Efficient and safe payment reconciliation and processing method and system

Abstract

The invention discloses an efficient and safe payment reconciliation and processing method and system, and belongs to the technical field of tobacco industry and payment reconciliation, and the method comprises the steps of transaction reconciliation, business reconciliation, income reconciliation, exception handling and reconciliation result display. The transaction reconciliation is to update the inconsistent data of the payment center based on the result of the third-party payment system; the business reconciliation informs a business system to modify inconsistent data based on a transaction reconciliation result; the reconciliation in the reconciliation is based on reconciliation data, reconciliation abnormity is marked for inconsistent reconciliation data and business system data, and abnormity processing needs to be carried out; and the exception processing is to generate an exceptional receipt based on the income data and the data with inconsistent payment amount or payment state, and process the exceptional receipt. According to the invention, the accuracy, efficiency and safety of account checking can be improved, and the risk in the account checking process is reduced.

Description

Technical Field

[0001] The invention relates to the tobacco industry and the technical field of payment reconciliation, and in particular to an efficient and safe payment reconciliation and processing method and system. Background Art

[0002] Many existing payment reconciliation and processing methods rely on manual operations, which have problems such as long reconciliation cycle, low efficiency, and easy errors. With the continuous increase in transaction volume, these problems have become increasingly prominent, seriously affecting the financial management efficiency and risk control capabilities of enterprises. Therefore, it is particularly important to develop an efficient and secure payment reconciliation and processing method. Summary of the invention

[0003] The technical task of the present invention is to address the above deficiencies and provide an efficient and secure payment reconciliation and processing method and system, which can improve the accuracy, efficiency and security of reconciliation and reduce the risks in the reconciliation process.

[0004] The technical solution adopted by the present invention to solve its technical problem is:

[0005] An efficient and secure payment reconciliation and processing method, the implementation of which includes: transaction reconciliation, business reconciliation, income reconciliation, exception processing and reconciliation result display;

[0006] The transaction reconciliation is based on the results of the third-party payment system and updates the inconsistent data of the payment center;

[0007] The business reconciliation is based on the transaction reconciliation result, and the business system is notified to modify the inconsistent data;

[0008] The account reconciliation is based on the account data. If the account data is inconsistent with the business system data, it will be marked as an account reconciliation exception and needs to be handled;

[0009] The exception processing is based on the incoming data, and the data with inconsistent payment amount or payment status generates an abnormal document, which is then processed.

[0010] This method achieves comprehensive automation and intelligence of payment reconciliation through automated reconciliation, intelligent difference analysis, real-time security monitoring and other means, significantly improving the efficiency and accuracy of reconciliation.

[0011] Furthermore, the transaction reconciliation is specifically implemented as follows:

[0012] 1.1) Obtain transaction data from payment centers and third-party payment systems;

[0013] 1.2) Compare the data of both parties, take the result of the third-party payment system as the standard, and update the inconsistent data of the payment center;

[0014] 1.3) The comparison results are stored in the reconciliation results table.

[0015] Furthermore, the business reconciliation is specifically implemented as follows:

[0016] 2.1) Obtain data from the business system;

[0017] 2.2) Compare the business data and the transaction reconciliation results, take the transaction reconciliation results as the basis, and notify the business system to modify the inconsistent data;

[0018] 2.3) The comparison results are stored (updated) in the reconciliation result table.

[0019] Furthermore, the specific implementation of the account reconciliation is as follows:

[0020] 3.1) Obtain payment data from third-party payment;

[0021] 3.2) Compare the reconciliation results of the incoming account data and the business reconciliation, and take the incoming account data as the standard. If the incoming account data and the business system data are inconsistent, it will be marked as a reconciliation exception and needs to be handled;

[0022] 3.3) The comparison results are stored (updated) in the reconciliation result table.

[0023] Furthermore, the exception handling is specifically implemented as follows:

[0024] 4.1) All results are based on the incoming data. Inconsistent data of payment amount or payment status will generate abnormal documents;

[0025] 4.2) Abnormal document processing, including:

[0026] Automatic processing, notifying relevant personnel after processing is completed;

[0027] Manual processing: notify relevant personnel to perform manual processing.

[0028] Furthermore, the reconciliation results are displayed and a detailed reconciliation report is generated, including the reconciliation results, difference analysis, processing measures, etc.

[0029] Furthermore, the method also includes automatic reconciliation: all reconciliation links support automatic and manual methods and can be flexibly processed as needed.

[0030] The present invention also claims protection for an efficient and secure payment reconciliation and processing system, comprising:

[0031] The transaction reconciliation module is used to update inconsistent data in the payment center based on the results of the third-party payment system;

[0032] The business reconciliation module is used to notify the business system to modify inconsistent data based on the transaction reconciliation results;

[0033] The account reconciliation module is used to implement the account reconciliation based on the account data. If the account data is inconsistent with the business system data, it will be marked as an account reconciliation exception and the exception needs to be handled;

[0034] The exception handling module is used to generate exception documents based on the incoming data and the payment amount or payment status is inconsistent, and to handle the exception documents.

[0035] Reconciliation result display module, used to generate detailed reconciliation reports;

[0036] The system specifically implements efficient and secure payment reconciliation and exception handling through the above method.

[0037] The present invention also claims protection for an efficient and secure payment reconciliation and processing device, comprising: at least one memory and at least one processor;

[0038] The at least one memory is used to store a machine-readable program;

[0039] The at least one processor is used to call the machine-readable program to implement the above method.

[0040] The present invention also claims protection for a computer-readable medium having computer instructions stored thereon, which can implement the above method when executed by a processor.

[0041] Compared with the prior art, the efficient and secure payment reconciliation and processing method and system of the present invention has the following beneficial effects:

[0042] Improve reconciliation efficiency: Through automated reconciliation processes and intelligent exception handling, the reconciliation cycle is significantly shortened and reconciliation efficiency is improved.

[0043] Improve user experience: Automated reconciliation process and detailed reconciliation reports reduce manual intervention and improve user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] Figure 1 The present invention is a flowchart of an efficient and secure payment reconciliation and processing method provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0045] The present invention will be further described below in conjunction with specific embodiments.

[0046] The embodiment of the present invention provides an efficient and secure payment reconciliation and processing method, the implementation of which includes: transaction reconciliation, business reconciliation, income reconciliation, exception processing and reconciliation result display;

[0047] The transaction reconciliation is based on the results of the third-party payment system and updates the inconsistent data of the payment center;

[0048] The business reconciliation is based on the transaction reconciliation result, and the business system is notified to modify the inconsistent data;

[0049] The account reconciliation is based on the account data. If the account data is inconsistent with the business system data, it will be marked as an account reconciliation exception and needs to be handled;

[0050] The exception processing is based on the incoming data, and the data with inconsistent payment amount or payment status generates an abnormal document, which is then processed.

[0051] This method achieves comprehensive automation and intelligence of payment reconciliation through automated reconciliation, intelligent difference analysis, real-time security monitoring and other means, significantly improving the efficiency and accuracy of reconciliation.

[0052] The specific implementation is as follows:

[0053] 1. Transaction reconciliation:

[0054] 1.1. Obtain transaction data from payment centers and third-party payment systems;

[0055] 1.2. Compare the data of both parties, take the result of the third-party payment system as the standard, and update the inconsistent data of the payment center;

[0056] 1.3. The comparison results are stored in the reconciliation results table.

[0057] 2. Business reconciliation:

[0058] 2.1、Get data from business system;

[0059] 2.2. Compare the business data and the transaction reconciliation results, take the transaction reconciliation results as the basis, and notify the business system to modify the inconsistent data;

[0060] 2.3. The comparison results are stored (updated) in the reconciliation result table.

[0061] 3. Reconciliation of incoming funds:

[0062] 3.1、Get payment data from third-party payment;

[0063] 3.2. Compare the reconciliation results of the incoming account data and the business reconciliation, and take the incoming account data as the standard. If the incoming account data and the business system data are inconsistent, it will be marked as a reconciliation exception and needs to be handled;

[0064] 3.3. The comparison results are stored (updated) in the reconciliation result table.

[0065] 4. Exception handling:

[0066] 4.1. All results are based on the incoming data. Inconsistent data of payment amount or payment status will generate abnormal documents;

[0067] 4.2. Abnormal document processing, including:

[0068] Automatic processing, notifying relevant personnel after processing is completed;

[0069] Manual processing: notify relevant personnel to perform manual processing.

[0070] 5. Display of reconciliation results:

[0071] Generate detailed reconciliation reports, including reconciliation results, difference analysis, processing measures, etc.

[0072] The method also includes automatic reconciliation: all reconciliation links support automatic and manual methods and can be flexibly processed as needed.

[0073] Integrating this method into the provincial tobacco marketing subsystem payment center, using it in settlement business, and putting it into use in the actual production process can solve the payment reconciliation and exception handling problems mentioned in the background technology and improve the company's financial management efficiency.

[0074] The embodiment of the present invention also provides an efficient and secure payment reconciliation and processing system, which specifically implements efficient and secure payment reconciliation and exception processing through the efficient and secure payment reconciliation and processing method described in the above embodiment.

[0075] The system includes:

[0076] 1. The transaction reconciliation module is used to update inconsistent data in the payment center based on the results of the third-party payment system. The specific implementation method is as follows:

[0077] 1.1. Obtain transaction data from payment centers and third-party payment systems;

[0078] 1.2. Compare the data of both parties, take the result of the third-party payment system as the standard, and update the inconsistent data of the payment center;

[0079] 1.3. The comparison results are stored in the reconciliation results table.

[0080] 2. Business reconciliation module is used to notify the business system to modify inconsistent data based on the transaction reconciliation results. The specific implementation method is as follows:

[0081] 2.1、Get data from business system;

[0082] 2.2. Compare the business data and the transaction reconciliation results, take the transaction reconciliation results as the basis, and notify the business system to modify the inconsistent data;

[0083] 2.3. The comparison results are stored (updated) in the reconciliation result table.

[0084] 3. The account reconciliation module is used to implement the account reconciliation based on the account data. If the account data is inconsistent with the business system data, it will be marked as an account reconciliation exception and needs to be handled. The specific implementation method is as follows:

[0085] 3.1、Get payment data from third-party payment;

[0086] 3.2. Compare the reconciliation results of the incoming account data and the business reconciliation, and take the incoming account data as the standard. If the incoming account data and the business system data are inconsistent, it will be marked as a reconciliation exception and needs to be handled;

[0087] 3.3. The comparison results are stored (updated) in the reconciliation result table.

[0088] 4. Exception processing module is used to realize the generation of abnormal documents based on the incoming data, the payment amount or payment status is inconsistent, and the abnormal documents are processed. The specific implementation method is as follows:

[0089] 4.1. All results are based on the incoming data. Inconsistent data of payment amount or payment status will generate abnormal documents;

[0090] 4.2. Abnormal document processing, including:

[0091] Automatic processing, notifying relevant personnel after processing is completed;

[0092] Manual processing: notify relevant personnel to perform manual processing.

[0093] 5. The reconciliation result display module is used to generate detailed reconciliation reports, including reconciliation results, difference analysis, processing measures, etc.

[0094] All reconciliation links support automatic and manual methods and can be handled flexibly according to needs.

[0095] The embodiment of the present invention also provides an efficient and secure payment reconciliation and processing device, including: at least one memory and at least one processor;

[0096] The at least one memory is used to store a machine-readable program;

[0097] The at least one processor is used to call the machine-readable program to implement the efficient and secure payment reconciliation and processing method described in the above embodiments.

[0098] The embodiment of the present invention further provides a computer-readable medium, on which computer instructions are stored, and when the computer instructions are executed by a processor, the processor executes the efficient and secure payment reconciliation and processing method described in the above embodiment. Specifically, a system or device equipped with a storage medium can be provided, on which software program codes implementing the functions of any of the above embodiments are stored, and a computer (or CPU or MPU) of the system or device reads and executes the program code stored in the storage medium.

[0099] In this case, the program code itself read from the storage medium can realize the function of any one of the above-mentioned embodiments, and thus the program code and the storage medium storing the program code constitute a part of the present invention.

[0100] The storage medium embodiments for providing the program code include a floppy disk, a hard disk, a magneto-optical disk, an optical disk (such as CD-ROM, CD-R, CD-RW, DVD-ROM, DVD-RAM, DVD-RW, DVD+RW), a magnetic tape, a non-volatile memory card, and a ROM. Alternatively, the program code can be downloaded from a server computer by a communication network.

[0101] In addition, it should be clear that the functions of any of the above embodiments can be implemented not only by executing the program code read by the computer, but also by enabling an operating system operating on the computer to complete part or all of the actual operations based on instructions from the program code.

[0102] In addition, it can be understood that the program code read from the storage medium is written to a memory provided in an expansion board inserted into the computer or written to a memory provided in an expansion unit connected to the computer, and then based on the instructions of the program code, a CPU installed on the expansion board or the expansion unit is enabled to perform part or all of the actual operations, thereby realizing the functions of any of the above-mentioned embodiments.

[0103] The present invention is shown and described in detail above through the accompanying drawings and preferred embodiments. However, the present invention is not limited to these disclosed embodiments. Based on the above multiple embodiments, those skilled in the art can know that the code review methods in the above different embodiments can be combined to obtain more embodiments of the present invention, and these embodiments are also within the protection scope of the present invention.

Claims

1. An efficient and secure payment reconciliation and processing method, characterized in that: The implementation of this method includes: transaction reconciliation, business reconciliation, income reconciliation, exception handling and reconciliation result display; The transaction reconciliation is based on the results of the third-party payment system and updates the inconsistent data of the payment center; The business reconciliation is based on the transaction reconciliation result, and the business system is notified to modify the inconsistent data; The account reconciliation is based on the account data. If the account data is inconsistent with the business system data, it will be marked as an account reconciliation exception and needs to be handled; The exception processing is based on the incoming data, and the data with inconsistent payment amount or payment status generates an abnormal document, which is then processed.

2. According to claim 1, an efficient and secure payment reconciliation and processing method is characterized in that: The transaction reconciliation is specifically implemented as follows: 1.1) Obtain transaction data from payment centers and third-party payment systems; 1.2) Compare the data of both parties, take the result of the third-party payment system as the standard, and update the inconsistent data of the payment center; 1.3) The comparison results are stored in the reconciliation results table.

3. According to claim 1, an efficient and secure payment reconciliation and processing method is characterized in that: The business reconciliation is specifically implemented as follows: 2.1) Obtain data from the business system; 2.2) Compare the business data and the transaction reconciliation results, take the transaction reconciliation results as the basis, and notify the business system to modify the inconsistent data; 2.3) The comparison results are stored in the reconciliation results table.

4. According to claim 1, an efficient and secure payment reconciliation and processing method is characterized in that: The specific implementation of the account reconciliation is as follows: 3.1) Obtain payment data from third-party payment; 3.2) Compare the reconciliation results of the incoming account data and the business reconciliation, and take the incoming account data as the standard. If the incoming account data and the business system data are inconsistent, it will be marked as a reconciliation exception and needs to be handled; 3.3) The comparison results are stored in the reconciliation results table.

5. According to claim 1, an efficient and secure payment reconciliation and processing method is characterized in that: The specific implementation of the exception handling is as follows: 4.1) All results are based on the incoming data. Inconsistent data of payment amount or payment status will generate abnormal documents; 4.2) Abnormal document processing, including: Automatic processing, notifying relevant personnel after processing is completed; Manual processing: notify relevant personnel to perform manual processing.

6. An efficient and secure payment reconciliation and processing method according to claim 1, characterized in that: The reconciliation results are displayed and a detailed reconciliation report is generated, including the reconciliation results, difference analysis, and processing measures.

7. The efficient and secure payment reconciliation and processing method according to claim 1, characterized in that: The method also includes automatic reconciliation: all reconciliation links support automatic and manual methods and can be flexibly processed as needed.

8. An efficient and secure payment reconciliation and processing system, characterized in that: include: The transaction reconciliation module is used to update inconsistent data in the payment center based on the results of the third-party payment system; The business reconciliation module is used to notify the business system to modify inconsistent data based on the transaction reconciliation results; The account reconciliation module is used to implement the account reconciliation based on the account data. If the account data is inconsistent with the business system data, it will be marked as an account reconciliation exception and the exception needs to be handled; The exception handling module is used to generate exception documents based on the incoming data and the payment amount or payment status is inconsistent, and to handle the exception documents. Reconciliation result display module, used to generate detailed reconciliation reports; The system specifically implements efficient and secure payment reconciliation and exception handling through the method described in any one of claims 1 to 7.

9. An efficient and secure payment reconciliation and processing device, characterized in that: include: at least one memory and at least one processor; The at least one memory is used to store a machine-readable program; The at least one processor is used to call the machine-readable program to implement the method described in any one of claims 1 to 7.

10. A computer-readable medium, characterized in that The computer readable medium stores computer instructions, which, when executed by a processor, can implement the method described in any one of claims 1 to 7.

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