Account checking processing method and device, electronic equipment and storage medium

Abstract

The invention relates to a reconciliation processing method and device, electronic equipment and a storage medium, and belongs to the technical field of financial information services, and the method comprises the steps that an order receiving system obtains a transaction order record; the transaction order record is an order record generated when the digital currency of the transaction object is transferred to a specified digital sub-wallet corresponding to an acquiring system; transferring the digital currency from the specified digital sub-wallet to the supervision account corresponding to the specified digital sub-wallet according to the transaction order record when the specified time point arrives, and obtaining a transfer flow; the transaction order record added with the serial number of the transfer flow is pushed to a supervision service system, the supervision service system is indicated to carry out account checking processing, based on the characteristics of the digital currency, identity information of an owning object of the digital currency can be recorded, and tracking and supervision are facilitated; and the processed transaction order record is pushed, so that the supervision service system can automatically carry out account checking processing without decomposition, the account checking cost is low, and the account checking efficiency is high.

Description

Technical Field

[0001] The present disclosure relates to the technical field of financial information services, and in particular to an account reconciliation processing method, device, electronic device and storage medium. Background Art

[0002] In the current reconciliation processing method, enterprises collect designated funds from the object by scanning codes or swiping bank cards, such as house purchase funds, and transfer the collected funds to the supervision account through the designated account to achieve supervision and reconciliation processing. In the above scheme, the supervision is not strict before the collected funds are transferred to the supervision account, and there may be cases of private transfer to other accounts, which poses a regulatory risk. In addition, the supervision account is only based on the summary flow of funds transferred from the designated account, which is difficult to automatically reconcile. It needs to be manually decomposed for reconciliation, which has high reconciliation costs and poor reconciliation efficiency. Summary of the invention

[0003] The present disclosure provides a method, device, electronic device and storage medium for reconciliation processing, so as to at least solve the problems of high reconciliation processing cost and poor packaging efficiency in the related art. The technical solution of the present disclosure is as follows:

[0004] According to a first aspect of an embodiment of the present disclosure, there is provided a reconciliation processing method, which is applied to an acquiring system, and includes: obtaining a transaction order record; the transaction order record is an order record generated when the digital currency of the transaction object is transferred to a designated digital sub-wallet corresponding to the acquiring system; when a designated time point is reached, in accordance with the transaction order record, the digital currency is transferred from the designated digital sub-wallet to a regulatory account corresponding to the designated digital sub-wallet to obtain a transfer flow; the serial number of the transfer flow is added to the transaction order record to obtain a processed transaction order record; the processed transaction order record is pushed to a regulatory business system, and the regulatory business system is instructed to perform reconciliation processing.

[0005] According to a second aspect of an embodiment of the present disclosure, there is provided a reconciliation processing device, which is applied to an acquiring system, and includes: an acquisition module, which is used to acquire a transaction order record; the transaction order record is an order record generated when the digital currency of the transaction object is transferred to a designated digital sub-wallet corresponding to the acquiring system; a first processing module, which is used to transfer the digital currency from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet according to the transaction order record when a designated time point is reached, and obtain a transfer flow; a second processing module, which is used to add the serial number of the transfer flow to the transaction order record to obtain a processed transaction order record; and a push module, which is used to push the processed transaction order record to the regulatory business system, and instruct the regulatory business system to perform reconciliation processing.

[0006] According to a third aspect of an embodiment of the present disclosure, there is provided an electronic device, comprising: a processor; and a memory for storing instructions executable by the processor; wherein the processor is configured to execute the instructions to implement the reconciliation processing method as described above.

[0007] According to a fourth aspect of an embodiment of the present disclosure, a storage medium is provided. When instructions in the storage medium are executed by a processor of an electronic device, the electronic device can execute the reconciliation processing method as described above.

[0008] According to a fifth aspect of an embodiment of the present disclosure, a computer program product is provided, including a computer program, and when the computer program is executed by a processor of an electronic device, the electronic device is enabled to perform a reconciliation processing method as described above.

[0009] The technical solution provided by the embodiments of the present disclosure brings at least the following beneficial effects:

[0010] The acquiring system obtains the transaction order record; the transaction order record is the order record generated when the digital currency of the transaction object is transferred to the designated digital sub-wallet corresponding to the acquiring system; when the designated time point is reached, the digital currency is transferred from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet according to the transaction order record to obtain the transfer flow; the serial number of the transfer flow is added to the transaction order record to obtain the processed transaction order record; the processed transaction order record is pushed to the regulatory business system, instructing the regulatory business system to perform reconciliation processing, wherein, based on the characteristics of digital currency, the identity information of the owner of the digital currency can be recorded to facilitate tracking and supervision; and the push of the processed transaction order record enables the regulatory business system to automatically perform reconciliation processing without decomposition, with low reconciliation cost and high reconciliation efficiency.

[0011] It is to be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0012] The drawings herein are incorporated into and constitute a part of the specification, illustrate embodiments consistent with the present disclosure, and together with the description are used to explain the principles of the present disclosure, and do not constitute improper limitations on the present disclosure.

[0013] Figure 1 is a flow chart of a method for reconciliation processing according to the first embodiment of the present disclosure;

[0014] Figure 2 This is a schematic diagram of a digital mother wallet and a digital sub-wallet set up in a bank for development company A;

[0015] Figure 3This is a schematic diagram of the transfer of the designated digital sub-wallet of development company A in a bank;

[0016] Figure 4 is a flow chart of a method for reconciliation processing according to the second embodiment of the present disclosure;

[0017] Figure 5 is a structural schematic diagram of a reconciliation processing device according to a third embodiment of the present disclosure;

[0018] Figure 6 The invention is a block diagram of an electronic device for executing a reconciliation processing method. DETAILED DESCRIPTION

[0019] In order to enable ordinary persons in the art to better understand the technical solutions of the present disclosure, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings.

[0020] Among them, the acquisition, storage, use, and processing of data in the technical solution of this application are in compliance with the relevant provisions of national laws and regulations.

[0021] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.

[0022] In the current reconciliation processing method, enterprises collect designated funds from the object by scanning codes or swiping bank cards, such as house purchase funds, and transfer the collected funds to the supervision account through the designated account to achieve supervision and reconciliation processing. In the above scheme, the supervision is not strict before the collected funds are transferred to the supervision account, and there may be cases of private transfer to other accounts, which poses a regulatory risk. In addition, the supervision account is only based on the summary flow of funds transferred from the designated account, which is difficult to automatically reconcile. It needs to be manually decomposed for reconciliation, which has high reconciliation costs and poor reconciliation efficiency.

[0023] In order to solve the problems of high reconciliation cost and poor reconciliation efficiency in related technologies, the present disclosure proposes a reconciliation processing method, in which the acquiring system obtains transaction order records; the transaction order records are order records generated when the digital currency of the transaction object is transferred to the designated digital sub-wallet corresponding to the acquiring system; when the designated time point is reached, the digital currency is transferred from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet according to the transaction order records, and a transfer flow is obtained; the serial number of the transfer flow is added to the transaction order record to obtain a processed transaction order record; the processed transaction order record is pushed to the regulatory business system, instructing the regulatory business system to perform reconciliation processing, wherein, based on the characteristics of digital currency, the identity information of the owner of the digital currency can be recorded, which is convenient for tracking and supervision; and the push of the processed transaction order record enables the regulatory business system to automatically perform reconciliation processing without decomposition, so that the reconciliation cost is low and the reconciliation efficiency is high.

[0024] Figure 1 is a flowchart of a reconciliation processing method according to the first embodiment of the present disclosure, which is applied to a payment acquiring system, such as Figure 1 As shown, the following steps are included.

[0025] In step 101, a transaction order record is obtained; the transaction order record is an order record generated when the digital currency of the transaction object is transferred to the designated digital sub-wallet corresponding to the acquiring system.

[0026] It should be noted that the execution subject of the reconciliation processing method of the present disclosure is the reconciliation processing device. The reconciliation processing method of the embodiment of the present disclosure can be executed by the reconciliation processing device of the embodiment of the present disclosure, and the reconciliation processing device of the embodiment of the present disclosure can be configured in any electronic device, or in any software on any electronic device, to execute the reconciliation processing method of the embodiment of the present disclosure.

[0027] The electronic device may be, for example, an acquiring system. The acquiring system may include at least one POS terminal device. The POS (point of sale) terminal device is a multifunctional terminal that can realize automatic transfer of digital currency after being connected to the Internet, and has functions such as supporting consumption, pre-authorization, balance inquiry and transfer. In the following embodiments, the acquiring system is taken as an example for explanation.

[0028] Among them, Digital Currency (DC) is an alternative currency in the form of electronic currency.

[0029] Among them, the digital sub-wallet is the storage medium of digital currency. Among them, the digital currency of the transaction object may refer to the digital currency in the digital sub-wallet of the transaction object. Transfer refers to transferring the digital currency in the digital sub-wallet of the transaction object to the designated digital sub-wallet corresponding to the acquiring system. Among them, the digital currency is generally marked with the historical object that owns the digital currency and the current object that owns the digital currency. Therefore, the transfer of digital currency may refer to adding a new mark to the digital currency, that is, marking the object corresponding to the designated digital sub-wallet.

[0030] It should be noted that the object here may be an object referring to an entity object such as a user, or an object referring to a non-entity object such as a legal person.

[0031] In the disclosed embodiment, before step 101, the acquiring system needs to determine which designated digital sub-wallet is corresponding. Correspondingly, before step 101, the acquiring system can perform the following process: send a query request to the digital currency management platform; the query request carries the system identifier of the acquiring system; receive the associated configuration information including the system identifier returned by the digital currency management platform; determine the digital sub-wallet corresponding to the digital sub-wallet identifier in the associated configuration information as the designated digital sub-wallet corresponding to the acquiring system.

[0032] The digital currency management platform manages the corresponding relationship between each designated digital sub-wallet and the acquiring system. The digital currency management platform can perform acquiring system configuration processing on the designated digital sub-wallet through the associated configuration information to determine the acquiring system corresponding to the designated digital sub-wallet; the acquiring system can also query and obtain the associated configuration information including its own system identifier to determine the designated digital sub-wallet corresponding to the acquiring system.

[0033] It should be noted that the designated digital sub-wallet refers to a digital sub-wallet dedicated to a certain amount of money. In the disclosed embodiment, the designated digital sub-wallet can be one of the digital sub-wallets set up by the customer under the digital mother wallet set up in the bank; there is no digital currency transfer relationship between the designated digital sub-wallet and other digital sub-wallets under the digital mother wallet; the designated digital sub-wallet is used for digital currency transfer under the customer's designated transaction business.

[0034] Each bank may be provided with a digital wallet controlled management platform. In the bank's digital wallet controlled management platform, only one digital mother wallet may be provided for each customer, but multiple digital sub-wallets may be provided under the digital mother wallet for the management of different amounts. The digital sub-wallets under the digital mother wallet may include, for example, a pre-sale house payment sub-wallet, a collection compensation payment sub-wallet, etc. The designated digital sub-wallet in this embodiment may include, for example, a pre-sale house payment sub-wallet, etc.

[0035] like Figure 2 The figure shows a schematic diagram of a digital mother wallet and a digital sub-wallet set up in a bank for development company A. Figure 2 In the figure, the developer A has a balance of 8 million in a bank's digital currency mother wallet, of which 4 million is frozen. The digital currency mother wallet is set up with a pre-sale house payment sub-wallet, a collection compensation payment sub-wallet and other sub-wallets. Among them, there is a balance of 4 million in the pre-sale house payment sub-wallet, and the collection account is 001; there is a balance of 3 million in the collection compensation payment sub-wallet; and there is a balance of 1 million in other sub-wallets. Among them, the collection account refers to the regulatory account corresponding to the pre-sale house payment sub-wallet. Among them, the balance in the pre-sale house payment sub-wallet is in a frozen state; the sum of the amounts of multiple sub-wallets is the amount in the digital currency mother wallet.

[0036] Among them, there is no digital currency transfer relationship between the designated digital sub-wallet and other digital sub-wallets under the digital mother wallet, which means that digital currency transfers are not allowed between multiple digital sub-wallets under the same digital mother wallet, thereby avoiding the situation where funds in the digital sub-wallet are privately transferred to other accounts and avoiding regulatory risks.

[0037] In step 102, when the designated time point is reached, the digital currency is transferred from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet according to the transaction order record to obtain the transfer flow.

[0038] In the embodiment of the present disclosure, the specified time point may be, for example, a collection time point, wherein the collection time point may be a fixed time point every day, for example, 24 o'clock.

[0039] In the disclosed embodiment, the process of the acquiring system executing step 102 may be, for example, that when the specified time point is reached, the acquiring system initiates a sub-wallet collection operation through the interface between the acquired system and the specified digital sub-wallet, and transfers all digital currencies in the specified digital sub-wallet to the supervision account corresponding to the specified digital sub-wallet. The supervision account is a bank supervision account located in the bank's core system.

[0040] Among them, after the acquiring system transfers digital currency from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet according to the transaction order record, the transfer flow obtained may include: flow number, transfer amount, balance, transaction type, transaction time, receiving account number, etc. Among them, the receiving account number is the account number of the regulatory account; the transaction type is deposit.

[0041] like Figure 3 The figure below is a schematic diagram of the transfer of a designated digital sub-wallet of a development company A in a bank. Figure 3In the example, (1) before the transfer (before the collection), the developer A has a balance of 800,000 in the digital currency mother wallet of a certain bank, of which 400,000 is frozen. The digital currency mother wallet is set with a pre-sale house payment sub-wallet, a collection compensation payment sub-wallet and other sub-wallets. Among them, the pre-sale house payment sub-wallet has a balance of 400,000, and the collection account is 001; the collection compensation payment sub-wallet has a balance of 300,000; and the other sub-wallets have a balance of 100,000. At this time, the balance in the bank supervision account of the developer A is 0 yuan, and the account number is 001. (2) After the transfer (after the collection), the developer A has a balance of 400,000 in the digital currency mother wallet of a certain bank, of which 0 yuan is frozen. Among them, the pre-sale house payment sub-wallet has a balance of 0 yuan, and the collection account is 001; the collection compensation payment sub-wallet has a balance of 300,000; and the other sub-wallets have a balance of 100,000. At this time, the balance in the bank supervision account of the developer A is 400,000, and the account number is 001.

[0042] In step 103, the serial number of the transfer is added to the transaction order record to obtain a processed transaction order record.

[0043] Among them, the serial number of the transfer flow is added to the transaction order record, so that the acquiring system or the regulatory business system can understand the amount in the transfer flow and the transactions involved; and then it is convenient to combine the transaction order records of each transaction involved, split the amount in the transfer flow, and then perform reconciliation processing, avoiding manual decomposition for reconciliation, reducing reconciliation costs, and improving reconciliation efficiency.

[0044] In step 104, the processed transaction order record is pushed to the regulatory business system, instructing the regulatory business system to perform reconciliation processing.

[0045] In the embodiment of the present disclosure, the processed transaction order record may include the following information: contract identification, order identification, transaction amount, transaction object identification, transaction time, payment account, transfer serial number, etc. After receiving the processed transaction order record, the regulatory business system can obtain the transfer serial number according to the serial number; combine multiple processed transaction order records to perform amount verification and realize reconciliation.

[0046] In summary, the acquiring system obtains the transaction order record; the transaction order record is the order record generated when the digital currency of the transaction object is transferred to the designated digital sub-wallet corresponding to the acquiring system; when the designated time point is reached, the digital currency is transferred from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet according to the transaction order record, and the transfer flow is obtained; the serial number of the transfer flow is added to the transaction order record to obtain a processed transaction order record; the processed transaction order record is pushed to the regulatory business system, instructing the regulatory business system to perform reconciliation processing, wherein, based on the characteristics of digital currency, the identity information of the owner of the digital currency can be recorded, which is convenient for tracking and supervision; and the push of the processed transaction order record enables the regulatory business system to automatically perform reconciliation processing without decomposition, with low reconciliation cost and high reconciliation efficiency.

[0047] Figure 4 is a flow chart of a reconciliation processing method according to the second embodiment of the present disclosure, which is applied to a payment acquiring system, such as Figure 4 As shown, the following steps are included.

[0048] In step 401, when a document scanning request is received, the transaction document to be traded corresponding to the transaction contract is scanned and obtained.

[0049] In the disclosed embodiment, the transaction contract is, for example, a shopping contract, an insurance contract, etc. The shopping contract is, for example, a house purchase contract, a car purchase contract, etc., which are not specifically limited here. The transaction document is a fee document corresponding to the transaction contract. Taking the house purchase contract as an example, the transaction document is a house purchase fee document.

[0050] In the disclosed embodiment, when the object selects or clicks the document scanning control or button in the acquiring system, the acquiring system determines that it has received the document scanning request, then turns on the scanner to scan the designated area around the acquiring system to obtain the documents to be traded corresponding to the transaction contract.

[0051] After turning on the scanner, you can also use voice to prompt the object to place the paper document to be scanned in a designated area around the acquiring system for easy scanning.

[0052] In step 402, according to the transaction document, the QR code of the digital currency wallet of the transaction object is scanned to transfer the digital currency of the transaction object to the designated digital sub-wallet.

[0053] In the disclosed embodiment, after obtaining the documents to be traded, the acquiring system may open the scanner upon detecting a selection or click operation on a wallet QR code scanning control or button, or actively open the scanner to scan a designated area around the acquiring system to transfer the digital currency of the transaction object to a designated digital sub-wallet.

[0054] In step 403, a transaction order record is generated according to the transfer result.

[0055] In the disclosed embodiment, the transaction order record may include the following information: contract identification, order identification, transaction amount, transaction object identification, transaction time, payment account, etc. Among them, the process of the acquiring system transferring digital currency may be, for example, determining the transaction amount according to the transaction document to be traded; scanning the QR code of the digital currency wallet of the transaction object, and transferring the digital currency from the digital currency wallet according to the transaction amount, that is, adding the corporate identity information corresponding to the payment account to the digital currency with the transaction amount in the digital currency wallet, so as to update the owner of the digital currency with the transaction amount, and realize the transfer of the digital currency to the designated digital sub-wallet.

[0056] In the disclosed embodiment, in order to facilitate the regulatory business system to perform further reconciliation, understand the authenticity and accuracy of each transaction, and improve the efficiency of reconciliation processing, when the transaction order record includes the contract identifier corresponding to the transaction contract information based on the transfer, after step 403, the acquiring system can also perform the following process: push a notification carrying the contract identifier to the regulatory business system, instructing the regulatory business system to record the transaction contract information for reconciliation processing.

[0057] Among them, after receiving the notification carrying the contract identification, the regulatory business system can record and file the transaction contract information corresponding to the contract identification, so as to determine the authenticity and accuracy of the processed transaction order records by comparing the processed transaction order records and the corresponding transaction contract information after receiving multiple processed transaction order records, thereby further improving the efficiency of reconciliation processing.

[0058] In step 404, when the designated time point is reached, the digital currency is transferred from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet according to the transaction order record to obtain the transfer flow.

[0059] In step 405, the serial number of the transfer is added to the transaction order record to obtain a processed transaction order record.

[0060] In step 406, the processed transaction order record is pushed to the regulatory business system, instructing the regulatory business system to perform reconciliation processing.

[0061] It should be noted that the detailed description of steps 404 to 406 can be found in Figure 1 The detailed description of steps 102 to 104 in the embodiment will not be repeated here.

[0062] In summary, the acquiring system, when receiving a document scanning request, scans and obtains the pending transaction document corresponding to the transaction contract; according to the pending transaction document, scans the QR code of the digital currency wallet of the transaction object to transfer the digital currency of the transaction object to the designated digital sub-wallet; generates a transaction order record according to the transfer result; when arriving at the designated time point, according to the transaction order record, transfers the digital currency from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet to obtain the transfer flow; adds the serial number of the transfer flow to the transaction order record to obtain the processed transaction order record; pushes the processed transaction order record to the regulatory business system, instructing the regulatory business system to perform reconciliation processing; wherein, based on the characteristics of digital currency, the identity information of the owner of the digital currency can be recorded, which is convenient for tracking and supervision; and the push of the processed transaction order record enables the regulatory business system to automatically perform reconciliation processing without decomposition, with low reconciliation cost and high reconciliation efficiency.

[0063] In order to implement the above embodiment, the embodiment of the present disclosure proposes a reconciliation processing device.

[0064] Figure 5 is a schematic diagram of the structure of the account reconciliation processing device according to the third embodiment of the present disclosure, referring to Figure 5 The reconciliation processing device 500 is applied to a payment acquiring system and may include: an acquisition module 510, a first processing module 520, a second processing module 530 and a push module 540.

[0065] Among them, the acquisition module 510 is used to obtain the transaction order record; the transaction order record is the order record generated when the digital currency of the transaction object is transferred to the designated digital sub-wallet corresponding to the acquiring system; the first processing module 520 is used to transfer the digital currency from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet according to the transaction order record when the designated time point is reached, and obtain the transfer flow; the second processing module 530 is used to add the serial number of the transfer flow to the transaction order record to obtain the processed transaction order record; the push module 540 is used to push the processed transaction order record to the regulatory business system, instructing the regulatory business system to perform reconciliation processing.

[0066] As a possible implementation method of the embodiment of the present disclosure, the device also includes: a scanning processing module, a receiving module and a determining module; the scanning processing module is used to send a query request to the digital currency management platform; the query request carries the system identifier of the acquiring system; the receiving module is used to receive the associated configuration information including the system identifier returned by the digital currency management platform; the determining module is used to determine the digital sub-wallet corresponding to the digital sub-wallet identifier in the associated configuration information as the designated digital sub-wallet corresponding to the acquiring system.

[0067] As a possible implementation method of the embodiment of the present disclosure, the acquisition module 510 is specifically used to scan and obtain the pending transaction document corresponding to the transaction contract when a document scanning request is received; according to the pending transaction document, scan the QR code of the digital currency wallet of the transaction object to transfer the digital currency of the transaction object to the designated digital sub-wallet; and generate the transaction order record according to the transfer result.

[0068] As a possible implementation method of the embodiment of the present disclosure, the transaction order record includes a contract identifier corresponding to the transaction contract information based on which the transfer is based; the push module 540 is also used to push a notification carrying the contract identifier to the regulatory business system, instructing the regulatory business system to record and file the transaction contract information for reconciliation processing.

[0069] As a possible implementation method of the embodiment of the present disclosure, the designated digital sub-wallet is one of the digital sub-wallets set up by the customer under the digital mother wallet set up in the bank; there is no digital currency transfer relationship between the designated digital sub-wallet and other digital sub-wallets under the digital mother wallet; the designated digital sub-wallet is used for digital currency transfer under the designated transaction business of the customer.

[0070] As a possible implementation of the embodiment of the present disclosure, the acquiring system includes at least one POS terminal device; at least one POS terminal device is connected to the designated sub-wallet through an interface.

[0071] In summary, the acquiring system obtains the transaction order record; the transaction order record is the order record generated when the digital currency of the transaction object is transferred to the designated digital sub-wallet corresponding to the acquiring system; when the designated time point is reached, the digital currency is transferred from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet according to the transaction order record, and the transfer flow is obtained; the serial number of the transfer flow is added to the transaction order record to obtain a processed transaction order record; the processed transaction order record is pushed to the regulatory business system, instructing the regulatory business system to perform reconciliation processing, wherein, based on the characteristics of digital currency, the identity information of the owner of the digital currency can be recorded, which is convenient for tracking and supervision; and the push of the processed transaction order record enables the regulatory business system to automatically perform reconciliation processing without decomposition, with low reconciliation cost and high reconciliation efficiency.

[0072] Figure 6 The invention is a block diagram of an electronic device for executing a reconciliation processing method.

[0073] like Figure 6 As shown, the electronic device 600 includes:

[0074] The memory 610 and the processor 620, a bus 630 connecting different components (including the memory 610 and the processor 620), the memory 610 stores a computer program, and when the processor 620 executes the program, the reconciliation processing method described in the embodiment of the present disclosure is implemented.

[0075] Bus 630 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor or a local bus using any of a variety of bus architectures. By way of example, these architectures include, but are not limited to, an Industry Standard Architecture (ISA) bus, a Micro Channel Architecture (MAC) bus, an Enhanced ISA bus, a Video Electronics Standards Association (VESA) local bus, and a Peripheral Component Interconnect (PCI) bus.

[0076] The electronic device 600 typically includes a variety of electronic device readable media. These media can be any available media that can be accessed by the electronic device 600, including volatile and non-volatile media, removable and non-removable media.

[0077] The memory 610 may also include computer system readable media in the form of volatile memory, such as random access memory (RAM) 640 and / or cache memory 650. The electronic device 600 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 660 may be used to read and write non-removable, non-volatile magnetic media ( Figure 6not shown, usually called a "hard drive"). Although Figure 6 Not shown, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, a DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 630 via one or more data medium interfaces. The memory 610 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present disclosure.

[0078] A program / utility 680 having a set (at least one) of program modules 670 may be stored, for example, in the memory 610, such program modules 670 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. The program modules 670 generally perform the functions and / or methods of the embodiments described in the present disclosure.

[0079] The electronic device 600 may also communicate with one or more external devices 690 (e.g., keyboard, pointing device, display 691, etc.), one or more devices that enable a user to interact with the electronic device 600, and / or any device that enables the electronic device 600 to communicate with one or more other computing devices (e.g., network card, modem, etc.). Such communication may be performed through an input / output (I / O) interface 692. Furthermore, the electronic device 600 may also communicate with one or more networks (e.g., local area network (LAN), wide area network (WAN) and / or public network, such as the Internet) through a network adapter 693. Figure 6 As shown, the network adapter 693 communicates with other modules of the electronic device 600 via the bus 630. It should be understood that although Figure 6 Not shown, other hardware and / or software modules may be used in conjunction with electronic device 600, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0080] The processor 620 executes various functional applications and data processing by running the programs stored in the memory 610 .

[0081] It should be noted that the implementation process and technical principles of the electronic device of this embodiment refer to the aforementioned explanation of the reconciliation processing method of the embodiment of the present disclosure, and will not be repeated here.

[0082] The electronic device provided by the embodiment of the present disclosure can execute the reconciliation processing method as described above, and the acquiring system obtains the transaction order record; the transaction order record is the order record generated when the digital currency of the transaction object is transferred to the designated digital sub-wallet corresponding to the acquiring system; when the designated time point is reached, the digital currency is transferred from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet according to the transaction order record, and the transfer flow is obtained; the serial number of the transfer flow is added to the transaction order record to obtain a processed transaction order record; the processed transaction order record is pushed to the regulatory business system, instructing the regulatory business system to perform reconciliation processing, wherein, based on the characteristics of digital currency, the identity information of the owner of the digital currency can be recorded to facilitate tracking and supervision; and the push of the processed transaction order record enables the regulatory business system to automatically perform reconciliation processing without decomposition, with low reconciliation cost and high reconciliation efficiency.

[0083] In order to implement the above embodiments, the present disclosure also proposes a storage medium.

[0084] When the instructions in the storage medium are executed by the processor of the electronic device, the electronic device can execute the reconciliation processing method as described above.

[0085] In order to implement the above embodiments, the present disclosure also provides a computer program product, including a computer program, which, when executed by a processor of an electronic device, enables the electronic device to perform the reconciliation processing method as described above.

[0086] Those skilled in the art will readily appreciate other embodiments of the present disclosure after considering the specification and practicing the invention disclosed herein. The present disclosure is intended to cover any variations, uses or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art that are not disclosed in the present disclosure. The description and examples are to be considered exemplary only, and the true scope and spirit of the present disclosure are indicated by the following claims.

[0087] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A method for reconciliation processing, characterized in that: Applied to acquiring systems, including: Obtaining a transaction order record; the transaction order record is an order record generated when the digital currency of the transaction object is transferred to the designated digital sub-wallet corresponding to the acquiring system; When the designated time point is reached, the digital currency is transferred from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet according to the transaction order record to obtain the transfer flow; Add the serial number of the transfer order to the transaction order record to obtain a processed transaction order record; The processed transaction order record is pushed to the regulatory business system, instructing the regulatory business system to perform reconciliation processing.

2. The method according to claim 1, characterized in that The method further comprises: Sending a query request to the digital currency management platform; the query request carries the system identifier of the acquiring system; Receiving the associated configuration information including the system identifier returned by the digital currency management platform; The digital sub-wallet corresponding to the digital sub-wallet identifier in the association configuration information is determined as the designated digital sub-wallet corresponding to the acquiring system.

3. The method according to claim 1, characterized in that: The obtaining of transaction order records includes: When receiving a document scanning request, scan and obtain the transaction document corresponding to the transaction contract; According to the transaction document, scan the QR code of the digital currency wallet of the transaction object to transfer the digital currency of the transaction object to the designated digital sub-wallet; According to the transfer result, the transaction order record is generated.

4. The method according to claim 1 or 3, characterized in that: The transaction order record includes the contract identifier corresponding to the transaction contract information based on which the transfer is made; After obtaining the transaction order record, the method further includes: A notification carrying the contract identifier is pushed to the regulatory business system, instructing the regulatory business system to record the transaction contract information for account reconciliation.

5. The method according to claim 1, characterized in that The designated digital sub-wallet is one of the digital sub-wallets set up by the customer under the digital mother wallet set up in the bank; There is no digital currency transfer relationship between the designated digital sub-wallet and other digital sub-wallets under the digital mother wallet; The designated digital sub-wallet is used for transferring digital currency under the customer's designated transaction business.

6. The method according to claim 1, characterized in that The acquiring system includes at least one POS terminal device; At least one POS terminal device is connected to the designated sub-wallet via an interface.

7. A reconciliation processing device, characterized in that: Applied to acquiring systems, including: An acquisition module is used to acquire a transaction order record; the transaction order record is an order record generated when the digital currency of the transaction object is transferred to a designated digital sub-wallet corresponding to the acquiring system; A first processing module is used to transfer digital currency from the designated digital sub-wallet to the supervision account corresponding to the designated digital sub-wallet according to the transaction order record when a designated time point is reached, and obtain a transfer flow; A second processing module is used to add the serial number of the transfer order to the transaction order record to obtain a processed transaction order record; The push module is used to push the processed transaction order record to the regulatory business system and instruct the regulatory business system to perform reconciliation processing.

8. The device according to claim 7, characterized in that The device also includes: a scanning processing module, a receiving module and a determining module; A scanning processing module, used to send a query request to the digital currency management platform; the query request carries the system identifier of the acquiring system; The receiving module is used to receive the associated configuration information including the system identifier returned by the digital currency management platform; The determination module is used to determine the digital sub-wallet corresponding to the digital sub-wallet identifier in the association configuration information as the designated digital sub-wallet corresponding to the acquiring system.

9. The device according to claim 7, characterized in that The acquisition module is specifically used for: When receiving a document scanning request, scan and obtain the transaction document corresponding to the transaction contract; According to the transaction document, scan the QR code of the digital currency wallet of the transaction object to transfer the digital currency of the transaction object to the designated digital sub-wallet; According to the transfer result, the transaction order record is generated.

10. The device according to claim 7 or 9, characterized in that The transaction order record includes a contract identifier corresponding to the transaction contract information based on which the transfer is made; the push module is also used to: A notification carrying the contract identifier is pushed to the regulatory business system, instructing the regulatory business system to record the transaction contract information for account reconciliation.

11. The device according to claim 7, characterized in that The designated digital sub-wallet is one of the digital sub-wallets set up by the customer under the digital mother wallet set up in the bank; There is no digital currency transfer relationship between the designated digital sub-wallet and other digital sub-wallets under the digital mother wallet; The designated digital sub-wallet is used for transferring digital currency under the customer's designated transaction business.

12. The device according to claim 7, characterized in that The acquiring system includes at least one POS terminal device; At least one POS terminal device is connected to the designated sub-wallet via an interface.

13. An electronic device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the reconciliation processing method according to any one of claims 1 to 6.

14. A storage medium, when instructions in the storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the account reconciliation processing method according to any one of claims 1 to 6.

15. A computer program product, characterized in that It comprises a computer program, which, when executed by a processor of an electronic device, enables the electronic device to execute the reconciliation processing method as described in any one of claims 1 to 6.

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