A method for automatically settling accounts for merchants

Abstract

The present invention relates to the field of computer technology, and in particular to a method for automatic settlement for merchants. An acquiring platform sets a reconciliation module, an error processing module, a clearing module, a settlement module, and a transfer module controlled by timed tasks. The error processing link is based on the transaction data of UnionPay and China UnionPay clearing institutions (also referred to as "institutions"). The present invention solves the pain points of late settlement, missed settlement, and unstable settlement time in cash register fund settlement for merchants by changing the error processing, clearing and settlement operations initiated by acquiring institutions that rely on operators to automatic processing by the acquiring platform, thereby realizing automatic settlement for merchants, improving merchant experience, and reducing manual operations of operators.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a method for automatically settling accounts for merchants. Background Art

[0002] When acquiring institutions provide merchants with acquiring services for mainstream payment methods such as Alipay, WeChat, and UnionPay QuickPass, after the acquiring platform completes the reconciliation on the next day (D+1), the operating staff manually checks the reconciliation results and handles errors, and then initiates clearing and settlement instructions to the merchant's cash register funds. After receiving the instructions, the acquiring platform first performs clearing, and then pays the merchant one by one to complete the settlement.

[0003] This method completely relies on operators to initiate instructions in the three links of error handling, clearing and settlement. If the operators are on vacation, in a meeting, on a business trip, etc., although there is a B-corner, it will also be affected, causing pain points for merchants such as late settlement, missed settlement, and unstable settlement time, which will have a negative impact on merchant operations. Summary of the invention

[0004] The purpose of the present invention is to provide a method for automatic settlement for merchants to improve the above technical problems.

[0005] In order to achieve the above objectives, the present application provides the following technical solutions: The acquiring platform sets up a reconciliation module, error handling module, clearing module, settlement module and transfer module with scheduled task control. The error handling link is based on the transaction data of UnionPay and China National Network Payment Corporation clearing institutions (also referred to as "institutions"). The entire process of reconciliation, error handling, clearing and settlement is automatically processed without the need for manual operation by operators, thus realizing automatic settlement for merchants.

[0006] The method includes: the reconciliation module automatically starts the reconciliation query operation within a preset time period to determine whether the platform (i.e., the acquiring platform) and the clearing agency (UnionPay and NetsUnion) have completed the reconciliation on that day (taking D+1 settlement as an example, i.e., D day). If it has been completed, the reconciliation query task ends. If it has not been completed, the reconciliation task is executed; the error handling module automatically starts within a preset time period and queries whether there is an error record on that day in the reconciliation error table. If so, the error handling is performed in sequence according to the error type corresponding to each error data in the error table. The reconciliation error table is a database table generated during the reconciliation operation to record the error order data of a certain day; the clearing module automatically starts within a preset time period, and after starting, it first checks whether the reconciliation of the day is completed and whether the reconciliation error is handled. If it is not completed, the clearing task is stopped; if there is no problem, automatic clearing is started, and Generate corresponding clearing details; the settlement module starts automatically within the preset time period, and after starting, queries the unaudited clearing detail data, performs fund verification on the clearing detail data, and after the fund verification, sets the settlement status corresponding to the clearing detail data to the "approved but not paid" status; the transfer module starts automatically within the preset time period, and after starting, queries the data with a settlement status of "approved but not paid" in the clearing detail table, generates payment information based on the total order amount, settlement amount, handling fee, and merchant settlement account in the data, and then calls the payment interface to make the payment.

[0007] Optionally, the reconciliation module is automatically executed, including: obtaining the reconciliation details file corresponding to the day placed on the server by the clearing institutions UnionPay and China National Nets Union, and the reconciliation details file mainly includes the transaction details data of WeChat Pay, Alipay and Cloud QuickPass. Parse the reconciliation details file to obtain the reconciliation details data and write them into the database, and after all the reconciliation details data have been entered into the database, query the order data that needs to be reconciled on the day on the acquiring platform. In order to increase the reconciliation speed, the reconciliation details data and platform order data are stored in HashMap and ArrayList array structures (two array storage structures in the Java programming language), that is, the two sets of data are stored twice in different structures, and the HashMap uses the order number of the data as the key and the data information as the value.

[0008] After all reconciliation details are entered into the database, the reconciliation is conducted in two rounds using the platform order data and the reconciliation details data (i.e., the organization data), but the organization data shall prevail: if the platform order is equal to the reconciliation details data, the corresponding platform order shall be recorded as "reconciliation successful"; if the reconciliation details data does not exist, it shall be recorded as "platform orders are many"; if the status or amount of the platform order data is inconsistent with the reconciliation details data, it shall be recorded as "platform status error" or "amount is not balanced", and the error information shall be written into the reconciliation error table; if the platform order does not exist, an error shall be written into the reconciliation error table, and the status shall be recorded as "platform orders are few". After completing two rounds of reconciliation, the reconciliation status of the day shall be updated to the "reconciled" status.

[0009] Optionally, the error handling module is automatically executed, including: error data of the day in the reconciliation error table, and error handling is performed in sequence according to the error type: If the status is "few orders on the platform", "platform order supplement" is performed, that is, a new order record is added to the platform according to the reconciliation details data, and the amount, order status, settlement date and other information are consistent with the reconciliation details data; If the status is "Too many orders on the platform", then "Platform deletes order", then modify the corresponding order record on the platform to "Payment failed"; If the status is "Platform Status Error", then "Platform Synchronous Change" will be selected, and the corresponding order status of the platform will be modified based on the status of the reconciliation details data; If the status is "uneven amount", then "platform synchronization change" will be made, i.e. the corresponding order record amount on the platform will be adjusted and the handling fee will be recalculated to update the data.

[0010] Optionally, the automatic execution of the clearing module includes: grouping and counting the orders that have been successfully paid within the clearing date according to the clearing institution and the merchant number, calculating the total amount, handling fee and settlement amount of the order, and storing the payment clearing order information in an array structure; Query and count the data of next-day refund orders by clearing agency and merchant number, and use HashMap with merchant number as key and data information as value to store refund order information (refunds are divided into same-day refunds and next-day refunds. Since same-day refunds do not involve fund processing in the clearing and settlement stage, the refunds mentioned below only refer to next-day refunds); For each merchant, the clearing amount is calculated based on the successful payment orders and refund orders: Clearing amount = total successful payment amount – total handling fee of successful payment orders – total successful refund amount + total handling fee of refund orders; Among them, the handling fee is composed of the institution handling fee (the handling fee charged by UnionPay and China National Payment Corporation) and the platform handling fee (the handling fee charged by the acquiring platform), which is described in detail: Clearing amount = total payment order amount – agency fee – platform fee – total refund order amount + refund order agency fee + refund order platform fee; Based on the statistical results of payment and refund orders, clearing information is generated by merchant and clearing agency classification, stored in the clearing details table of the database, and the settlement status of the clearing details is set to "unreviewed".

[0011] Optionally, the settlement module is automatically executed, and the fund verification includes verification of incoming funds, handling fees and clearing amount, wherein the verification method of incoming funds is to determine whether the incoming funds are equal to "total payment order amount - agency handling fee - total refund order amount + refund order agency handling fee". If they are equal, proceed to the next step; if not, set the settlement status to "review failure" and notify the transportation management personnel that the incoming funds are not equal; Optionally, the transfer module is automatically executed, and after calling the payment interface to make the payment, if the transfer is successful, the payment status of the payment table and the settlement details table is updated to "payment success"; if the transfer fails or a system abnormality occurs, the payment status is modified to "payment failure".

[0012] Optionally, it also includes: classifying multiple order data based on the supply channels corresponding to the goods in the order data of the payment acquisition platform, and then generating a hash sub-table corresponding to each supply channel, and signing the hash sub-table by the seller.

[0013] The signed hash subtable is uploaded to the blockchain according to the supply channel network, and then the original bill to be confirmed is generated. The sales amount corresponding to each order in the original bill to be confirmed is hidden from the supply channel. At the same time, the total shipment information table generated after statistics of multiple order data corresponding to the supply channel is sent to the corresponding supply channel. After it is confirmed to be correct, the verification hash value corresponding to the original bill to be confirmed is generated based on the supplier's key and the total shipment information table, and uploaded to the chain through the blockchain network, and automatically verified on the chain. The verification is used to verify the total shipment information table and the hash subtable. Whether the order data matches; the supply channel does not need to know the specific sales details, and the specific sales details are the business secrets of the sales platform and do not need to be disclosed to the supply channel. The sales platform only needs to provide the supplier with the total sales or total amount of each category. After the supply channel confirms that it is correct, it will sign the total sales or total amount of each category provided by the sales platform to the supplier and upload it to the blockchain. The blockchain will automatically parse whether the total order data in the hash subtable is consistent with it. If it is consistent, a new ledger will be generated and stored in the server corresponding to the supply channel and the service corresponding to the sales platform respectively; If there is a match, a new bill is generated based on the original bill to be confirmed, and the new bill is stored in the server corresponding to the supply channel provider and the service corresponding to the sales platform respectively; When the payment details in the reconciliation details file are inconsistent with the accounts receivable provided by the supplier, check whether the totals of the supply details provided by the supplier and the order details on the blockchain bill are consistent. If they are inconsistent, generate a reconciliation error analysis report based on the difference between the supply details and the order details; If they are consistent, the corresponding contract parameters are retrieved on the blockchain network, and the accounts payable are calculated based on the payment method in the contract parameters, the settlement time node in the contract parameters, the settlement channel commission ratio in the contract parameters, the amount corresponding to the order details in the blockchain ledger, and the transaction time node corresponding to the order details in the blockchain ledger. The accounts payable are compared with the payment details in the reconciliation details file for consistency. If they are inconsistent, the corresponding abnormal analysis report is generated based on the payment details in the reconciliation details file, the accounts receivable and accounts payable provided by the supplier. That is, when there is a remittance dispute between the two parties, the calculation is usually based on the blockchain ledger.

[0014] The beneficial effects of the present invention are: The present invention solves the pain points of late settlement, missed settlement and unstable settlement time in cash register fund settlement for merchants by changing the error handling and clearing and settlement operations that were previously initiated by operators of acquiring institutions to automatic processing by the acquiring platform, thereby realizing automatic settlement for merchants, improving merchant experience and reducing manual operations of operators.

[0015] Other features and advantages of the present invention will be described in the following description, and partly become apparent from the description, or be understood by implementing the embodiments of the present invention. The purpose and other advantages of the present invention can be realized and obtained by the structure specifically pointed out in the written description and claims. DETAILED DESCRIPTION

[0016] The described embodiments are only some embodiments of the present invention, not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0017] In the description of the present invention, the terms “first”, “second”, etc. are only used to distinguish the descriptions and should not be understood as indicating or implying relative importance.

[0018] Embodiment 1:

[0019] This embodiment provides a method and device for automatic settlement for merchants, and the method includes step S100, step S200, step S300, step S400 and step S500.

[0020] Step S100, automatically executing the reconciliation module, including: obtaining the reconciliation details file corresponding to the day placed on the server by the clearing institutions UnionPay and NetsUnion, and the reconciliation details file mainly includes the transaction details data of WeChat Pay, Alipay and Cloud QuickPass. Parse the reconciliation details file to obtain the reconciliation details data and write them into the database, and after all the reconciliation details data have been completed and stored in the database, query the order data that needs to be reconciled on the day of the acquiring platform. In order to increase the reconciliation speed, the reconciliation details data and platform order data are stored in HashMap and ArrayList array structures (two array storage structures in the Java programming language), that is, the two sets of data are stored twice in different structures, and HashMap uses the order number of the data as the key and the data information as the value.

[0021] After all reconciliation details are entered into the database, the reconciliation is conducted in two rounds using the platform order data and the reconciliation details data (i.e., the organization data), but the organization data shall prevail: if the platform order is equal to the reconciliation details data, the corresponding platform order shall be recorded as "reconciliation successful"; if the reconciliation details data does not exist, it shall be recorded as "platform orders are many"; if the status or amount of the platform order data is inconsistent with the reconciliation details data, it shall be recorded as "platform status error" or "amount is not balanced", and the error information shall be written into the reconciliation error table; if the platform order does not exist, an error shall be written into the reconciliation error table, and the status shall be recorded as "platform orders are few". After completing two rounds of reconciliation, the reconciliation status of the day shall be updated to the "reconciled" status.

[0022] Step S200, automatically executing the error processing module, including: error data of the day in the reconciliation error table, and error processing in sequence according to the error type: If the status is "few orders on the platform", "platform order supplement" is performed, that is, a new order record is added to the platform according to the reconciliation details data, and the amount, order status, settlement date and other information are consistent with the reconciliation details data; If the status is "Too many orders on the platform", then "Platform deletes order", then modify the corresponding order record on the platform to "Payment failed"; If the status is "Platform Status Error", then "Platform Synchronous Change" will be selected, and the corresponding order status of the platform will be modified based on the status of the reconciliation details data; If the status is "uneven amount", then "platform synchronization change" will be made, i.e. the corresponding order record amount on the platform will be adjusted and the handling fee will be recalculated to update the data.

[0023] Step S300, automatically executing the clearing module, including: grouping and counting the orders that have been successfully paid within the clearing date according to the clearing institution and merchant number, calculating the total amount, handling fee and settlement amount of the order, and storing the payment clearing order information in an array structure; Query and count the data of next-day refund orders by clearing agency and merchant number, and use HashMap with merchant number as key and data information as value to store refund order information (refunds are divided into same-day refunds and next-day refunds. Since same-day refunds do not involve fund processing in the clearing and settlement stage, the refunds mentioned below only refer to next-day refunds); For each merchant, the clearing amount is calculated based on the successful payment orders and refund orders: Clearing amount = total successful payment amount – total handling fee of successful payment orders – total successful refund amount + total handling fee of refund orders; Among them, the handling fee is composed of the institution handling fee (the handling fee charged by UnionPay and China National Payment Corporation) and the platform handling fee (the handling fee charged by the acquiring platform), which is described in detail: Clearing amount = total payment order amount – agency fee – platform fee – total refund order amount + refund order agency fee + refund order platform fee; Based on the statistical results of payment and refund orders, clearing information is generated by merchant and clearing agency classification, stored in the clearing details table of the database, and the settlement status of the clearing details is set to "unreviewed".

[0024] Step S400, automatically executing the settlement module, the fund verification includes verification of incoming funds, handling fees and clearing amount, wherein the verification method of incoming funds is to determine whether the incoming funds are equal to "total payment order amount - agency handling fee - total refund order amount + refund order agency handling fee". If they are equal, proceed to the next step; if not, set the settlement status to "review failure" and notify the transport management personnel that the incoming funds are not equal; Step S500, automatically execute the transfer module, call the payment interface to make a payment, if the transfer is successful, update the payment status of the payment table and the settlement details table to "successful payment"; if the transfer fails or a system abnormality occurs, modify the payment status to "failed payment".

[0025] Secondly, it also includes: classifying multiple order data based on the supply channels corresponding to the goods in the order data of the payment platform, and then generating a hash sub-table corresponding to each supply channel, and signing the hash sub-table by the seller.

[0026] The signed hash subtable is uploaded to the blockchain according to the supply channel network, and then the original bill to be confirmed is generated. The sales amount corresponding to each order in the original bill to be confirmed is hidden from the supply channel. At the same time, the total shipment information table generated after statistics of multiple order data corresponding to the supply channel is sent to the corresponding supply channel. After it is confirmed to be correct, the verification hash value corresponding to the original bill to be confirmed is generated based on the supplier's key and the total shipment information table, and uploaded to the chain through the blockchain network, and automatically verified on the chain. The verification is used to verify the total shipment information table and the hash subtable. Whether the order data matches; the supply channel does not need to know the specific sales details, and the specific sales details are the business secrets of the sales platform and do not need to be disclosed to the supply channel. The sales platform only needs to provide the supplier with the total sales or total amount of each category. After the supply channel confirms that it is correct, it will sign the total sales or total amount of each category provided by the sales platform to the supplier and upload it to the blockchain. The blockchain will automatically parse whether the total order data in the hash subtable is consistent with it. If it is consistent, a new ledger will be generated and stored in the server corresponding to the supply channel and the service corresponding to the sales platform respectively; If there is a match, a new bill is generated based on the original bill to be confirmed, and the new bill is stored in the server corresponding to the supply channel provider and the service corresponding to the sales platform respectively; When the payment details in the reconciliation details file are inconsistent with the accounts receivable provided by the supplier, check whether the totals of the supply details provided by the supplier and the order details on the blockchain bill are consistent. If they are inconsistent, generate a reconciliation error analysis report based on the difference between the supply details and the order details; If they are consistent, the corresponding contract parameters are retrieved on the blockchain network, and the accounts payable are calculated based on the payment method in the contract parameters, the settlement time node in the contract parameters, the settlement channel commission ratio in the contract parameters, the amount corresponding to the order details in the blockchain ledger, and the transaction time node corresponding to the order details in the blockchain ledger. The accounts payable are compared with the payment details in the reconciliation details file for consistency. If they are inconsistent, the corresponding abnormal analysis report is generated based on the payment details in the reconciliation details file, the accounts receivable and accounts payable provided by the supplier. That is, when there is a remittance dispute between the two parties, the calculation is usually based on the blockchain ledger.

[0027] The invention provided in this embodiment changes the error handling and clearing and settlement operations that the acquiring institution relies on the operating personnel to be automatically handled by the acquiring platform, thereby realizing automatic settlement for merchants, solving the pain points of late settlement, missed settlement, and unstable settlement time in merchant cash register fund settlement, improving merchant experience, and reducing manual operations of operating personnel.

[0028] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A method for automatic settlement for merchants, characterized in that: The acquiring platform controls the reconciliation module, error handling module, clearing module, settlement module and transfer module by setting up scheduled tasks, wherein the error handling link corresponding to the error handling module is based on the transaction data of the UnionPay and NetsUnion clearing institutions, and the method includes: The reconciliation module automatically starts the reconciliation query operation within the preset time period to determine whether the platform and the clearing agency have completed the reconciliation on that day. If so, the reconciliation query task ends; If it is not completed, the reconciliation task is executed; the error processing module starts automatically within the preset time period, and queries the reconciliation error table to see if there is an error record on that day. If so, error processing is performed in sequence according to the error type corresponding to each error data in the error table. The reconciliation error table is a database table generated during the reconciliation operation to record the error order data of a certain day; The clearing module starts automatically within the preset time period, and after starting, it first checks whether the reconciliation for the day is completed and whether the reconciliation errors are handled. If not, the clearing task is stopped; If there are no problems, automatic liquidation will begin and the corresponding liquidation details will be generated; The settlement module starts automatically within the preset time period, and after starting, it queries the unaudited settlement details data, performs fund verification on the settlement details data, and after the fund verification passes, sets the settlement status corresponding to the settlement details data to the approved but unpaid status; The transfer module starts automatically within the preset time period, and after startup, it queries the settlement details table for data with a settlement status of approved but not yet paid. It generates payment information based on the total order amount, settlement amount, handling fee, and merchant settlement account in the data, and then calls the payment interface to make the payment.

2. The method for automatic settlement for merchants according to claim 1, characterized in that: Automatically execute the reconciliation module, including: obtaining the reconciliation details file corresponding to the day placed on the server by the clearing institutions UnionPay and China National Net Union, the reconciliation details file mainly includes the transaction details data of WeChat Pay, Alipay and Cloud QuickPass; Parse the reconciliation details file to obtain the reconciliation details data and write it into the database. After all the reconciliation details data are entered into the database, query the order data that needs to be reconciled on the day on the acquiring platform; The reconciliation details data and platform order data are stored in HashMap and ArrayList array structures, that is, the two sets of data are stored twice in different structures. HashMap uses the order number of the data as the key and the data information as the value to improve the reconciliation speed.

3. The method for automatic settlement for merchants according to claim 2, characterized in that: After all reconciliation details are entered into the database, the reconciliation is conducted in two rounds using the platform order data and reconciliation details data, but the institution data shall prevail: If the platform order and the reconciliation details are equal, the corresponding platform order will be recorded as reconciliation successful; If the reconciliation details data does not exist, it is recorded as too many orders on the platform; If the status or amount of the platform order data is inconsistent with the reconciliation details data, it will be recorded as a platform status error or an amount imbalance, and the error information will be written into the reconciliation error table; If the platform order does not exist, an error is generated and written into the reconciliation error table, and the status is recorded as "few platform orders"; After completing two rounds of reconciliation, the reconciliation status for the day will be updated to "reconciled".

4. The method for automatic settlement for merchants according to claim 3, characterized in that: Automatically execute the error handling module, including: error data of the day in the reconciliation error table, and error handling in sequence according to the error type: If the status is that there are few orders on the platform, the platform will make up the order, that is, add a new order record on the platform according to the reconciliation details data, and the amount, order status and settlement date are consistent with the reconciliation details data; If the status is that there are too many orders on the platform, the platform will delete the order and modify the corresponding order record on the platform to payment failure; If the status is that the platform status is wrong, the platform will be changed synchronously, and the status of the corresponding order on the platform will be modified based on the status of the reconciliation details data; If the status is that the amount is not balanced, the platform will be changed synchronously, that is, the platform will adjust the corresponding order record amount and recalculate the handling fee to update the data.

5. The method for automatic settlement for merchants according to claim 4, characterized in that: Automatic execution of the clearing module, including: grouping and counting the orders that have been successfully paid within the clearing date by clearing institution and merchant number, calculating the total amount, handling fee and settlement amount of the order, and storing the payment clearing order information in an array structure; Query and count the data of next-day refund orders by clearing agency and merchant number, and use HashMap with merchant number as key and data information as value to store refund order information. Refunds are divided into same-day refunds and next-day refunds. Since same-day refunds do not involve fund processing in the clearing and settlement stage, the refunds mentioned below only refer to next-day refunds; For each merchant, the clearing amount is calculated based on the successful payment orders and refund orders: Clearing amount = total successful payment amount – total handling fee of successful payment orders – total successful refund amount + total handling fee of refund orders; Among them, the handling fee is composed of institutional handling fee and platform handling fee. The institutional handling fee is the handling fee charged by UnionPay and China National Payment Corporation, and the platform handling fee is the handling fee charged by the acquiring platform, that is, the detailed description: Clearing amount = total payment order amount – agency fee – platform fee – total refund order amount + refund order agency fee + refund order platform fee; Based on the statistical results of payment and refund orders, clearing information is generated by merchant and clearing agency classification, stored in the clearing details table of the database, and the settlement status of the clearing details is set to unreviewed.

6. The method for automatic settlement for merchants according to claim 5, characterized in that: Automatically execute the settlement module, the fund verification includes the verification of incoming funds, handling fees and clearing amount, wherein the verification method of incoming funds is to determine whether the incoming funds are equal to the total amount of the payment order - the agency handling fee - the total amount of the refund order + the agency handling fee of the refund order. If they are equal, proceed to the next step; If they are not equal, the settlement status will be set to audit failure and the transportation management staff will be notified that the incoming funds are not equal.

7. The method for automatic settlement for merchants according to claim 6, characterized in that: Automatically execute the transfer module, call the payment interface to make a payment, and if the transfer is successful, update the payment status of the payment table and the settlement details table to successful payment; If the transfer fails or a system abnormality occurs, the payment status will be changed to payment failure.

8. The method for automatic settlement for merchants according to claim 7, characterized in that: The transfer module starts automatically within the preset time period, and after starting, it queries the settlement details table for data with a settlement status of approved but not yet paid. It generates payment information based on the total order amount, settlement amount, handling fee, and merchant settlement account in the data, and then calls the payment interface to make the payment. It also includes: Based on the supply channels corresponding to the commodities in the order data of the acquiring platform, multiple order data are classified, and then a hash sub-table corresponding to each supply channel is generated, and the hash sub-table is signed by the seller; The signed hash subtable is uploaded to the blockchain according to the supply channel network, and then the original bill to be confirmed is generated. The sales amount corresponding to each order in the original bill to be confirmed is hidden from the supply channel. At the same time, the total shipment information table generated after statistics of multiple order data corresponding to the supply channel is sent to the corresponding supply channel. After it is confirmed to be correct, the verification hash value corresponding to the original bill to be confirmed is generated based on the supplier's key and the total shipment information table, and uploaded to the chain through the blockchain network, and automatically verified on the chain. The verification is used to verify the total shipment information table and the hash subtable. Whether the order data matches; the supply channel does not need to know the specific sales details, and the specific sales details are the business secrets of the sales platform and do not need to be disclosed to the supply channel. The sales platform only needs to provide the supplier with the total sales or total amount of each category. After the supply channel confirms that it is correct, it will sign the total sales or total amount of each category provided by the sales platform to the supplier and upload it to the blockchain. The blockchain will automatically parse whether the total order data in the hash subtable is consistent with it. If it is consistent, a new ledger will be generated and stored in the server corresponding to the supply channel and the service corresponding to the sales platform respectively; If there is a match, a new bill is generated based on the original bill to be confirmed, and the new bill is stored in the server corresponding to the supply channel provider and the service corresponding to the sales platform respectively; When the payment details in the reconciliation details file are inconsistent with the accounts receivable provided by the supplier, check whether the totals of the supply details provided by the supplier and the order details on the blockchain bill are consistent. If they are inconsistent, generate a reconciliation error analysis report based on the difference between the supply details and the order details; If they are consistent, the corresponding contract parameters are retrieved on the blockchain network, and the accounts payable are calculated based on the payment method in the contract parameters, the settlement time node in the contract parameters, the settlement channel commission ratio in the contract parameters, the amount corresponding to the order details in the blockchain ledger, and the transaction time node corresponding to the order details in the blockchain ledger. The accounts payable are compared with the payment details in the reconciliation details file for consistency. If they are inconsistent, the corresponding abnormal analysis report is generated based on the payment details in the reconciliation details file, the accounts receivable and accounts payable provided by the supplier.