Transaction data cancel-after-verification method and device, electronic equipment and storage medium

Abstract

The invention discloses a transaction data cancel-after-verification method and device, electronic equipment and a storage medium. The method comprises the steps that a process engine is constructed, the process engine comprises a process propelling table and a node state table, the process propelling table comprises a plurality of cancel-after-verification processing links of transaction data, and the node state table is used for recording the processing state of each cancel-after-verification processing link; for each piece of to-be-cancelled-after-verification transaction data, sequentially performing propelling processing based on a plurality of cancelled-after-verification processing links corresponding to the to-be-cancelled-after-verification transaction data in the process propelling table to obtain a processing result; and in the process of the propulsion processing, if the cancel-after-verification processing link has an exception, determining an exception processing mechanism based on the exception type of the exception, and processing the exception based on the exception processing mechanism and the processing state of the cancel-after-verification processing link. According to the invention, transaction data can be automatically and accurately cancelled after verification, so that the clearing efficiency is improved.

Description

Technical Field

[0001] The present invention relates to the field of data processing, and in particular to a transaction data write-off method, device, electronic device and storage medium. Background Art

[0002] With the development of society, business transactions between financial institutions need to be carried out through fund settlement. However, there are many steps in the fund settlement process that require human participation. Not only is the settlement speed slow and labor costs high, but it is also prone to errors, resulting in low fund settlement efficiency.

[0003] Currently, existing technologies are unable to achieve automatic and accurate write-off of transaction data, resulting in low improvement in clearing efficiency. Summary of the invention

[0004] The present invention provides a transaction data write-off method, device, electronic device and storage medium to achieve automatic and accurate write-off of transaction data to improve clearing efficiency.

[0005] According to one aspect of the present invention, a transaction data write-off method is provided, which is applied to a background system and includes:

[0006] Constructing a process engine, the process engine including a process advancement table and a node status table, the process advancement table including multiple write-off processing links of each transaction data, and the node status table for recording the processing status of each write-off processing link;

[0007] For each transaction data to be written off, multiple write-off processing links corresponding to the transaction data to be written off in the process advancement table are sequentially advanced to obtain a processing result;

[0008] During the advancement process, if there is an exception in the write-off processing link, an exception handling mechanism is determined based on the exception type of the exception, and the exception is handled based on the exception handling mechanism and the processing status of the write-off processing link.

[0009] According to another aspect of the present invention, there is provided a transaction data cancellation device, which is applied to a background system and includes:

[0010] A process engine construction module, used to construct a process engine, the process engine includes a process advancement table and a node status table, the process advancement table includes multiple write-off processing links of each transaction data, and the node status table is used to record the processing status of each write-off processing link;

[0011] A write-off process advancement processing module is used to sequentially advance the processing of each transaction data to be written off based on a plurality of write-off processing links corresponding to the transaction data to be written off in the process advancement table to obtain a processing result;

[0012] The exception handling module is used to determine the exception handling mechanism based on the exception type if there is an exception in the write-off processing link during the advancement process, and handle the exception based on the exception handling mechanism and the processing status of the write-off processing link.

[0013] According to another aspect of the present invention, there is provided an electronic device, the electronic device comprising:

[0014] at least one processor; and

[0015] a memory communicatively connected to the at least one processor; wherein,

[0016] The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the transaction data cancellation method described in any embodiment of the present invention.

[0017] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the transaction data cancellation method described in any embodiment of the present invention when executed.

[0018] The technical solution of the embodiment of the present invention is to construct a process engine, the process engine includes a process advancement table and a node status table, the process advancement table includes multiple write-off processing links of each transaction data, and the node status table is used to record the processing status of each write-off processing link; for each transaction data to be written off, the multiple write-off processing links corresponding to the transaction data to be written off in the process advancement table are sequentially advanced to obtain the processing result; the automatic write-off of the transaction data can be realized. In addition, in the process of advancing the processing, if there is an abnormality in the write-off processing link, the abnormality handling mechanism is determined based on the abnormality type of the abnormality, and the abnormality is handled based on the abnormality handling mechanism and the processing status of the write-off processing link, so that the abnormality can be handled in time, the accuracy of the transaction data write-off is improved, and thus the settlement efficiency is improved.

[0019] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0021] Figure 1 This is a flow chart of a transaction data write-off method provided in Embodiment 1 of the present invention;

[0022] Figure 2 It is a schematic diagram of the execution process of the breakpoint rejection mechanism provided in the first embodiment of the present invention;

[0023] Figure 3 It is a structural schematic diagram of a transaction data cancellation device provided in Embodiment 2 of the present invention;

[0024] Figure 4 It is a structural schematic diagram of an electronic device provided in Embodiment 3 of the present invention. DETAILED DESCRIPTION

[0025] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0026] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention 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 invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0027] The acquisition, storage and / or processing of data in the technical solutions involved in this application comply with the relevant provisions of national laws and regulations.

[0028] Embodiment 1

[0029] Figure 1This is a flow chart of a transaction data write-off method provided in the first embodiment of the present invention. This embodiment is applicable to the case of automatically writing off transaction data between financial institutions. The method can be executed by a transaction data write-off device. The transaction data write-off device can be implemented in the form of hardware and / or software. The transaction data write-off device can be configured in an electronic device where the background system is located. Figure 1 As shown, the method includes:

[0030] S110, constructing a process engine, wherein the process engine includes a process advancement table and a node status table, wherein the process advancement table includes multiple write-off processing links of each transaction data, and the node status table is used to record the processing status of each write-off processing link.

[0031] The process engine supports flexible configuration of each write-off processing link as needed, and supports dynamic management of each node status. Specifically, the process engine includes a process advancement table and a node status table.

[0032] In an embodiment of the present invention, by defining a data model for a process advancement table, the write-off processing link in which the transaction data to be written off is located during the process advancement, as well as the subsequent link of the current write-off processing link are saved. The relationship between the previous and subsequent links of different processes is distinguished according to the transaction code of the business type of the transaction data to be written off, so as to realize the automatic flow of the transaction process. Among them, the write-off processing link includes but is not limited to the access authorization link, the clearing link, the clearing and write-off link, the accounting link, the result notification link, etc. The field content of each write-off processing link includes: 1. Transaction code: Each business type has a different transaction code to distinguish the processes of different businesses; 2. Current link: Use a data dictionary to identify different links, such as AUTH-access authorization, CLER-clearing, WRTD-clearing and write-off, ACCT-accounting, NOTI-result notification, SUCCE-completed, etc., which can be expanded to support more links; 3. Current link status: define the current link The status includes: PASS-released (automatic processing), HOLD-pending release (manual processing required), and the default is PASS automatic processing; 4. Operation type: COMMIT-forward submission and REJECT-reverse reversal; 5. Next link: used to configure the subsequent link of the current link, that is, the current process will be pushed to the next link after processing, and the data dictionary is the same as the current link; 6. Next link status: used to indicate what state the process should be advanced to in the next link, and the data dictionary is the same as the current link status; 7. Processing component: defines the node processing component called by each link. For example, take Table 1 as an example:

[0033] Table 1

[0034] In an embodiment of the present invention, by defining a data model of a node status table, the status of each processing node in the process of process advancement is saved. The processing status of each write-off processing link can be independently stored in the form of a vertical table. Specifically, the field content corresponding to each write-off processing link in the node status table includes: 1. Transaction number: a unique identifier for each business sub-category transaction; 2. Node identifier: used to identify the processing nodes included in the current transaction, such as CLER-clearing, WRTD-clearing write-off, ACCT-accounting, etc.; 3. Node processing status: The processing nodes of each link can define their own unique status. For example, the node processing status of the clearing link includes 00-clearing completed, 01-clearing instruction generated, and 02-clearing instruction sent; the node processing status of the accounting link includes 00-accounting entries uploaded and 01-accounting entries generated. Exemplary, take Table 2 as an example:

[0035] Table 2

[0036]

[0037] S120. For each transaction data to be written off, multiple writing-off processing links corresponding to the transaction data to be written off in the process advancement table are sequentially advanced to obtain a processing result.

[0038] Among them, the transaction data to be written off refers to the transaction data related to the transaction to be written off. In the embodiment of the present invention, for each transaction data to be written off, the corresponding writing-off processing link of the transaction data to be written off can be queried in the process advancement table according to the transaction code of the transaction data to be written off. Further, the writing-off processing links are executed in sequence according to the processing order of each writing-off processing link, so as to realize the writing-off processing of the transaction accessed from the middle office system until the transaction processing is completed, and the processing result is fed back to the middle office system for full-process closed-loop automatic processing, thereby reducing manual intervention and improving the efficiency of liquidation and writing-off.

[0039] On the basis of the above embodiment, optionally, the multiple cancellation processing links corresponding to the transaction data to be cancelled in the process advancement table are sequentially advanced, including: when the cancellation processing link is an access authorization link, the transaction elements of the transaction data to be cancelled are checked. If the check fails, access failure is returned to the middle office system.

[0040] In the embodiment of the present invention, for any transaction data to be written off, it is necessary to first connect the transaction data to be written off to the backend system. When the writing-off processing link is the access authorization link, the transaction elements in the transaction data are checked. If the verification is passed, the next writing-off processing link is promoted. If the verification fails, the access failure is returned to the middle-office system. Among them, the transaction elements include but are not limited to the information of the two parties to the transaction, the transaction amount, the transaction time, the remittance information, etc., which are not limited here.

[0041] On the basis of the above embodiment, optionally, the transaction elements include remittance information; the verification of the transaction elements of the transaction data to be written off includes: when the transaction data to be written off lacks the remittance information, querying the remittance information of the transaction data to be written off in the remittance library based on the decision tree, if the query is successful, filling in the remittance information and advancing to the next write-off processing link; when the transaction data to be written off includes the remittance information, matching is performed in the remittance library based on the decision tree, if the remittance information is consistent with the remittance information in the remittance library, advancing to the next write-off processing link; wherein, the remittance library is established based on business type, clearing channel and transaction object information.

[0042] In the embodiment of the present invention, the verification of the remittance information is divided into two situations. First, when the accessed transaction data to be written off lacks the remittance information for clearing, the decision tree is used to query from the remittance library. If the query fails, the access failure is returned; if the query is successful, the remittance is automatically filled in and the next verification processing link is promoted, thereby improving the success rate of automatic clearing. Second, when the accessed transaction data to be written off includes the remittance information for fund clearing, the decision tree is used to query from the remittance library. If the query is successful, it is verified whether the accessed remittance is consistent with the remittance information in the remittance library. If the verification is consistent, the next verification processing link is promoted; if the query is unsuccessful or the verification is inconsistent, adaptive learning is performed to dynamically update the remittance information in the remittance library, thereby improving the success rate of fund clearing.

[0043] Based on the above embodiment, optionally, the method includes: if the route information is inconsistent with the route information in the route library, then determining whether there is route information of other business types with the same transaction object as the route information in the route library; if so, and if it exists and is consistent with the route information of the currently accessed business type, then updating the route information of the transaction object based on the route information; if it does not exist or is inconsistent with the route information of the currently accessed business type, then adding a new route information to the route library based on the route information.

[0044] In an embodiment of the present invention, the adaptive learning of the Hulu library is divided into two learning mechanisms: First, determine whether there is Hulu information of other business types for the same transaction object. If it exists and is consistent with the Hulu information of the currently accessed business type, then dynamically update the corresponding business type of the Hulu information of the transaction object of the current business type in the Hulu library to ensure that the next transaction access can be processed normally. Second, determine whether there is Hulu information of other business types for the same transaction object. If it does not exist or is inconsistent with the Hulu information of the currently accessed business type, then dynamically add a new Hulu information to the Hulu library. It should be noted that the newly added Hulu information is in an invalid state in the Hulu library, and the middle-office system needs to call the back-end interface to confirm its effectiveness before it can be officially used, thereby ensuring the correctness of fund settlement.

[0045] On the basis of the above embodiment, optionally, the multiple write-off processing links corresponding to the transaction data to be written off in the process advancement table are sequentially advanced, including: when the write-off processing link is a clearing link, if we are the active payee and payee, a clearing instruction is generated and sent to the clearing system; if we are the passive payee and payee, a write-off account is generated according to the transaction data to be written off, and a clearing instruction from the transaction object sent by the transaction system is received.

[0046] In an embodiment of the present invention, when the write-off processing link is a clearing link, different processing mechanisms are provided for the outgoing and incoming reports of the clearing message. First, in the clearing link, if we are the active payee and payee, a clearing instruction is generated and sent to the clearing system to conduct clearing and write-off with the transaction counterparty. It can be understood that the clearing instruction is an outgoing report at this time. Second, in the clearing link, if we are the passive payee and payee, an account to be written off is generated based on the transaction data to be written off, and the clearing instruction of the transaction counterparty sent by the clearing system is received. It can be understood that the clearing instruction is an incoming report at this time, which is sent by the transaction counterparty to the backend system through the clearing system.

[0047] On the basis of the above embodiment, optionally, the multiple write-off processing links corresponding to the transactions to be written off in the process advancement table are sequentially advanced, including: when the write-off processing link is a clearing and writing-off link, the clearing instruction is identified, and if the clearing instruction is an outgoing report, the clearing and writing-off link is skipped; if the clearing instruction is an incoming report, business information is extracted from the clearing instruction, and elements of the business information and the accounts to be written off are matched, and when the elements match, the transaction data to be written off is written off.

[0048] In the embodiment of the present invention, in the clearing and write-off link, the clearing instruction is identified. If the clearing instruction belongs to a past report, the write-off link can be skipped and the next link processing can be continued. It can be understood that when the clearing instruction is a past report, the clearing and write-off of the transaction data is carried out in the background system of the transaction object, and we do not need to execute it. If the clearing instruction is an incoming report, the natural language processing technology is used to extract the business information in the remark field of the clearing instruction, and the business information and the account to be written off are matched. In the case of element matching, the transaction data to be written off is automatically written off, and the automatic write-off of the incoming report clearing is realized, saving the time of manual write-off, and continuing to the next link processing. Among them, the elements of clearing matching include but are not limited to date, amount, currency, business information in the remark field, counterparty information, etc., which are not limited here.

[0049] S130. During the process of advancing the processing, if there is an exception in the write-off processing link, determine an exception handling mechanism based on the exception type of the exception, and handle the exception based on the exception handling mechanism and the processing status of the write-off processing link.

[0050] Among them, the exception type refers to the type of exception that occurs in the write-off processing link. Specifically, the exception type includes exceptions caused by temporary errors or retryable errors, non-critical exceptions, errors in the previous link or exceptions caused by data, etc. In an embodiment of the present invention, in the process of advancing the processing, if there is an exception in the write-off processing link, the exception handling mechanism is determined based on the exception type of the exception, and the exception is handled based on the exception handling mechanism and the processing status of the write-off processing link. Among them, the exception handling mechanism includes a breakpoint recovery mechanism, a breakpoint skip mechanism and a breakpoint rejection mechanism. The breakpoint recovery mechanism is used to implement the redo of the current write-off processing link. If the redo is successful, it will continue to be pushed to the next link. The breakpoint skip mechanism is used to implement the processing of skipping the current write-off processing link and directly executing the next write-off processing link. The breakpoint rejection mechanism is used to implement the correction processing of all preceding links one by one starting from the abnormal link. Specifically, taking the abnormal link as the result notification link as an example, the execution process of the breakpoint rejection mechanism is as follows: Figure 2As shown, the reversal strategy of each write-off processing link can be determined according to the processing status of each write-off processing link in the node status table, and the reversal process is performed based on the reversal strategy until the reversal link returns to the access authorization link, and the transaction is rejected to the middle office system, and the middle office system is informed of the abnormal reason. After the middle office system receives the rejected transaction, it can re-access the transaction data to be written off after correction processing, wherein the reversal strategy refers to the strategy for reversing the write-off processing link. Exemplarily, when the processing status of the clearing link is that the clearing instruction has been generated, if the clearing instruction is not sent during the reversal process, the reversal strategy of the write-off processing link is to directly delete the clearing instruction. When the processing status of the clearing and write-off link is that the clearing instruction has been sent, the reversal strategy of this link is to initiate a cancellation instruction to the clearing system, and generate an alarm text message at the same time to remind the business to pay attention to possible financial risks.

[0051] The technical solution of this embodiment is to construct a process engine, which includes a process advancement table and a node status table. The process advancement table includes multiple write-off processing links for each transaction data, and the node status table is used to record the processing status of each write-off processing link. For each transaction data to be written off, the multiple write-off processing links corresponding to the transaction data to be written off in the process advancement table are sequentially advanced to obtain the processing result. The automatic write-off of transaction data can be realized. In addition, in the process of advancing the processing, if there is an abnormality in the write-off processing link, the abnormality handling mechanism is determined based on the abnormality type of the abnormality, and the abnormality is handled based on the abnormality handling mechanism and the processing status of the write-off processing link. The abnormality can be handled in time, and the accuracy of the transaction data write-off is improved, thereby improving the settlement efficiency.

[0052] Embodiment 2

[0053] Figure 3 Schematic diagram of the structure of a transaction data cancellation device provided by the second embodiment of the present invention. Figure 3 As shown, the device comprises:

[0054] A process engine construction module 210 is used to construct a process engine, wherein the process engine includes a process advancement table and a node status table, wherein the process advancement table includes multiple write-off processing links of each transaction data, and the node status table is used to record the processing status of each write-off processing link;

[0055] The write-off process advancement processing module 220 is used to sequentially advance the processing of each transaction data to be written off based on the multiple write-off processing links corresponding to the transaction data to be written off in the process advancement table to obtain a processing result;

[0056] The exception handling module 230 is used to determine an exception handling mechanism based on the exception type if an exception occurs in the write-off processing link during the advancement process, and handle the exception based on the exception handling mechanism and the processing status of the write-off processing link.

[0057] The technical solution of this embodiment is to construct a process engine, which includes a process advancement table and a node status table. The process advancement table includes multiple write-off processing links for each transaction data, and the node status table is used to record the processing status of each write-off processing link. For each transaction data to be written off, the multiple write-off processing links corresponding to the transaction data to be written off in the process advancement table are sequentially advanced to obtain the processing result. The automatic write-off of transaction data can be realized. In addition, in the process of advancing the processing, if there is an abnormality in the write-off processing link, the abnormality handling mechanism is determined based on the abnormality type of the abnormality, and the abnormality is handled based on the abnormality handling mechanism and the processing status of the write-off processing link. The abnormality can be handled in time, and the accuracy of the transaction data write-off is improved, thereby improving the settlement efficiency.

[0058] On the basis of the above-mentioned embodiment, optionally, the cancellation process advancement processing module 220 includes an access authorization unit, which is used to check the transaction elements of the transaction data to be cancelled when the cancellation processing link is an access authorization link. If the check fails, access failure is returned to the middle office system.

[0059] Based on the above embodiment, optionally, the transaction elements include remittance information; and the access authorization unit is used to:

[0060] In the case that the transaction data to be written off lacks the remittance information, the remittance information of the transaction data to be written off is queried in the remittance database based on the decision tree. If the query is successful, the remittance information is filled in and the next write-off processing link is promoted;

[0061] In the case where the transaction data to be written off includes the remittance information, matching is performed in the remittance database based on the decision tree, and if the remittance information is consistent with the remittance information in the remittance database, the next writing-off processing link is promoted;

[0062] Among them, the Huilu library is established based on business type, clearing channel and transaction object information.

[0063] Based on the above embodiment, optionally, the device further includes a Huilu library update module, which is used to:

[0064] If the route information is inconsistent with the route information in the route database, determine whether there is route information of other business types of the same transaction object as the route information in the route database; if there is and it is consistent with the route information of the currently accessed business type, update the route information of the transaction object based on the route information;

[0065] If the convergence information does not exist or is inconsistent with the convergence information of the currently accessed service type, a new convergence information is added to the convergence database based on the convergence information.

[0066] Based on the above embodiment, optionally, the liquidation unit of the write-off process advancement processing module 220 is used to:

[0067] When the write-off processing stage is a clearing stage, if we are the active payee and payee, we will generate a clearing instruction and send the clearing instruction to the clearing system;

[0068] If we are the passive payee and payee, we will generate an account to be written off based on the transaction data to be written off, and receive a settlement instruction from the transaction object sent by the transaction system.

[0069] Based on the above embodiment, optionally, the write-off process advancement processing module 220 includes a liquidation write-off unit, which is used to:

[0070] When the write-off processing stage is a liquidation write-off stage, the liquidation instruction is identified, and if the liquidation instruction is a past report, the liquidation write-off stage is skipped;

[0071] If the settlement instruction is an incoming report, business information is extracted from the settlement instruction, and element matching is performed on the business information and the account to be written off. When the elements match, the transaction data to be written off is written off.

[0072] Based on the above embodiment, optionally, the exception handling mechanism includes a breakpoint recovery mechanism, a breakpoint skip mechanism and a breakpoint rejection mechanism.

[0073] The transaction data cancellation device provided in the embodiment of the present invention can execute the transaction data cancellation method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0074] Embodiment 3

[0075] Figure 4 1 is a schematic diagram of the structure of an electronic device provided in Embodiment 3 of the present invention. The electronic device 10 is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.

[0076] like Figure 4 As shown, the electronic device 10 includes at least one processor 11, and a memory connected to the at least one processor 11, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 to the random access memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 can also be stored. The processor 11, the ROM 12, and the RAM 13 are connected to each other through a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0077] A number of components in the electronic device 10 are connected to the I / O interface 15, including: an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0078] The processor 11 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 11 executes the various methods and processes described above, such as a method for writing off transaction data.

[0079] In some embodiments, the method for reimbursing transaction data may be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the method for reimbursing transaction data described above may be performed. Alternatively, in other embodiments, the processor 11 may be configured to execute the method for reimbursing transaction data in any other appropriate manner (e.g., by means of firmware).

[0080] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0081] The computer program for implementing the transaction data write-off method of the present invention can be written in any combination of one or more programming languages. These computer programs can be provided to a processor of a general-purpose computer, a special-purpose computer or other programmable data processing device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program can be executed completely on the machine, partially on the machine, as a stand-alone software package, partially on the machine and partially on a remote machine, or completely on a remote machine or server.

[0082] Embodiment 4

[0083] Embodiment 4 of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to cause a processor to execute a transaction data write-off method, the method comprising:

[0084] Constructing a process engine, the process engine including a process advancement table and a node status table, the process advancement table including multiple write-off processing links of each transaction data, and the node status table for recording the processing status of each write-off processing link;

[0085] For each transaction data to be written off, multiple write-off processing links corresponding to the transaction data to be written off in the process advancement table are sequentially advanced to obtain a processing result;

[0086] During the advancement process, if there is an exception in the write-off processing link, an exception handling mechanism is determined based on the exception type of the exception, and the exception is handled based on the exception handling mechanism and the processing status of the write-off processing link.

[0087] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in combination with an instruction execution system, device or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0088] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0089] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0090] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.

[0091] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0092] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for writing off transaction data, characterized in that: Applied to backend systems, including: Constructing a process engine, the process engine including a process advancement table and a node status table, the process advancement table including multiple write-off processing links of each transaction data, and the node status table for recording the processing status of each write-off processing link; For each transaction data to be written off, multiple write-off processing links corresponding to the transaction data to be written off in the process advancement table are sequentially advanced to obtain a processing result; During the advancement process, if there is an exception in the write-off processing link, an exception handling mechanism is determined based on the exception type of the exception, and the exception is handled based on the exception handling mechanism and the processing status of the write-off processing link.

2. The method according to claim 1, characterized in that The multiple write-off processing links corresponding to the to-be-written-off transaction data in the process advancement table are sequentially advanced, including: When the verification processing link is the access authorization link, the transaction elements of the transaction data to be verified are checked. If the check fails, access failure is returned to the middle office system.

3. The method according to claim 2, characterized in that The transaction elements include remittance information; the checking of the transaction elements of the transaction data to be written off includes: In the case that the transaction data to be written off lacks the remittance information, the remittance information of the transaction data to be written off is queried in the remittance database based on the decision tree. If the query is successful, the remittance information is filled in and the next write-off processing link is promoted; In the case where the transaction data to be written off includes the remittance information, matching is performed in the remittance database based on the decision tree, and if the remittance information is consistent with the remittance information in the remittance database, the next writing-off processing link is promoted; Among them, the Hulu library is established based on business type, clearing channel and transaction object information.

4. The method according to claim 3, characterized in that The method comprises: If the route information is inconsistent with the route information in the route database, determine whether there is route information of other business types of the same transaction object as the route information in the route database; if there is and it is consistent with the route information of the currently accessed business type, update the route information of the transaction object based on the route information; If the convergence information does not exist or is inconsistent with the convergence information of the currently accessed service type, a new convergence information is added to the convergence database based on the convergence information.

5. The method according to claim 1, characterized in that The multiple write-off processing links corresponding to the to-be-written-off transaction data in the process advancement table are sequentially advanced, including: When the write-off processing stage is a clearing stage, if we are the active payee and payee, we will generate a clearing instruction and send the clearing instruction to the clearing system; If we are the passive payee and payee, we will generate an account to be written off based on the transaction data to be written off, and receive a settlement instruction from the transaction object sent by the transaction system.

6. The method according to claim 5, characterized in that The multiple write-off processing links corresponding to the transactions to be written off in the process advancement table are sequentially advanced, including: When the write-off processing stage is a liquidation write-off stage, the liquidation instruction is identified, and if the liquidation instruction is a past report, the liquidation write-off stage is skipped; If the settlement instruction is an incoming report, business information is extracted from the settlement instruction, and element matching is performed on the business information and the account to be written off. When the elements match, the transaction data to be written off is written off.

7. The method according to claim 1, characterized in that The exception handling mechanism includes a breakpoint recovery mechanism, a breakpoint skip mechanism and a breakpoint rejection mechanism.

8. A transaction data cancellation device, characterized in that: Applied to backend systems, including: A process engine construction module, used to construct a process engine, the process engine includes a process advancement table and a node status table, the process advancement table includes multiple write-off processing links of each transaction data, and the node status table is used to record the processing status of each write-off processing link; A write-off process advancement processing module is used to sequentially advance the processing of each transaction data to be written off based on a plurality of write-off processing links corresponding to the transaction data to be written off in the process advancement table to obtain a processing result; The exception handling module is used to determine the exception handling mechanism based on the exception type if there is an exception in the write-off processing link during the advancement process, and handle the exception based on the exception handling mechanism and the processing status of the write-off processing link.

9. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the transaction data cancellation method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the transaction data cancellation method according to any one of claims 1 to 7 when executed.

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