Accounting processing method and device, electronic equipment and storage medium

Abstract

The present disclosure relates to a reconciliation processing method and device, electronic equipment and storage medium, belonging to the technical field of financial information services, wherein the method comprises: a collection system, obtaining a transaction order record; the transaction order record is the order record generated when the digital currency of the transaction object is transferred to the specified digital sub-wallet corresponding to the collection system; at the arrival of the specified time point, the digital currency is transferred from the specified digital sub-wallet to the supervision account corresponding to the specified digital sub-wallet according to the transaction order record, and the transfer flow is obtained; the transaction order record with the flow number of the transfer flow is pushed to the supervision business system, and the supervision business system is instructed to perform reconciliation processing, wherein based on the characteristics of the digital currency, the identity information of the owner of the digital currency can be recorded, which is convenient for tracking and supervision; and the pushed processed transaction order record, so that the supervision business system can automatically perform reconciliation processing without decomposition, the reconciliation cost is low, and the reconciliation efficiency is high.

Description

Technical Field

[0001] This disclosure relates to the field of financial information service technology, and in particular to a reconciliation processing method, apparatus, electronic device and storage medium. Background Technology

[0002] Currently, reconciliation methods involve businesses collecting designated payments, such as down payments for housing, from recipients via QR code scanning or bank card swiping. These funds are then transferred from a designated account to a escrow account for oversight and reconciliation. However, this approach suffers from lax oversight before the funds are transferred to the escrow account, potentially leading to unauthorized transfers to other accounts and posing regulatory risks. Furthermore, the escrow account relies solely on aggregated transaction records from designated accounts, hindering automated reconciliation and requiring manual breakdown for analysis, resulting in high costs and low efficiency. Summary of the Invention

[0003] This disclosure provides a reconciliation processing method, apparatus, electronic device, and storage medium to at least solve the problems of high reconciliation processing costs and poor packaging efficiency in related technologies. The technical solution of this disclosure is as follows:

[0004] According to a first aspect of the present disclosure, a reconciliation processing method is provided, applied to an acquiring system, comprising: acquiring transaction order records; the transaction order records being order records generated when digital currency of a transaction object is transferred to a designated digital sub-wallet corresponding to the acquiring system; at a designated time point, according to the transaction order records, transferring digital currency from the designated digital sub-wallet to a regulatory account corresponding to the designated digital sub-wallet, obtaining a transfer flow; adding a flow number of the transfer flow to the transaction order records, obtaining a processed transaction order record; and pushing the processed transaction order record to a regulatory business system, instructing the regulatory business system to perform reconciliation processing.

[0005] According to a second aspect of the present disclosure, a reconciliation processing apparatus is provided, applied to an acquiring system, comprising: an acquisition module, configured to acquire transaction order records; the transaction order records being order records generated when digital currency of a transaction object is transferred to a designated digital sub-wallet corresponding to the acquiring system; a first processing module, configured to, at a designated time point, transfer digital currency from the designated digital sub-wallet to a regulatory account corresponding to the designated digital sub-wallet according to the transaction order records, thereby obtaining a transfer flow record; a second processing module, configured to add a flow number of the transfer flow record to the transaction order records, thereby obtaining a processed transaction order record; and a push module, configured to push the processed transaction order record to a regulatory business system, instructing the regulatory business system to perform reconciliation processing.

[0006] According to a third aspect of the present disclosure, an electronic device is provided, comprising: a processor; and a memory for storing processor-executable instructions; 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 the present disclosure, a storage medium is provided that, when instructions in the storage medium are executed by a processor of an electronic device, enables the electronic device to perform the reconciliation processing method as described above.

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

[0009] The technical solutions provided by the embodiments of this disclosure have at least the following beneficial effects:

[0010] The acquiring system acquires transaction order records, which are generated when digital currency is transferred from a transaction object to a designated digital sub-wallet corresponding to the acquiring system. At a specified time, according to the transaction order record, digital currency is transferred from the designated digital sub-wallet to the corresponding regulatory account, resulting in a transfer flow. A transaction number is added to the transaction order record to obtain the processed transaction order record. This processed transaction order record is then pushed to the regulatory business system, instructing it to perform reconciliation. Based on the characteristics of digital currency, the system can record the identity information of the owner of the digital currency, facilitating tracking and supervision. Furthermore, the push of the processed transaction order record allows the regulatory business system to automatically perform reconciliation without requiring further analysis, resulting in low reconciliation costs and high efficiency.

[0011] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and are not intended to limit this disclosure. Attached Figure Description

[0012] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this disclosure and, together with the description, serve to explain the principles of this disclosure, and are not intended to unduly limit this disclosure.

[0013] Figure 1 This is a flowchart illustrating a reconciliation processing method according to the first embodiment of this disclosure;

[0014] Figure 2 This is a diagram illustrating the digital master wallet and digital sub-wallets set up by a bank for developer company A.

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

[0016] Figure 4 This is a flowchart illustrating a reconciliation processing method according to a second embodiment of the present disclosure;

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

[0018] Figure 6 This is a block diagram of an electronic device that performs the reconciliation process. Detailed Implementation

[0019] To enable those skilled in the art to better understand the technical solutions of this disclosure, the technical solutions in the embodiments of this disclosure will be clearly and completely described below with reference to the accompanying drawings.

[0020] The acquisition, storage, use, and processing of data in the technical solution of this application all comply with the relevant provisions of national laws and regulations.

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

[0022] Currently, reconciliation methods involve businesses collecting designated payments, such as down payments for housing, from recipients via QR code scanning or bank card swiping. These funds are then transferred from a designated account to a escrow account for oversight and reconciliation. However, this approach suffers from lax oversight before the funds are transferred to the escrow account, potentially leading to unauthorized transfers to other accounts and posing regulatory risks. Furthermore, the escrow account relies solely on aggregated transaction records from designated accounts, hindering automated reconciliation and requiring manual breakdown for analysis, resulting in high costs and low efficiency.

[0023] To address the issues of high reconciliation costs and low efficiency in related technologies, this disclosure proposes a reconciliation processing method. The acquiring system acquires transaction order records, which are generated when digital currency is transferred from a transaction object to a designated digital sub-wallet corresponding to the acquiring system. At a specified time, according to the transaction order record, digital currency is transferred from the designated digital sub-wallet to the corresponding regulatory account, resulting in a transfer flow record. A transaction number is added to the transaction order record to obtain a processed transaction order record. The processed transaction order record is then pushed to the regulatory business system, instructing it to perform reconciliation processing. Based on the characteristics of digital currency, the method records the identity information of the owner of the digital currency, facilitating tracking and supervision. Furthermore, the push of the processed transaction order record allows the regulatory business system to automatically perform reconciliation without requiring further analysis, resulting in low reconciliation costs and high efficiency.

[0024] Figure 1 This is a flowchart illustrating a reconciliation processing method according to the first embodiment of this disclosure, applied to an acquiring system, such as... Figure 1 As shown, it includes the following steps.

[0025] In step 101, the transaction order record is obtained; 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.

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

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

[0028] Digital currency (DC) is an alternative form of electronic money.

[0029] A digital sub-wallet is a storage medium for digital currency. The digital currency in a transaction can refer to the digital currency within the transaction object's digital sub-wallet. Transfer refers to transferring digital currency from the transaction object's digital sub-wallet to a designated digital sub-wallet corresponding to the acquiring system. Digital currency typically displays information about the historical owners and the current owners. Therefore, a digital currency transfer can refer to adding a new label to the digital currency, that is, labeling it with the name of the designated digital sub-wallet.

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

[0031] In this embodiment of the disclosure, before step 101, the acquiring system needs to determine which corresponding designated digital sub-wallet is being used. Accordingly, before step 101, the acquiring system may perform the following process: sending a query request to the digital currency management platform; the query request carrying the acquiring system's system identifier; receiving association configuration information including the system identifier returned by the digital currency management platform; and determining 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.

[0032] The digital currency management platform manages the correspondence between various designated digital sub-wallets and acquiring systems. The platform can configure acquiring systems for designated digital sub-wallets by associating configuration information to determine the corresponding acquiring system. Acquiring systems can also query and obtain association configuration information, including their own system identifier, to determine the designated digital sub-wallet corresponding to that acquiring system.

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

[0034] Each bank can establish a controlled digital wallet management platform. Within this platform, each customer can have only one master digital wallet, under which multiple sub-wallets can be set up for managing different funds. Examples of sub-wallets under the master wallet include pre-sale housing payment sub-wallets and expropriation compensation payment sub-wallets. In this embodiment, a specific sub-wallet is designated, such as a pre-sale housing payment wallet.

[0035] like Figure 2 The image shows a diagram illustrating a digital master wallet and digital sub-wallets set up by a bank for developer A. Figure 2 In this case, developer A has a balance of 8 million in a digital currency master wallet held by a certain bank, of which 4 million is frozen. This master wallet contains sub-wallets for pre-sale housing payments, expropriation compensation payments, and other sub-wallets. Specifically, the pre-sale housing payment sub-wallet has a balance of 4 million, with collection account 001; the expropriation compensation sub-wallet has a balance of 3 million; and the other sub-wallets have a balance of 1 million. The collection account refers to the regulatory account corresponding to the pre-sale housing payment sub-wallet. The balance in the pre-sale housing payment sub-wallet is frozen; the sum of the amounts in all sub-wallets represents the amount in the master digital currency wallet.

[0036] The provision that "there is no cryptocurrency transfer relationship between the designated digital sub-wallet and other digital sub-wallets under the same digital parent wallet" means that cryptocurrency transfers are not allowed between multiple digital sub-wallets under the same digital parent wallet. This is to prevent the private transfer of funds from digital sub-wallets to other accounts and to avoid regulatory risks.

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

[0038] In this embodiment of the disclosure, a specified time point is used, such as a collection time point. The collection time point can be a fixed time point each day, such as 24:00.

[0039] In this embodiment of the disclosure, the process of the acquiring system executing step 102 can be, for example, that at a specified time point, the acquiring system initiates a sub-wallet aggregation operation through the interface with the specified digital sub-wallet, transferring all the digital currency in the specified digital sub-wallet to the corresponding regulatory account. The regulatory account is a bank regulatory account located in the bank's core system.

[0040] The acquiring system, based on transaction order records, transfers digital currency from a designated digital sub-wallet to the corresponding regulatory account. The resulting transfer details may include: transaction number, transfer amount, balance, transaction type, transaction time, and recipient account. The recipient account is the regulatory account number; the transaction type is a deposit.

[0041] like Figure 3 The image shown is a schematic diagram illustrating the transfer of funds through a designated digital sub-wallet of company A within a bank. Figure 3(1) Before the transfer (before the collection), developer A had a balance of RMB 800,000 in a digital currency master wallet of a certain bank, of which RMB 400,000 was frozen. The digital currency master wallet had sub-wallets for pre-sale housing payments, sub-wallets for expropriation compensation payments, and other sub-wallets. Among them, the pre-sale housing payment sub-wallet had a balance of RMB 400,000, and the collection account was 001; the expropriation compensation payment sub-wallet had a balance of RMB 300,000; and the other sub-wallets had a balance of RMB 100,000. At this time, developer A's bank supervision account had a balance of RMB 0, and the account number was 001. (2) After the transfer (after the collection), developer A had a balance of RMB 400,000 in a digital currency master wallet of a certain bank, of which RMB 0 was frozen. Among them, the pre-sale housing payment sub-wallet had a balance of RMB 0, and the collection account was 001; the expropriation compensation payment sub-wallet had a balance of RMB 300,000; and the other sub-wallets had a balance of RMB 100,000. At this time, developer A's bank supervision account had a balance of RMB 400,000, and the account number was 001.

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

[0043] Adding a transaction number to the transaction order record allows the acquiring system or regulatory system to understand the amount in the transfer and the transactions involved. This facilitates the breakdown of the amount in the transfer by combining the transaction order records of each transaction involved, enabling reconciliation and avoiding manual breakdown for reconciliation, thus reducing reconciliation costs and improving reconciliation efficiency.

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

[0045] In this embodiment of the disclosure, the processed transaction order record may include the following information: contract identifier, order identifier, transaction amount, transaction object identifier, transaction time, receiving account, and transaction serial number of the transfer flow. Upon receiving the processed transaction order record, the regulatory business system can retrieve the transfer flow record based on the transaction serial number; and by combining multiple processed transaction order records, it can perform amount verification to achieve reconciliation.

[0046] In summary, the acquiring system acquires transaction order records; these records are generated when digital currency is transferred from a transaction object to a designated digital sub-wallet corresponding to the acquiring system. At a specified time, according to the transaction order record, digital currency is transferred from the designated digital sub-wallet to the corresponding regulatory account, resulting in a transfer flow. A transaction number is added to the transaction order record to obtain the processed transaction order record. This processed transaction order record is then pushed to the regulatory business system, instructing it to perform reconciliation. Based on the characteristics of digital currency, the system can record the identity information of the owner, facilitating tracking and supervision. Furthermore, the push of the processed transaction order record allows the regulatory business system to automatically perform reconciliation without requiring further analysis, resulting in low reconciliation costs and high efficiency.

[0047] Figure 4 This is a flowchart illustrating a reconciliation processing method according to a second embodiment of this disclosure, applied to an acquiring system, such as... Figure 4 As shown, it includes the following steps.

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

[0049] In this disclosed embodiment, the transaction contract includes, for example, a shopping contract or an insurance contract. The shopping contract includes, for example, a house purchase contract or a car purchase contract, etc., without specific limitations. The transaction document is the payment document corresponding to the transaction contract. Taking a house purchase contract as an example, the transaction document is the house purchase payment document.

[0050] In this embodiment of the disclosure, when an object selects or clicks a document scanning control or button in the acquiring system, the acquiring system determines that it has received a document scanning request, then opens the scanner, and scans a designated area around the acquiring system to obtain the transaction documents corresponding to the transaction contract.

[0051] After the scanner is turned on, it can also prompt the recipient to place the paper document to be scanned in a designated area around the acquiring system via voice prompts, making scanning easier.

[0052] In step 402, according to the transaction order, 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 this embodiment of the disclosure, after the acquiring system obtains the transaction order, it can open the scanner when it detects the selection or click operation of the wallet QR code scanning control or button, or actively open the scanner to scan a designated area around the acquiring system, so as to transfer the digital currency of the transaction object to the designated digital sub-wallet.

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

[0055] In this embodiment of the disclosure, the transaction order record may include the following information: contract identifier, order identifier, transaction amount, transaction object identifier, transaction time, and receiving account. The process of the acquiring system transferring digital currency may, for example, involve determining the transaction amount according to the transaction document; scanning the digital currency wallet QR code of the transaction object; and transferring digital currency from the digital currency wallet according to the transaction amount. Specifically, this involves adding the enterprise identity information corresponding to the receiving account to the digital currency in the wallet with the transaction amount to update the owner of the digital currency with that transaction amount, thereby transferring the digital currency to a designated digital sub-wallet.

[0056] In this embodiment of the disclosure, in order to facilitate further reconciliation by the regulatory business system, 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 on which the transfer is based, after step 403, the acquiring system may also perform the following process: push a notification carrying the contract identifier to the regulatory business system, instructing the regulatory business system to perform accounting and filing processing on the transaction contract information for reconciliation processing.

[0057] Upon receiving a notification carrying a contract identifier, the regulatory business system can record and file the transaction contract information corresponding to the contract identifier. After receiving multiple processed transaction order records, the system can compare the processed transaction order records with the corresponding transaction contract information to determine the authenticity and accuracy of the processed transaction order records, thereby further improving the efficiency of reconciliation.

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

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

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

[0061] It should be noted that for detailed explanations of steps 404 to 406, please refer to [link / reference needed]. Figure 1 The detailed descriptions of steps 102 to 104 in the embodiments are not repeated here.

[0062] In summary, the acquiring system, upon receiving a document scanning request, scans the document corresponding to the transaction contract to be traded; based on the document, it scans the digital currency wallet QR code of the trading object to transfer the digital currency to a designated digital sub-wallet; based on the transfer result, it generates a transaction order record; at a designated time point, based on the transaction order record, it transfers the digital currency from the designated digital sub-wallet to the corresponding regulatory account, obtaining a transfer flow record; it adds a transaction number of the transfer flow record to the transaction order record, obtaining a processed transaction order record; and it pushes the processed transaction order record to the regulatory business system, instructing the regulatory business system to perform reconciliation processing. Based on the characteristics of digital currency, it can record the identity information of the owner of the digital currency, facilitating tracking and supervision; and the push of the processed transaction order record allows the regulatory business system to automatically perform reconciliation without decomposition, resulting in low reconciliation costs and high reconciliation efficiency.

[0063] To implement the above embodiments, this disclosure proposes an account reconciliation processing device.

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

[0065] The system includes: an acquisition module 510 for acquiring transaction order records, which are order records generated when digital currency from a transaction object is transferred to a designated digital sub-wallet corresponding to the acquiring system; a first processing module 520 for transferring digital currency from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet according to the transaction order records at a specified time point, thereby obtaining a transfer flow record; a second processing module 530 for adding the transfer flow record's serial number to the transaction order records, thereby obtaining a processed transaction order record; and a push module 540 for pushing the processed transaction order record to the regulatory business system, instructing the regulatory business system to perform reconciliation processing.

[0066] As one possible implementation of this disclosure, the apparatus further 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 one possible implementation of this disclosure, the acquisition module 510 is specifically used to: scan and acquire the transaction document corresponding to the transaction contract when a document scanning request is received; scan the digital currency wallet QR code of the transaction object according to the transaction document 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 one possible implementation of this disclosure, the transaction order record includes a contract identifier corresponding to the transaction contract information on which the transfer is based; the push module 540 is further configured to push a notification carrying the contract identifier to the regulatory business system, instructing the regulatory business system to perform accounting and filing processing on the transaction contract information for reconciliation processing.

[0069] As one possible implementation of this disclosure, the designated digital sub-wallet is one of the digital sub-wallets set up by the customer under the digital parent 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 parent wallet; the designated digital sub-wallet is used for digital currency transfer under the customer's designated transaction business.

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

[0071] In summary, the acquiring system acquires transaction order records; these records are generated when digital currency is transferred from a transaction object to a designated digital sub-wallet corresponding to the acquiring system. At a specified time, according to the transaction order record, digital currency is transferred from the designated digital sub-wallet to the corresponding regulatory account, resulting in a transfer flow. A transaction number is added to the transaction order record to obtain the processed transaction order record. This processed transaction order record is then pushed to the regulatory business system, instructing it to perform reconciliation. Based on the characteristics of digital currency, the system can record the identity information of the owner, facilitating tracking and supervision. Furthermore, the push of the processed transaction order record allows the regulatory business system to automatically perform reconciliation without requiring further analysis, resulting in low reconciliation costs and high efficiency.

[0072] Figure 6 This is a block diagram of an electronic device that performs the reconciliation process.

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

[0074] The memory 610 and the processor 620 are connected by a bus 630, which connects the different components (including the memory 610 and the processor 620). The memory 610 stores a computer program, which, when executed by the processor 620, implements the reconciliation processing method described in this embodiment of the disclosure.

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

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

[0077] 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. Electronic device 600 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, storage system 660 can be used to read and write non-removable, non-volatile magnetic media (… Figure 6Not shown; usually referred to as 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, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 630 via one or more data media interfaces. Memory 610 may include at least one program product having a set (e.g., at least one) of program modules configured to perform the functions of the embodiments of this disclosure.

[0078] A program / utility 680 having a set (at least one) of program modules 670 may be stored in, for example, memory 610. Such program modules 670 include—but are not limited to—an operating system, one or more application programs, other program modules, and program data. Each or some combination of these examples may include an implementation of a network environment. Program modules 670 typically perform the functions and / or methods described in the embodiments of this disclosure.

[0079] Electronic device 600 can also communicate with one or more external devices 690 (e.g., keyboard, pointing device, display 691, etc.), and with one or more devices that enable a user to interact with the electronic device 600, and / or with any device that enables the electronic device 600 to communicate with one or more other computing devices (e.g., network card, modem, etc.). This communication can be performed through input / output (I / O) interface 692. Furthermore, electronic device 600 can also communicate with one or more networks (e.g., local area network (LAN), wide area network (WAN), and / or public networks, such as the Internet) through network adapter 693. Figure 6 As shown, network adapter 693 communicates with other modules of electronic device 600 via bus 630. It should be understood that, although... Figure 6 As 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 programs stored in the memory 610.

[0081] It should be noted that the implementation process and technical principles of the electronic device in this embodiment are explained in the foregoing description of the reconciliation processing method of this disclosure embodiment, and will not be repeated here.

[0082] The electronic device provided in this embodiment can execute the reconciliation processing method described above. The acquiring system obtains transaction order records; these transaction order records are order records generated when digital currency from a transaction object is transferred to a designated digital sub-wallet corresponding to the acquiring system; at a designated time point, according to the transaction order records, digital currency is transferred from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet, obtaining a transfer flow; a flow number of the transfer flow is added to the transaction order records to obtain the processed transaction order records; the processed transaction order records are pushed to the regulatory business system, instructing the regulatory business system to perform reconciliation processing. Based on the characteristics of digital currency, the identity information of the owner of the digital currency can be recorded, facilitating tracking and supervision; and the push of the processed transaction order records allows the regulatory business system to automatically perform reconciliation processing without decomposition, resulting in low reconciliation costs and high reconciliation efficiency.

[0083] To implement the above embodiments, this 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 is able to perform the reconciliation processing method as described above.

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

[0086] Other embodiments of this disclosure will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of this disclosure that follow the general principles of this disclosure and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this disclosure are indicated by the following claims.

[0087] It should be understood that this disclosure is not limited to the precise structures described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this disclosure is limited only by the appended claims.

Claims

1. A reconciliation processing method, characterized in that, Applied to acquiring systems, including: The system retrieves transaction order records; these records are generated when digital currency from a transaction object is transferred to a designated digital sub-wallet in the acquiring system; the transaction order records include a contract identifier corresponding to the transaction contract information used for the transfer; the designated digital sub-wallet is one of the digital sub-wallets set up by the customer under the digital parent wallet in the bank; there is no digital currency transfer relationship between the designated digital sub-wallet and other digital sub-wallets under the digital parent wallet; the designated digital sub-wallet is used for digital currency transfers under the customer's designated transaction business. When the designated time point is reached, according to the transaction order record, digital currency is transferred from the designated digital sub-wallet to the regulatory account corresponding to the designated digital sub-wallet, and the transfer flow is obtained; Add the transfer transaction number to the transaction order record to obtain the processed transaction order record; The processed transaction order record and the notification carrying the contract identifier are pushed to the regulatory business system; wherein, the processed transaction order record instructs the regulatory business system to perform reconciliation processing; the notification carrying the contract identifier instructs the regulatory business system to perform accounting and filing processing of the transaction contract information for reconciliation processing.

2. The method according to claim 1, characterized in that, The method further includes: Send a query request to the digital currency management platform; the query request carries the system identifier of the acquiring system; Receive 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 associated 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 acquisition of transaction order records includes: Upon receiving a document scanning request, scan and retrieve the transaction documents corresponding to the transaction contract. According to the transaction order, 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; Based on the transfer results, the transaction order record is generated.

4. 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.

5. A reconciliation processing device, characterized in that, Applied to acquiring systems, including: The acquisition module is used to acquire 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; the transaction order records include the contract identifier corresponding to the transaction contract information on which the transfer is based; the designated digital sub-wallet is one of the digital sub-wallets set up by the customer under the digital parent 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 parent wallet; the designated digital sub-wallet is used for digital currency transfer under the customer's designated transaction business; The first processing module is used to transfer 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 is used to add the transfer transaction number to the transaction order record to obtain the processed transaction order record; The push module is used to push the processed transaction order record and the notification carrying the contract identifier to the regulatory business system; wherein, the processed transaction order record instructs the regulatory business system to perform reconciliation processing; the notification carrying the contract identifier instructs the regulatory business system to perform accounting and filing processing on the transaction contract information for reconciliation processing.

6. The apparatus according to claim 5, characterized in that, The device further 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.

7. The apparatus according to claim 5, characterized in that, The acquisition module is specifically used for, Upon receiving a document scanning request, scan and retrieve the transaction documents corresponding to the transaction contract. According to the transaction order, 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; Based on the transfer results, the transaction order record is generated.

8. The apparatus according to claim 5, 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.

9. An electronic device, characterized in that, include: processor; Memory used to store the processor's executable instructions; The processor is configured to execute the instructions to implement the reconciliation processing method as described in any one of claims 1-4.

10. A storage medium, wherein when instructions in the storage medium are executed by a processor of an electronic device, the electronic device is enabled to perform the reconciliation processing method as described in any one of claims 1-4.

11. A computer program product, characterized in that, The device includes a computer program that, when executed by the processor of an electronic device, enables the electronic device to perform the reconciliation processing method as described in any one of claims 1-4.

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