target bill is consistent with the first target bill in multiple dimensions by processing matching and screening in steps, thereby improving the accuracy and effectiveness of data processing.

[0191] Reference Figure 6 , the method for obtaining the target file includes:

[0192] D100, obtains the transaction order numbers of all orders in the second target bill.

[0193] D200, determines the target payment order in the preset database based on the transaction order number.

[0194] In this embodiment, the target periodic payment orders corresponding to all types of transactions are stored in the preset database. The transaction type can be quickly determined based on the transaction order number, and the corresponding target periodic payment order can be quickly determined in the preset database.

[0195] D300, obtain the payment rules in the target periodic payment order, settle the second target bill based on the payment rules, generate several sub-orders, and the several sub-orders constitute the target file.

[0196] The scheme disclosed in this embodiment reduces the possibility of manual operation, reduces the error rate, and improves efficiency through systematic steps and database queries; clearing based on transaction order numbers and payment rules can ensure that the reconciliation process between bills and actual transactions is more accurate; decomposing bill processing into multiple steps, each with clear goals and methods, helps to better manage and monitor the bill processing process; determining the target payment order through preset data in the database can ensure the consistency and reliability of the data used, and reduce disputes caused by inconsistent data. This method can help improve the accuracy and efficiency of bill processing and make financial management and reconciliation processes smoother.

[0197] For example, the second target bill includes two transaction amounts, one for 100 yuan and the other for 120 yuan. If no settlement is performed, they will be considered as two transactions; if the payment rules / agreement in the target periodic payment order for the transaction number corresponding to 100 yuan is transaction number: (policy number + period) = 1:10, and the payment rules / agreement in the target periodic payment order for the transaction number corresponding to 120 yuan is transaction number: (policy number + period) = 1:12, then the transaction number corresponding to 100 yuan actually includes 10 sub-orders, and the transaction number corresponding to 120 yuan actually includes 12 sub-orders.

[0198] By associating the second target bill with the target installment payment order and generating sub-bill according to the payment rules, it can ensure that each transaction can be accurately mapped to the specific installment payment order to avoid mismatches or omissions; the generation and settlement process of the sub-bill provides a detailed view of the transaction, making the flow and allocation rules of funds clearer and enhancing transaction transparency; through the settlement of sub-bill, funds can be managed and allocated more effectively, improving the efficiency of fund use and accelerating the speed of fund recovery; the generated target file provides standardized and structured records for reconciliation, simplifies the reconciliation process and improves reconciliation efficiency.

[0199] Reference Figure 7 , the method for obtaining the third target bill includes:

[0200] E100, splits the target file based on the preset period and obtains several batches of bill information.

[0201] For example, the target file can be split according to the preset monthly cycle, with the bills of each month as the same batch; managing the bill information in batches can better facilitate subsequent processing and tracking, and multiple batches can be processed in parallel to shorten the overall processing time.

[0202] E200, obtain the partner bills of the corresponding batch based on the bill information.

[0203] According to the month corresponding to the bill information, obtain the partner's bill for the corresponding month to avoid omissions or integration errors in bills of different months.

[0204] E300, obtain the transaction period information of all recorded bills in the target file, sort all the transaction period information in chronological order, and obtain the first sequence.

[0205] By sorting by time, you can clearly understand the order in which bills are processed, and process bills in chronological order to reduce the risk of confusion and disorder.

[0206] E400, based on the first sequence, traverse the partner's bills in order, obtain the corresponding record bills in the first sequence that successfully match the partner's bills, and record them as the first period bills; record the corresponding record bills in the successfully matched partner's bills as the second period bills.

[0207] Ensure that bills are processed one by one in chronological order to ensure the consistency and accuracy of bill data. By processing in installments, anomalies in bills can be effectively detected and handled.

[0208] E500, obtains the additional charges for each bill in the first and second bills.

[0209] For example, if an insurance agency helps a transaction complete the corresponding insurance business, it can obtain a certain commission and / or technical service fee from the corresponding insurance company. Therefore, when reconciling the bill with the partner, it needs to obtain additional fees.

[0210] E600, obtain the recorded bill in the first period of bill that successfully matches the additional charge in the second period of bill, and record it as the first target bill; record the corresponding recorded bill in the second period of bill that successfully matches as the second target bill.

[0211] In this embodiment, the additional fee refers to the total fee. Generally, in the agreement between the insurance agency and the insurance company, each type of insurance product corresponds to a fixed additional fee.

[0212] E700, obtain the transaction information of the first target bill, traverse the second target bill based on the transaction information, obtain the record bill in the first target bill that successfully matches the second target bill, and record it as the third target bill.

[0213] Because different orders may have the same additional charges, we can accurately determine the successfully reconciled bills by comparing the transaction periods and additional charges, and then verifying the information of both parties to the transaction.

[0214] The method disclosed in this embodiment divides the bill processing process into steps, manages it systematically, and reduces the error rate; batch processing and gradual matching improve the processing speed and efficiency; each step is checked and confirmed to improve the accuracy of the bill data; and the operations and results of each step are clearly recorded to facilitate auditing and data tracking.

[0215] In this application, if the first target bill is inconsistent with the first-level reconciliation information, the middle-office abnormal information in the first-level reconciliation information is obtained, and the corresponding initial bill information in the bills of multiple payment institutions is retrieved based on the middle-office abnormal information, and the abnormal bill in the payment middle-office bill is corrected based on the initial bill information.

[0216] Through the abnormal information and initial billing information of the middle office, the reasons for the bill inconsistency can be clarified, which facilitates the investigation and resolution of problems, and the abnormal bills in the payment middle office can be corrected in time to ensure the accuracy and completeness of the billing data. Accurate billing information can reduce disputes with partners or other departments and maintain normal business operations.

[0217] If the target file is inconsistent with the second target bill, obtain the abnormal business information in the business department's bill, and trigger the payment center to send an abnormal order compensation message to the corresponding business department based on the abnormal business information; in response to the abnormal order compensation message, trigger the corresponding business department to automatically correct the status of the abnormal bill.

[0218] Automatically send compensation messages and update bill status to improve processing efficiency, reduce manual intervention, promptly resolve abnormal order problems through compensation messages, reduce the impact on business operations, clarify the exception handling process, and improve cooperation efficiency and satisfaction with business departments.

[0219] If the third target bill is inconsistent with the target file, obtain the abnormal cooperation information in the partner's bill, and trigger the corresponding partner to conduct internal bill self-inspection and correction based on the abnormal cooperation information.

[0220] By triggering the partners' internal self-inspection, we ensure that the partners actively participate in solving billing issues. The partners' self-inspection helps to discover and correct problems in the bills, ensure the consistency and accuracy of the final bills, enhance the cooperative relationship with partners through effective communication and collaboration, and improve overall work efficiency.

[0221] Embodiment 2

[0222] Reference Figure 8The second aspect of the present application discloses a multi-party intelligent reconciliation method, which specifically includes:

[0223] S10, reconcile the obtained multi-party payment institution bills with the obtained internal company bills to obtain first-level reconciliation information, and based on the first-level reconciliation information, extract the bills with successful bilateral reconciliation and record them as the first bills.

[0224] In this embodiment, the multi-party payment institution bill is the first source information.

[0225] The step-by-step verification method of first external and then internal effectively ensures the consistency of data from the outside to the inside, reduces reconciliation errors caused by inconsistent data, and improves the reliability of reconciliation results.

[0226] S20, associating the first bill with the target periodic payment order to generate a sub-bill, clearing the sub-bill to obtain a target file, reconciling the target file with the acquired partner bill to obtain target information.

[0227] S30, based on the target reconciliation information, extract the bills with successful bilateral reconciliation and record them as the second bills.

[0228] S40, determining whether the second bill is consistent with the first-level reconciliation information, if so, outputting the reconciliation information based on the first strategy, if not, outputting the reconciliation information based on the second strategy.

[0229] The solution disclosed in this embodiment ensures the accuracy of data through multi-party bill comparison and verification, providing a reliable basis for company decision-making; the multi-step systematic reconciliation method reduces the complexity of manual operations and improves processing speed; flexibly responds to bill anomalies according to strategies, which helps to timely discover and solve potential problems; complete reconciliation information and processes are conducive to the subsequent audit process, ensuring financial compliance and enhancing the company's reputation; this structured method ensures the effectiveness of systematic processing of reconciliation data, cross-party reconciliation processes, and resolving differences through automated processing and manual intervention when necessary. .

[0230] Overall, this intelligent reconciliation method improves the efficiency and accuracy of multi-party reconciliation and optimizes the company's financial management process through reasonable step design and flexible processing strategies.

[0231] Among them, internal company bills can include payment middle office bills and business department bills.

[0232] Furthermore, the obtained multi-party payment institution bills are reconciled with the obtained internal company bills to obtain the first-level reconciliation information, and based on the first-level reconciliation information, the bills with successful bilateral reconciliation are extracted and recorded as the first bills, which specifically include:

[0234] Reconcile the obtained multi-party payment institution bills with the obtained payment middle platform bills to obtain the first-level reconciliation information, and based on the first-level reconciliation information, extract the bills with successful bilateral reconciliation and record them as the first target bills;

[0235] The first target bill is reconciled with the obtained business department bill to obtain second-level reconciliation information, and based on the second-level reconciliation information, the bill with successful bilateral reconciliation is extracted and recorded as the second target bill (ie, the first bill).

[0236] It should be noted that the specific implementation schemes of the multi-participant intelligent reconciliation method disclosed in Example 1 of the present application all correspond to the acquisition scheme of the multi-participant intelligent reconciliation method disclosed in Example 2 of the present application, so they will not be repeated here one by one.

[0237] Furthermore, the present application also discloses a multi-party intelligent reconciliation system, including:

[0238] An acquisition module, used to acquire first source information, second source information, third source information, and fourth source information;

[0239] A first reconciliation module, configured to obtain first-level reconciliation information based on a first information set extracted from the first source information and a second information set extracted from the second source information;

[0240] A first extraction module is used to extract the bills with successful bilateral reconciliation from the first source information and the second source information based on the first-level reconciliation information, and record them as first target bills;

[0241] A second reconciliation module, configured to obtain second-level reconciliation information based on the first target bill and a third information set extracted from the third source information;

[0242] A second extraction module is used to extract the first target bill and the bill with successful bilateral reconciliation from the third source information based on the second-level reconciliation information, and record it as the second target bill;

[0243] A clearing module is used to generate a sub-order based on the second target bill and the target periodic payment order, and to clear the sub-order to obtain a target file;

[0244] a third extraction module, configured to obtain third-level reconciliation information based on a fourth information set extracted from fourth source information in a target file;

[0245] A third reconciliation module is used to extract the target file and the bills that have been successfully reconciled bilaterally from the fourth source information based on the third-level reconciliation information, and record them as third target bills;

[0246] The analysis module is used to determine whether the third target bill is consistent with the first-level reconciliation information. If so, the reconciliation information is output based on the first strategy; if not, the reconciliation information is output based on the second strategy.

[0247] The specific implementation schemes of the multi-participant intelligent reconciliation method disclosed in Example 1 of the present application all correspond to the acquisition schemes in the multi-participant intelligent reconciliation system disclosed in this embodiment, so they will not be described one by one here.

[0249] The computer device according to the embodiment of the present disclosure includes a memory and a processor. The memory is used to store non-temporary computer-readable instructions. Specifically, the memory may include one or more computer program products, and the computer program product may include various forms of computer-readable storage media, such as volatile memory and / or non-volatile memory. The volatile memory may, for example, include a random access memory (RAM) and / or a cache memory (cache), etc. The non-volatile memory may, for example, include a read-only memory (ROM), a hard disk, a flash memory, etc.

[0250] The processor may be a central processing unit (CPU) or other forms of processing units with data processing capabilities and / or instruction execution capabilities, and may control other components in the computer device to perform desired functions. In one embodiment of the present disclosure, the processor is used to run the computer-readable instructions stored in the memory, so that the computer device executes all or part of the steps of the multi-participant intelligent reconciliation method of each embodiment of the present disclosure.

[0251] Those skilled in the art should be able to understand that in order to solve the technical problem of how to obtain a good user experience, the present embodiment may also include well-known structures such as a communication bus and an interface, and these well-known structures should also be included in the protection scope of the present disclosure.

[0252] like Fig. 9 A schematic diagram of the structure of a computer device provided in an embodiment of the present disclosure is shown, which is a schematic diagram of the structure of a computer device suitable for implementing the embodiment of the present disclosure. Fig. 9 The computer device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0253] like Fig. 9As shown, the computer device may include a processor (e.g., a central processing unit, a graphics processing unit, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) or a program loaded from a storage device into a random access memory (RAM). In the RAM, various programs and data required for the operation of the computer device are also stored. The processor, ROM, and RAM are connected to each other via a bus. An input / output (I / O) interface is also connected to the bus.

[0254] Typically, the following devices can be connected to the I / O interface: input devices such as sensors or visual information acquisition devices; output devices such as display screens; storage devices such as tapes, hard disks, etc.; and communication devices. The communication device can allow the computer device to communicate with other devices (such as edge computing devices) wirelessly or by wire to exchange data. Fig. 9 A computer device having various devices is shown, but it should be understood that it is not required to implement or possess all of the devices shown. More or fewer devices may be implemented or possessed instead.

[0255] In particular, according to an embodiment of the present disclosure, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present disclosure includes a computer program product, which includes a computer program carried on a non-transitory computer-readable medium, and the computer program contains program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device, or installed from a ROM. When the computer program is executed by a processor, all or part of the steps of the multi-participant intelligent reconciliation method of the embodiment of the present disclosure are executed.

[0256] For detailed description of this embodiment, reference may be made to the corresponding descriptions in the aforementioned embodiments, which will not be repeated here.

[0257] According to the computer-readable storage medium of the embodiment of the present disclosure, non-transitory computer-readable instructions are stored thereon. When the non-transitory computer-readable instructions are executed by a processor, all or part of the steps of the multi-participant intelligent reconciliation method of each embodiment of the present disclosure are executed.

[0258] The above-mentioned computer-readable storage media include, but are not limited to: optical storage media (e.g., CD-ROM and DVD), magneto-optical storage media (e.g., MO), magnetic storage media (e.g., magnetic tape or mobile hard disk), media with built-in rewritable non-volatile memory (e.g., memory card) and media with built-in ROM (e.g., ROM box).

[0259] For detailed description of this embodiment, reference may be made to the corresponding descriptions in the aforementioned embodiments, which will not be repeated here.

[0260] The basic principles of the present disclosure are described above in conjunction with specific embodiments. However, it should be noted that the advantages, strengths, effects, etc. mentioned in the present disclosure are only examples and not limitations, and it cannot be considered that these advantages, strengths, effects, etc. are required by each embodiment of the present disclosure. In addition, the specific details disclosed above are only for the purpose of illustration and ease of understanding, and are not limitations. The above details do not limit the present disclosure to the necessity of adopting the above specific details to be implemented.

[0261] In the present disclosure, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply that there is any such actual relationship or order between these entities or operations. The block diagrams of the devices, devices, equipment, and systems involved in the present disclosure are only illustrative examples and are not intended to require or imply that they must be connected, arranged, and configured in the manner shown in the block diagram. As will be appreciated by those skilled in the art, these devices, devices, equipment, and systems can be connected, arranged, and configured in any manner. Words such as "including", "comprising", "having", etc. are open words, referring to "including but not limited to", and can be used interchangeably with them. The words "or" and "and" used here refer to the words "and / or" and can be used interchangeably with them, unless the context clearly indicates otherwise. The words "such as" used here refer to the phrase "such as but not limited to", and can be used interchangeably with them.

[0263] Additionally, as used herein, "or" used in a list of items beginning with "at least one" indicates a separate list, so that, for example, a list of "at least one of A, B, or C" means A or B or C, or AB or AC or BC, or ABC (i.e., A and B and C). Furthermore, the word "exemplary" does not mean that the example described is preferred or better than other examples.

[0264] It should also be noted that in the system and method of the present disclosure, each component or each step can be decomposed and / or recombined. Such decomposition and / or recombination should be regarded as equivalent solutions of the present disclosure.

[0265] Various changes, substitutions, and modifications of the techniques described herein may be made without departing from the teachings defined by the appended claims. Furthermore, the scope of the claims of the present disclosure is not limited to the specific aspects of the processes, machines, manufactures, compositions of events, means, methods, and actions described above. Currently existing or later to be developed processes, machines, manufactures, compositions of events, means, methods, or actions that perform substantially the same functions or achieve substantially the same results as the corresponding aspects described herein may be utilized. Thus, the appended claims include such processes, machines, manufactures, compositions of events, means, methods, or actions within their scope.

[0266] The above description of the disclosed aspects is provided to enable any person skilled in the art to make or use the present disclosure. Various modifications to these aspects will be readily apparent to those skilled in the art, and the general principles defined herein may be applied to other aspects without departing from the scope of the present disclosure. Therefore, the present disclosure is not intended to be limited to the aspects shown herein, but rather to the widest scope consistent with the principles and novel features disclosed herein.

[0267] The above description has been given for the purpose of illustration and description. In addition, this description is not intended to limit the embodiments of the present disclosure to the forms disclosed herein. Although multiple example aspects and embodiments have been discussed above, those skilled in the art will recognize certain variations, modifications, changes, additions and sub-combinations thereof.

Claims

1. A multi-party intelligent reconciliation method, characterized in that: include: Obtaining first source information, second source information, third source information, and fourth source information; obtaining first-level reconciliation information based on a first information set extracted from the first source information and a second information set extracted from the second source information; Based on the first-level reconciliation information, extract the bills with successful bilateral reconciliation from the first source information and the second source information, and record them as first target bills; Obtaining second-level reconciliation information based on the first target bill and a third information set extracted from the third source information; Based on the second-level reconciliation information, extract the first target bill and the bill with successful bilateral reconciliation from the third source information, and record it as the second target bill; Based on the second target bill and the target installment payment order, a sub-order is generated, and the sub-order is cleared to obtain a target file; Obtaining third-level reconciliation information based on the target file and a fourth information set extracted from the fourth source information; Based on the third-level reconciliation information, extract the target file and the bills with successful bilateral reconciliation from the fourth source information, and record them as third target bills; Determine whether the third target bill is consistent with the first-level reconciliation information. If so, output the reconciliation information based on the first strategy; if not, output the reconciliation information based on the second strategy.

2. The multi-party intelligent reconciliation method according to claim 1, characterized in that: The first source information includes bills from multiple payment institutions; The method for obtaining the first source information includes: Obtain transaction orders from multiple payment institutions through API calls or data export; Preprocessing the running order, reading the preprocessed running order based on a preset parsing library, and obtaining information of several target fields; Performing fusion processing on the target field information to obtain the first source information; The preprocessing includes one or more of format conversion, deduplication processing, and data verification.

3. The multi-party intelligent reconciliation method according to claim 1, characterized in that: The first-level reconciliation information includes one or more of the following: bills for which the first source information and the second source information are successfully reconciled, and bills from the first source unilaterally, bills from the second source unilaterally, and bills with inconsistent amounts between the first source and the second source; The second-level reconciliation information includes one or more of the following: the first target bill and the third source bill that have been reconciled successfully, the first target unilateral bill, the third source unilateral bill, and the first target bill and the third source bill with inconsistent amounts; The third-level reconciliation information includes one or more of the following: the bills of the target file and the fourth source information that have been reconciled successfully, the bills of the target file on one side, the bills of the fourth source on one side, and the bills of the target file and the fourth source with inconsistent amounts; The second source information includes payment platform bills, the third source information includes business department bills, and the fourth source information includes partner bills.

4. The multi-party intelligent reconciliation method according to claim 3, characterized in that: The method for obtaining the first target bill includes: Respectively obtain transaction records corresponding to all payment collection / refund transaction types in the first source information and the second source information, and record them as a first payment collection / refund bill set and a second payment collection / refund bill set; Respectively obtain the number of bill records in the first collection / refund bill set and the second collection / refund bill set. If the two are consistent, obtain the number of different transaction amounts in the first collection / refund bill set and the second collection / refund bill set. If the number of orders corresponding to different transaction amounts in the first collection / refund bill set is inconsistent with the number of orders corresponding to different transaction amounts in the second collection / refund bill set, the set with the smaller number is recorded as the first target set; If the first target set is a first collection / refund bill set, obtain the number of different transaction amounts in the first collection / refund bill set and the amount sorting from large to small, and extract bill records with the same amount from the second collection / refund bill set based on the amount sorting, and record them as the second target set; Obtain the number of orders with the same transaction amount in the second target set. If the number of orders with the same transaction amount in the first collection / refund bill set is the same, extract the first transaction number set and the second transaction number set in the first collection / refund bill set and the second collection / refund bill set respectively; Based on the first transaction order number set, each order in the second transaction order number set is traversed, and the order records in the first transaction order number set that are successfully matched with the orders in the second transaction order number set are recorded as the first target bill.

5. The multi-party intelligent reconciliation method according to claim 4, characterized in that: If the number of bill records in the first collection / refund bill set is the same as the number of bill records in the second collection / refund bill set, extract the first transaction number set and the second transaction number set from the first collection / refund bill set and the second collection / refund bill set respectively; Based on the first transaction order number set, each order in the second transaction order number set is traversed, and the order records in the first transaction order number set that are successfully matched with the orders in the second transaction order number set are recorded as the first target bill.

6. The multi-party intelligent reconciliation method according to claim 3, characterized in that: The method for obtaining the second target bill includes: Extracting the geographic location field of each recorded bill in the first target bill and the third source information respectively to obtain a first field set and a second field set; the geographic location field includes a transaction location information field and a corresponding transaction time; Based on the preset index, the first field set and the second field set are matched and judged. If the two completely match, the transaction party information in the first target bill and the third source information are respectively extracted to obtain the first transaction information and the second transaction information; Perform an accurate match between the first transaction information and the second transaction information, and obtain all transaction amounts of the recorded bills in the first transaction information that successfully matches the second transaction information, and record them as a first amount information set; Sort the amounts in the first amount information set from largest to smallest, and based on the sorting result, traverse the recorded bills in the second transaction information that successfully matches the first transaction information, and use the recorded bills that successfully match the first amount information set as the second target bills; If the first field set does not completely match the second field set, obtain the record bills that successfully match in the first field set and record them as the target transaction bill set, obtain the transaction party information in the target transaction bill set and record them as the third transaction information; based on the third transaction information, traverse the second transaction information, obtain the record bills in the third transaction information that successfully match the information in the second transaction information, and record them as the second amount information set; Sort the amounts in the second amount information set from largest to smallest, and based on the sorting result, traverse the recorded bills in the third transaction information that successfully matches the second transaction information, and take the recorded bills that successfully match the second amount information set as the second target bill; The preset indicators include one or more of geographical coordinates, cities, and regions.

7. The multi-party intelligent reconciliation method according to claim 6, characterized in that: The method for obtaining the target file includes: Obtain the transaction order numbers of all orders in the second target bill; Determine the target periodic payment order in a preset database based on the transaction order number; The payment rules in the target periodic payment order are obtained, and the second target bill is settled based on the payment rules to generate a plurality of sub-bills, which constitute the target file.

8. The multi-party intelligent reconciliation method according to claim 3, characterized in that: The method for obtaining the third target bill includes: Splitting the target file based on a preset period to obtain bill information of several batches; Acquire the fourth source information of the corresponding batch based on the bill information; Acquire transaction period information of all recorded bills in the target file, sort all the transaction period information in chronological order, and obtain a first sequence; Based on the first sequence, the fourth source information is traversed in order, and the recorded bill corresponding to the first sequence that successfully matches the fourth source information is obtained, and recorded as the first period bill; the recorded bill corresponding to the successfully matched fourth source information is recorded as the second period bill; Obtaining the additional fee of each bill in the first bill and the second bill; Obtain the recorded bill in the first period bill that successfully matches the additional fee in the second period bill, and record it as the first target bill; record the corresponding recorded bill in the second period bill that successfully matches as the second target bill; The transaction information of the first target bill is obtained, and the second target bill is traversed based on the transaction information to obtain the record bill in the first target bill that successfully matches the second target bill, which is recorded as the third target bill.

9. The multi-party intelligent reconciliation method according to claim 1, characterized in that: If the first target bill is inconsistent with the first-level reconciliation information, obtain the middle-end abnormal information in the first-level reconciliation information, retrieve the corresponding initial bill information in the first source information based on the middle-end abnormal information, and correct the abnormal bill in the second source information based on the initial bill information; If the target file is inconsistent with the second target bill, abnormal business information in the third source information is obtained, and based on the abnormal business information, the payment center is triggered to send an abnormal order compensation message to the corresponding business department; In response to the abnormal order compensation message, trigger the corresponding business department to automatically correct the status of the abnormal bill; If the third target bill is inconsistent with the target file, abnormal cooperation information in the fourth source information is obtained, and based on the abnormal cooperation information, the corresponding partner is triggered to perform internal bill self-inspection and correction.

10. A multi-party intelligent reconciliation method, characterized in that: include: Reconcile the obtained first source information with the obtained internal company bills to obtain first-level reconciliation information, and extract the bills with successful bilateral reconciliation based on the first-level reconciliation information, which are recorded as first bills; Associating the first bill with the target periodic payment order to generate a sub-bill, clearing the sub-bill to obtain a target file, and reconciling the target file with the acquired fourth source information to obtain target information; Based on the target reconciliation information, extract the bills with successful bilateral reconciliation and record them as the second bills; Determine whether the second bill is consistent with the first-level reconciliation information. If so, output the reconciliation information based on the first strategy; if not, output the reconciliation information based on the second strategy.

11. A computer device, characterized in that: The computer device comprises: at least one processor; and, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the multi-participant intelligent reconciliation method described in any one of claims 1-9 or the multi-participant intelligent reconciliation method described in claim 10.

12. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, which are used to enable a computer to execute the multi-participant intelligent reconciliation method described in any one of claims 1 to 9 or the multi-participant intelligent reconciliation method described in claim 10.

13. A computer program product comprising computer instructions, characterized in that: When the computer instruction is executed by a processor, the method according to any one of claims 1 to 9 or the steps of the method according to claim 10 are implemented.

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