Clearing data processing method, device and system

Abstract

The invention discloses a liquidation data processing method, device and system, and relates to the technical field of smart finance, and the method comprises the steps: determining a liquidation task corresponding to liquidation request data according to the liquidation request data submitted by a user at a card issuer terminal and a pre-trained task generation model; receiving a query result of the merchant settlement data processing system in a block chain account book according to the card issuer identifier and the settlement data processing time identifier; determining a card issuing party liquidation data processing result corresponding to the card issuing party identifier according to each merchant liquidation data processing result, and sending the card issuing party liquidation data processing result to a bank core system; and receiving an account deduction result of the bank core system on the card issuing party account according to the card issuing party clearing data processing result, updating an account deduction state of the card issuing party according to the account deduction result, and sending the account deduction result to a prepayment card authorization system.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, and can also be used in the field of intelligent finance. In particular, it relates to a clearing data processing method, device and system. Background Art

[0002] In traditional acquiring and clearing, in order to achieve that the consumption on T day is credited to the merchant on T+1 day, the bank often advances funds to credit the merchant first, and then uses the reconciliation system to confirm the account clearing.

[0003] However, on the one hand, when the acquiring bank advances funds, reconciles the accounts after the prior crediting, if problems are found, it is necessary to recover the accounts, and it is often very difficult to recover the accounts from the merchant, resulting in the loss of the bank's funds and low accuracy and security of the clearing data processing; on the other hand, traditional acquiring and clearing only clears at the merchant level, lacking technical support for clearing the issuing party and seriously affecting the efficiency of clearing data processing for the issuing party.

[0004] This part aims to provide background or context for the embodiments of the present invention described in the claims. The description herein is not admitted to be prior art merely because it is included in this part. Summary of the Invention

[0005] In order to solve at least one of the above technical problems, embodiments of the present invention provide a clearing data processing method, device and system to improve the security, accuracy and clearing processing efficiency of clearing data processing.

[0006] In a first aspect, embodiments of the present invention provide a clearing data processing method, including:

[0007] Determine a clearing task corresponding to the clearing request data according to the clearing request data submitted by the user at the issuing party terminal and a pre-trained task generation model, where the clearing task includes an issuing party identifier and a clearing data processing time identifier;

[0008] Receive a query result of the merchant clearing data processing system in the blockchain ledger according to the issuing party identifier and the clearing data processing time identifier, where the query result includes a plurality of merchant identifiers and merchant clearing data processing results corresponding to each merchant identifier;

[0009] Determine an issuing party clearing data processing result corresponding to the issuing party identifier according to each merchant clearing data processing result, and send the issuing party clearing data processing result to the bank core system;

[0010] Receive the debit result of the card-issuing party's account based on the processing result of the card-issuing party's clearing data by the bank core system, update the debit status of the card-issuing party according to the debit result, and send the debit result to the prepaid card authorization system.

[0011] In some alternative ways of this embodiment, after determining the processing result of the card-issuing party's clearing data corresponding to the card-issuing party identifier according to the processing results of each merchant's clearing data, it further includes:

[0012] Generate a batch debit file according to the processing result of the card-issuing party's clearing data, and send the batch debit file to the bank core system.

[0013] In some alternative ways of this embodiment, it further includes:

[0014] Receive the verification result of the card-issuing party's account by the prepaid authorization system according to the debit result, and determine whether there is an abnormality in the card-issuing party according to the verification result, where the verification result is used to characterize the fund status of the card-issuing party's account.

[0015] In some alternative ways of this embodiment, the card-issuing party's account includes a margin account, and determining whether there is an abnormality in the card-issuing party according to the verification result includes:

[0016] Determine whether there is an abnormality in the margin account of the card-issuing party according to the verification result and a pre-trained anomaly detection model;

[0017] If so, generate an anomaly error message and send the anomaly error message to the card-issuing party terminal.

[0018] In some alternative ways of this embodiment, the steps of training the task generation model include:

[0019] Obtain historical clearing request data and perform word segmentation processing on each piece of historical clearing request data to obtain a card-issuing party field and a clearing data processing time field;

[0020] Use the historical clearing request data as the training sample input, and the card-issuing party field and the clearing data processing time field as the training sample output to train the neural network until the neural network meets the preset training criteria to obtain the task generation model.

[0021] In some alternative ways of this embodiment, determining the processing result of the card-issuing party's clearing data corresponding to the card-issuing party identifier according to the processing results of each merchant's clearing data includes:

[0022] Traverse the processing results of each merchant's clearing data based on preset clearing requirements, and remove the processing results of merchant clearing data that do not meet the clearing requirements;

[0023] Based on the processed result of the merchant settlement data after screening, determine the processed result of the issuer settlement data corresponding to the issuer identifier.

[0024] In a second aspect, an embodiment of the present invention provides a method for processing settlement data, including:

[0025] Receive a settlement task corresponding to the settlement request data determined by the issuer settlement data processing system according to the settlement request data submitted by the user at the issuer terminal and a pre-trained task generation model, where the settlement task includes an issuer identifier and a settlement data processing time identifier;

[0026] Query in the blockchain ledger according to the issuer identifier and the settlement data processing time identifier to determine the query result, and send the query result to the issuer settlement data processing system, so that the issuer settlement data processing system determines the processed result of the issuer settlement data corresponding to the issuer identifier according to the processed results of each merchant's settlement data, and sends the processed result of the issuer settlement data to the bank core system; receive the deduction result of the issuer's account by the bank core system according to the processed result of the issuer settlement data, and update the deduction status of the issuer according to the deduction result;

[0027] Wherein, the query result includes multiple merchant identifiers and the processed results of the merchant settlement data corresponding to each merchant identifier.

[0028] In some optional embodiments of this embodiment, it further includes:

[0029] Based on a preset settlement data processing cycle, process the settlement data of the merchants under the issuer to determine the processed results of the merchant settlement data corresponding to each merchant identifier.

[0030] In a third aspect, an embodiment of the present invention provides a settlement data processing system, including an issuer settlement data processing system, a merchant settlement data processing system, and a prepaid card authorization system, where:

[0031] The issuer settlement data processing system is used to determine a settlement task corresponding to the settlement request data according to the settlement request data submitted by the user at the issuer terminal and a pre-trained task generation model, and send the settlement task to the merchant settlement data processing system, where the settlement task includes an issuer identifier and a settlement data processing time identifier;

[0032] The merchant settlement data processing system is used to query in the blockchain ledger according to the issuer identification and the settlement data processing time identification, determine the query result, and send the query result to the issuer settlement data processing system, where the query result includes multiple merchant identifications and the merchant settlement data processing results corresponding to each merchant identification;

[0033] The issuer settlement data processing system is used to determine the issuer settlement data processing result corresponding to the issuer identification according to each merchant settlement data processing result, and send the issuer settlement data processing result to the bank core system; and receive the deduction result of the issuer account by the bank core system according to the issuer settlement data processing result, and update the deduction status of the issuer according to the deduction result and send the deduction result to the prepaid card authorization system;

[0034] The prepaid card authorization system is used to verify the issuer account according to the deduction result, determine the verification result, and send the verification result to the issuer settlement data processing system, where the verification result is used to represent the fund status of the issuer account;

[0035] The issuer settlement data processing system is used to receive the verification result of the issuer account by the prepaid authorization system according to the deduction result, and determine whether there is an abnormality of the issuer according to the verification result.

[0036] In some alternative ways of this embodiment, the merchant settlement data processing system includes:

[0037] The merchant settlement data processing module is used to process the settlement data of the merchants under the issuer based on a preset settlement data processing cycle, determine the merchant settlement data processing results corresponding to each merchant identification, and send the merchant settlement data processing results to the settlement data reconciliation module;

[0038] The settlement data reconciliation module is used to determine whether each merchant settlement data processing result is consistent with the issuer settlement data processing result;

[0039] The merchant batch posting file generation module is used to generate the batch posting files for each merchant based on a preset file generation cycle when it is determined that each merchant settlement data processing result is consistent with the issuer settlement data processing result, and send each batch posting file to the bank core system, where the bank core system includes a merchant batch posting module, which is used to post each merchant based on each batch posting file and send the posting result to the merchant posting status update module;

[0040] A merchant account credit status update module, configured to update the merchant account credit status of each merchant based on each of the account credit results.

[0041] In some optional implementations of this embodiment, the issuer clearing data processing system includes:

[0042] An issuer clearing data processing module, configured to determine an issuer clearing data processing result based on a merchant clearing data processing result, and send the issuer clearing data processing result to an issuer batch debit file generation module;

[0043] An issuer batch debit file generation module, configured to generate an issuer batch debit file according to the issuer clearing data processing result, and send the issuer batch debit file to a bank core system, where the bank core system includes an issuer batch debit module, configured to debit the issuer's issuer account based on the issuer batch debit file, and send the debit result to an issuer debit status update module;

[0044] An issuer debit status update module, configured to update the debit status of the issuer based on the debit result.

[0045] Fourthly, an embodiment of the present invention provides a clearing data processing device, including:

[0046] A clearing task generation unit, configured to determine a clearing task corresponding to the clearing request data according to the clearing request data submitted by a user at an issuer terminal and a pre-trained task generation model, where the clearing task includes an issuer identifier and a clearing data processing time identifier;

[0047] A query result receiving unit, configured to receive a query result of a merchant clearing data processing system in a blockchain ledger according to the issuer identifier and the clearing data processing time identifier, where the query result includes a plurality of merchant identifiers and merchant clearing data processing results corresponding to each of the merchant identifiers;

[0048] An issuer clearing data processing result determination unit, configured to determine an issuer clearing data processing result corresponding to the issuer identifier according to each of the merchant clearing data processing results, and send the issuer clearing data processing result to the bank core system;

[0049] A debit status update unit, configured to receive a debit result of an issuer account by the bank core system according to the issuer clearing data processing result, and update the debit status of the issuer according to the debit result and send the debit result to a prepaid card authorization system.

[0050] Fifthly, an embodiment of the present invention provides a clearing data processing device, including:

[0051] A liquidation task receiving unit, configured to receive a liquidation task corresponding to the liquidation request data submitted by a user at the issuer terminal according to the liquidation request data and a pre-trained task generation model by an issuer liquidation data processing system, where the liquidation task includes an issuer identifier and a liquidation data processing time identifier;

[0052] A query unit, configured to query in a blockchain ledger according to the issuer identifier and the liquidation data processing time identifier to determine a query result;

[0053] A query result sending unit, configured to send the query result to the issuer liquidation data processing system, so that the issuer liquidation data processing system determines an issuer liquidation data processing result corresponding to the issuer identifier according to the liquidation data processing results of each merchant, and sends the issuer liquidation data processing result to a bank core system; receive a deduction result of the issuer account by the bank core system according to the issuer liquidation data processing result, and update the deduction status of the issuer according to the deduction result and send the deduction result to a prepaid card authorization system;

[0054] Wherein, the query result includes a plurality of merchant identifiers and merchant liquidation data processing results corresponding to each of the merchant identifiers.

[0055] In a sixth aspect, an embodiment of the present invention provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, the foregoing method for processing liquidation data is implemented.

[0056] In a seventh aspect, an embodiment of the present invention provides a computer-readable storage medium storing a computer program, and when the computer program is executed by a processor, the foregoing method for processing liquidation data is implemented.

[0057] In an eighth aspect, an embodiment of the present invention provides a computer program product, including a computer program, and when the computer program is executed by a processor, the foregoing method for processing liquidation data is implemented.

[0058] A method, device, and system for processing liquidation data provided by an embodiment of the present invention provide a method for processing liquidation data without advance payment and with deposit linkage through the interaction between an issuer liquidation data processing system, a merchant liquidation data processing system, and a prepaid card authorization system. On the one hand, the accuracy and security of liquidation data processing are improved; on the other hand, dual liquidation of merchants and issuers is realized, effectively improving the efficiency of liquidation data processing. Description of the Drawings

[0059] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the accompanying drawings required for the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, without creative efforts, other drawings can be obtained based on these drawings. In the drawings:

[0060] Figure 1 One of the schematic structural diagrams of a clearing data processing system in an embodiment of the present invention;

[0061] Figure 2 The schematic structural diagram of a merchant clearing data processing system in an embodiment of the present invention;

[0062] Figure 3 The schematic structural diagram of an issuer clearing data processing system in an embodiment of the present invention;

[0063] Figure 4 The schematic operation logic diagram of an issuer clearing data processing system in an embodiment of the present invention;

[0064] Figure 5 One of the schematic flow diagrams of a clearing data processing method in an embodiment of the present invention;

[0065] Figure 6 Two of the schematic flow diagrams of a clearing data processing method in an embodiment of the present invention;

[0066] Figure 7 One of the schematic structural diagrams of a clearing data processing device in an embodiment of the present invention;

[0067] Figure 8 Two of the schematic structural diagrams of a clearing data processing device in an embodiment of the present invention;

[0068] Figure 9 The schematic physical structure diagram of an electronic device provided in an embodiment of the present invention;

[0069] Figure 10 Two of the schematic structural diagrams of a clearing data processing system in an embodiment of the present invention. Detailed implementation manners

[0070] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer and more understandable, the following will further describe the embodiments of the present invention in detail with reference to the accompanying drawings. Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but not to limit the present invention.

[0071] The information collected in the technical solution of this application is information and data authorized by the user or fully authorized by all parties. Moreover, for the processing of relevant data such as collection, storage, use, processing, transmission, provision, disclosure, and application, all comply with the relevant laws, regulations, and standards of the relevant countries and regions. Necessary confidentiality measures are taken, which do not violate public order and good customs, and corresponding operation entrances are provided for users to choose to authorize or refuse.

[0072] In the technical solution of this application, the acquisition, transmission, storage, use, processing, etc. of data all comply with the relevant provisions of national laws and regulations. It should be noted that in the embodiments of this application, some existing industry solutions such as certain software, components, models, etc. may be mentioned. They should be regarded as exemplary, and their purpose is only to illustrate the feasibility in the implementation of the technical solution of this application, but it does not mean that the applicant has already or necessarily used this solution.

[0073] It should be understood that a prepaid card is a payment tool. Users need to recharge a certain amount into the card first and then can use these funds for consumption. Prepaid cards can be used to purchase merchants or services at specific institutions or service providers. Such cards are also known as stored-value cards or consumption cards. Different from postpaid cards, prepaid cards are designed to reduce the default risk of operators. Prepaid cards can be physical cards such as magnetic stripes, chips, etc., or virtual cards based only on passwords. Cardholders can usually recharge the card repeatedly and consume the amount in the card during use. When the amount in the card is exhausted, the use value of the card usually ends accordingly, unless the card is designed to be of a rechargeable type.

[0074] Currently, for traditional acquiring and clearing, in order to achieve that the consumption on T day is credited to the merchant on T + 1 day, banks often advance funds to credit the merchant first, and then confirm the account clearing through the reconciliation system.

[0075] However, on the one hand, when the acquiring bank advances funds, credits first and reconciles later, if problems are found, it is necessary to recover the funds, and it is often very difficult to recover the funds from the merchant, resulting in losses of bank funds and low accuracy and security in the processing of clearing data. On the other hand, traditional acquiring and clearing only clears at the merchant level, lacking technical support for clearing the card-issuing party and seriously affecting the efficiency of processing clearing data of the card-issuing party.

[0076] For this reason, as Figure 1 shown, this application proposes a clearing data processing system, including a card-issuing party clearing data processing system 10, a merchant clearing data processing system 20, and a prepaid card authorization system 30, where:

[0077] The issuer settlement data processing system 10 is used to determine a settlement task corresponding to the settlement request data according to the settlement request data submitted by the user at the issuer terminal and a pre-trained task generation model, and send the settlement task to the merchant settlement data processing system, where the settlement task includes an issuer identifier and a settlement data processing time identifier;

[0078] The merchant settlement data processing system 20 is used to query in the blockchain ledger according to the issuer identifier and the settlement data processing time identifier, determine the query result, and send the query result to the issuer settlement data processing system, where the query result includes a plurality of merchant identifiers and merchant settlement data processing results corresponding to each merchant identifier;

[0079] The issuer settlement data processing system 10 is used to determine an issuer settlement data processing result corresponding to the issuer identifier according to each merchant settlement data processing result, and send the issuer settlement data processing result to the bank core system; and receive the deduction result of the issuer account by the bank core system according to the issuer settlement data processing result, and update the deduction status of the issuer according to the deduction result and send the deduction result to the prepaid card authorization system;

[0080] The prepaid card authorization system 30 is used to verify the issuer account according to the deduction result, determine the verification result, and send the verification result to the issuer settlement data processing system, where the verification result is used to represent the fund status of the issuer account;

[0081] The issuer settlement data processing system 10 is used to receive the verification result of the issuer account by the prepaid authorization system according to the deduction result, and determine whether there is an abnormality in the issuer according to the verification result.

[0082] It should be noted that the settlement data processing system of the embodiment of the present application can not only settle accounts for merchants, but also settle accounts for prepaid card issuing companies; if each prepaid card company is compared to each issuing bank, the role of the prepaid card settlement system is equivalent to both the acquiring bank and UnionPay, which plays a crucial role in expanding and occupying the acquiring share of the market.

[0083] It should be noted that in order to eliminate the settlement risk brought by the advance payment, the settlement data processing system proposed in the embodiment of the present application proposes a double guarantee through the savings account and the deposit account (guarantee account) of the prepaid card company, and links the account information of the prepaid card company to the prepaid card authorization system at the end of each day, and the prepaid card authorization system controls whether the prepaid card of the issuer can be traded. Therefore, the settlement data processing system of the present application does not advance funds, effectively improving the security of settlement data processing.

[0084] In addition, the settlement data processing system proposed in the embodiments of the present application has the function of automatically accumulating the incoming amounts for multiple days. Since the merchant settlement data processing system has implemented the return settlement function, there will be situations where the consumption amount on the same day is insufficient for returns, and there will also be extreme situations where the accounts of the prepaid card company and the deposit account are insufficient to credit the merchant. When the incoming amount of a merchant is negative, the merchant settlement data processing system will accumulate the amount of this merchant until the accumulated amount is positive on a certain day. Then, the merchant settlement data processing system will generate deposit slips and transaction details for transactions over multiple days. For the issuing company of prepaid cards, when the amount in the deposit account or savings account is not enough to deduct, the merchant must also wait. After the funds are in place, the merchants that have not been credited will be credited together, and deposit slips and transaction details will be provided. In addition, the settlement data processing system of the present application has strong flexibility. Business personnel can use it every day or use it irregularly. The settlement data processing system will accumulate and calculate the transaction data for multiple days.

[0085] In addition, the present application proposes a simple and efficient control process for prepaid card settlement. Specifically, the settlement data processing system executes a complete operation process. From the beginning to the end of the day, each step of the operation must be carried out after the previous step is completed. At the end of the day, it is checked whether each account has been completed. If not, the end-of-day operation is not allowed. At the end of the day, tasks such as generating and printing report files are executed to accurately generate and print the settlement results for the same day. Since the prepaid card settlement system does not advance funds, whether the deduction from the prepaid card company is successful determines whether the merchant can be credited, as well as the generation of deposit slips and details. Therefore, the reports of the prepaid card company, the reports of the merchant, and the reports required by the accounting personnel cannot be automatically generated at night, but are generated at the end of the day.

[0086] For the core deduction and crediting part of the issuing party's settlement data processing system, the result information of the core deduction and crediting is transmitted to the settlement data settlement system in the form of a feedback file. Business personnel no longer perform operations such as entry and review on companies and merchants with unsuccessful crediting, providing a new idea for the existing bank card settlement system and greatly reducing the workload of business personnel.

[0087] The settlement data processing system of the embodiments of the present application provides a deposit linkage mechanism. When the balance of the deposit account (guarantee account) of a certain prepaid card company is insufficient, the issuing party's settlement data processing system links with the prepaid card authorization system to terminate the transactions of this card type, thus ensuring the security of prepaid card settlement.

[0088] Prepaid cards issued by prepaid card companies that have signed contracts with acquiring banks can be used for functions such as consumption and returns on the POS machines of the acquiring banks through the prepaid card exchange platform built by the acquiring banks. The acquiring bank conducts fund settlement with the prepaid card company and the special merchant on T+1 day.

[0089] The settlement data processing system of the embodiments of the present application respectively implements the settlement functions between the same merchant and the prepaid card company. Transaction data and merchant data that need to be settled are extracted from the transaction system, and settlement is performed according to set conditions to generate a deposit slip for the merchant and a debit file for the prepaid card company, and the prepaid card company is debited and the merchant is credited through the core system in one line, and various settlement statements are generated at the same time.

[0090] It should be noted that the principle of the settlement data processing system proposed in the embodiments of the present application is that the acquiring bank does not advance funds. Among them, for the settlement principle of the merchant: if the refund amount of the merchant on the same day is greater than the consumption amount, then the merchant will not be credited on the same day, and the merchant will not participate in the settlement on the same day and wait for the settlement result of the next day. Only when the cumulative final settlement amount of the merchant is greater than zero, will the merchant be credited, and the previous settlement information will be recorded as the settlement on the same day; for the settlement principle of the prepaid card company: the settlement results of all merchants participating in the settlement of the issuing company on the same day are totaled. If the total result is less than zero, the prepaid card company's account will not be debited on the same day and wait for the settlement result of the prepaid card company on the next day, otherwise the prepaid card company's account will be debited in batches through the core system.

[0091] In some alternative ways of this embodiment, such as Figure 2 as shown, the merchant settlement data processing system includes:

[0092] A merchant settlement data processing module 201, configured to perform settlement data processing on the merchants under the issuer based on a preset settlement data processing cycle, determine the merchant settlement data processing results corresponding to each merchant identifier, and send the merchant settlement data processing results to the settlement data reconciliation module;

[0093] A settlement data reconciliation module 202, configured to determine whether each merchant settlement data processing result is consistent with the issuer settlement data processing result;

[0094] A merchant batch credit file generation module 203, configured to generate a batch credit file for each merchant based on a preset file generation cycle when it is determined that each merchant settlement data processing result is consistent with the issuer settlement data processing result, and send each batch credit file to the bank core system, where the bank core system includes a merchant batch credit module, configured to credit each merchant based on each batch credit file and send the credit result to the merchant credit status update module;

[0095] A merchant credit status update module 204, configured to update the merchant credit status of each merchant based on each credit result.

[0096] In a specific example, the merchant-side settlement implementation plan is as follows:

[0097] (1) Merchant fund settlement: Settlements are made on a daily basis, with the smallest unit being the merchants under the prepaid card company. The data sources for merchant fund settlement include: consumption transaction records, return transaction records, and merchant information, etc. Merchant fund settlement mainly includes five modules: ① Data preprocessing; ② Consumption settlement module; ③ Return settlement module; ④ Combining the final settlement results of merchants based on the consumption settlement results and return settlement results of merchants; ⑤ Nightly batch processing.

[0098] (2) Reconciliation: Based on the nightly settlement results of the prepaid card settlement system, provide the total amount to be deducted from the prepaid card company on the current day, the total amount of system-external merchant deposits on the current day, the total amount of system-internal merchant deposits on the current day, the total amount of system-internal merchants that were not successfully deposited in the past and are continued to be deposited on the current day, and the total amount of bank handling fees on the current day. According to the result table, it is possible to determine whether the amount in the suspense account is consistent with the total amount of system-internal merchants that were not successfully deposited in the past and are continued to be deposited on the current day; and whether the total amount to be deducted from the prepaid card company on the current day is consistent with the sum of the total amount of system-external merchant deposits on the current day + the total amount of system-internal merchant deposits on the current day + the total amount of bank handling fees on the current day.

[0099] (3) Generate merchant batch deposit files: On a daily basis, generate batch deposit data for each merchant separately; at the same time, the data in the return table is also statistically analyzed by merchant and by day. After subtracting the return transaction amount from the transaction amount, calculate the handling fees according to the rate signed between the prepaid card company and the merchant.

[0100] (4) Merchant batch deposit: Executed by the bank core system. Among them, the batch deposit is divided into the following steps: ① Obtain the batch deposit file; ② Check whether the merchant account and account name match and whether the account status is normal; ③ Display the deposit details for review and confirmation by the business personnel; ④ Make the deposit; ⑤ Generate batch deposit result files, deposit success reports, deposit failure reports, and summary reports; ⑥ Send the deposit results to the merchant deposit status update module in the merchant settlement data processing system.

[0101] (5) Update the status of merchant batch deposit results: Update the deposit status of merchants in the prepaid card settlement system according to the feedback file of the merchant deposit results returned by the bank core system.

[0102] In some alternative embodiments of the present embodiment, as Figure 3 shown, the issuer settlement data processing system includes:

[0103] The issuer settlement data processing module 101 is used to determine the issuer settlement data processing result based on the merchant settlement data processing result and send the issuer settlement data processing result to the issuer batch debit file generation module;

[0104] The card-issuing party batch debit file generation module 102 is used to generate a card-issuing party batch debit file according to the card-issuing party settlement data processing result, and send the card-issuing party batch debit file to the bank core system. Among them, the bank core system includes a card-issuing party batch debit module, which is used to debit the card-issuing party's card-issuing account based on the card-issuing party batch debit file, and send the debit result to the card-issuing party debit status update module;

[0105] The card-issuing party debit status update module 103 is used to update the debit status of the card-issuing party based on the debit result. In a specific example, the implementation plan for the prepaid card company's settlement is as follows:

[0106] (1) Card-issuing party fund settlement: According to the merchant settlement result, summarize and classify the settlement results of all merchants participating in the same-day settlement that belong to the same prepaid card company.

[0107] (2) Generate the prepaid card company debit file: Generate a prepaid card company batch debit file according to the card-issuing party fund settlement result. Among them, if the debit amount is less than zero, it will not be generated in the batch debit file.

[0108] (3) Core prepaid card company batch debit: Executed by the bank core system. Among them, the batch debit is divided into the following steps: ① Obtain the batch debit file; ② Check whether the prepaid card company account, account name match, and whether the account status is normal; ③ Debit; ④ Generate the batch debit result file, debit success report, debit failure report and summary report; ⑤ Send the debit result to the card-issuing party debit status update module in the card-issuing party settlement data processing system.

[0109] (4) Handling of insufficient balance in the prepaid card company's settlement account: When there is insufficient balance in the prepaid card company's settlement account (i.e., savings account), manually deduct the prepaid card company's deposit account, where the prepaid card company's deposit account is opened in the accounting center.

[0110] (5) Update the prepaid card company batch debit result status: Update the debit status of the prepaid card company in the prepaid card settlement system according to the feedback file of the prepaid card company's debit result returned by the bank core system.

[0111] (6) Maintain the margin: When the debit of the prepaid card company's deposit account is successful, it needs to be entered on the client side of the card-issuing party settlement data processing system to record the debit status.

[0112] In a specific example, Figure 4 For the operation logic schematic diagram of the card-issuing party settlement data processing system, see Figure 4 , the process of the card-issuing party settlement data is as follows:

[0113] Every natural day, all consumption and return data of the day are statistically analyzed by merchant from the prepaid card platform. Among them, the settlement amount = total consumption amount - total return amount; it is judged whether the settlement amount is positive. If not, no merchant accounting is carried out, a liquidation unsuccessful list is generated and put on hold; if so, the merchant accounting amount, handling fee amount, bank profit sharing amount, prepaid card company profit sharing amount, etc. are calculated; it is judged whether the balance of the prepaid card company's liquidation account is sufficient for merchant accounting. If so, accounting processing is carried out; if not, the insufficient part is deducted from the prepaid card company's margin account, and the early warning mechanism is started to update the margin.

[0114] It should be noted that after the daily liquidation of the liquidation data processing system of this application, a daily settlement is required, indicating the end of a liquidation cycle. At this time, the merchant limit table needs to be updated. According to the debit result status of the prepaid card company and the result of the deposit deduction account, the prepaid card company's transaction limit table is generated, including the deduction amount, the amount to be liquidated, and the total transaction amount. In case of debit failure of the prepaid card company and also failure of the deposit deduction account, the liquidation system accumulates the amount, and the online exchange system does not need to accumulate the amount. Specifically as follows:

[0115] (1) Prepaid card company online margin file: After the end of a liquidation day, a statement of a liquidation day will be generated, and at the same time, it is necessary to update the prepaid card company margin amount change table in the prepaid card online transaction system; the liquidation system accumulates the debit results of the prepaid card company (issuing party), generates a margin change file at the end of the day, and notifies the prepaid card authorization system to update the system data.

[0116] (2) Generate the prepaid card handling fee file: Generate the acquirer handling fee file according to the debit results of the prepaid card company for business personnel to manually deduct the handling fee from the temporary collection account to the handling fee account.

[0117] (3) Generate the merchant deposit slip: Generate the deposit slip according to the merchant's requirements daily or for multiple days. Generating for multiple days is usually during weekends and holidays, and it is still generated daily on normal working days. For merchants with successful refunds on the same day, the deposit slip is the net difference amount (the result of subtracting the net deduction amount from the merchant's net consumption amount). The conditions and methods for generating the deposit slip are determined by the merchant deposit slip generation method attribute.

[0118] (4) Generate transaction detail data: The merchant prepaid card transaction detail data is generally generated daily, including the consumption data and return data of the same day. For merchants with special requirements, support for generating transaction details for multiple days is provided. Generating for multiple days is usually during weekends and holidays. The transaction details need to provide the total function of return transactions, including: total number of transactions, total return amount, total net return amount, and total rebate fee.

[0119] (5) Summary module: It is required to classify and count the merchant transaction details and receipts of the merchant that have been successfully deposited on the current day and those that have been unsuccessful in the past but have been successfully deposited on the current day, and generate summary receipts and summary details.

[0120] (6) Generate prepaid card company report files: After the settlement of each accounting day, the transaction data of the prepaid card company is generated into a report.

[0121] At this point, the clearing data processing system proposed in the embodiment of the present application has added a new card business clearing mode without advance payment, and adopts a reserve fund method (deposit linkage method) for clearing to avoid the risks of acquiring business and open up the clearing field of card clearing; the concepts of day start and day end in accounting profession are integrated into the design to realize a complete business operation process. From the beginning of the day to the end of the day, each step of operation must be performed after the previous step is completed. The system is used to avoid the occurrence of errors and effectively control operational risks; the system adopts automatic clearing to reduce manual intervention, reduce error rate and also reduce personnel costs; the prepaid card clearing system provides technical support and guarantee for acquiring banks to expand their markets and bring about acquiring benefits.

[0122] The present invention also provides a method for processing liquidation data, as described in the following embodiments. Since the principle of solving the problem by the method for processing liquidation data is similar to that of the liquidation data processing system, the implementation of the method can refer to the implementation of the liquidation data processing system, and the repeated parts will not be repeated.

[0123] like Figure 5 As shown, the embodiment of the present application also provides a clearing data processing method, the execution subject is the clearing data processing system of the card issuer, and the method includes:

[0124] Step 601: Determine a clearing task corresponding to the clearing request data according to the clearing request data submitted by the user at the card issuer terminal and a pre-trained task generation model, wherein the clearing task includes a card issuer identifier and a clearing data processing time identifier.

[0125] In some optional aspects of this embodiment, the step of training the task generation model includes:

[0126] Acquire historical settlement request data and perform word segmentation processing on each of the historical settlement request data to obtain a card issuer field and a settlement data processing time field;

[0127] The historical settlement request data is used as a training sample input, and the card issuer field and the settlement data processing time field are used as training sample outputs, and the neural network is trained until the neural network meets the preset training standard to obtain a task generation model.

[0128] Step 602: Receive the query result in the blockchain ledger by the merchant settlement data processing system according to the issuer identification and the settlement data processing time identification, where the query result includes multiple merchant identifications and the merchant settlement data processing results corresponding to each merchant identification.

[0129] Step 603: Determine the issuer settlement data processing result corresponding to the issuer identification according to each merchant settlement data processing result, and send the issuer settlement data processing result to the bank core system.

[0130] In some alternative embodiments of this embodiment, the determining the issuer settlement data processing result corresponding to the issuer identification according to each merchant settlement data processing result includes:

[0131] Traverse each merchant settlement data processing result based on a preset settlement requirement, and remove the merchant settlement data processing results that do not meet the settlement requirement;

[0132] Determine the issuer settlement data processing result corresponding to the issuer identification based on the filtered merchant settlement data processing results.

[0133] Specifically, since the merchant settlement data processing system has implemented the return settlement function, there may be a situation where the consumption amount on the same day is not sufficient for a return. The preset settlement requirement of this application is that the consumption amount of the merchant is greater than the return amount. Based on this preset settlement requirement, traverse each merchant settlement data processing result and remove the merchant settlement data processing results that do not meet the settlement requirement; further, determine the sum of the filtered merchant settlement data processing results as the issuer settlement data processing result corresponding to the issuer identification.

[0134] It should be noted that when the settlement data processing result is negative (i.e., the consumption amount is less than the return amount), the merchant settlement data processing system will accumulate the amount of this merchant until the accumulated amount is positive on a certain day, and then the merchant settlement data processing system will generate a payment receipt and transaction details for multiple days of transactions.

[0135] Step 604: Receive the account deduction result of the issuer account by the bank core system according to the issuer settlement data processing result, and update the deduction status of the issuer according to the deduction result and send the deduction result to the prepaid card authorization system.

[0136] It should be noted that after the determining the issuer settlement data processing result corresponding to the issuer identification according to each merchant settlement data processing result in step 603, it further includes:

[0137] Generate a batch debit file according to the card-issuing party settlement data processing result, and send the batch debit file to the bank core system.

[0138] It should be noted that after step 604, it further includes:

[0139] Receive the verification result of the card-issuing party account by the prepaid authorization system according to the debit result, and determine whether there is an abnormality of the card-issuing party according to the verification result, where the verification result is used to characterize the fund status of the card-issuing party account.

[0140] Specifically, the prepaid authorization system determines the verification result of the card-issuing party account according to the debit result of the card-issuing party, where the verification result is used to characterize the fund status of the card-issuing party account. For example, when the balance of the card-issuing party account is less than a preset amount, it indicates that there is an abnormality in the card-issuing party account, and it is necessary to suspend the transactions of the prepaid cards under the card-issuing party.

[0141] In a specific example, the card-issuing party account includes a margin account, and determining whether there is an abnormality of the card-issuing party according to the verification result includes:

[0142] Determine whether there is an abnormality in the margin account of the card-issuing party according to the verification result and a pre-trained anomaly detection model; if so, generate an anomaly error message and send the anomaly error message to the card-issuing party terminal.

[0143] Specifically, based on a pre-trained anomaly detection model and the verification result, determine whether the margin account of the card-issuing party is less than the preset amount. If so, generate an anomaly error message and send the anomaly error message to the card-issuing party terminal.

[0144] That is to say, the settlement data processing system of the embodiment of the present application provides a deposit linkage mechanism. When the balance of the deposit account (margin account) of a certain prepaid card company is insufficient, the card-issuing party settlement data processing system links the prepaid card authorization system to terminate the transactions of this card type, thereby ensuring the security of prepaid card settlement.

[0145] A settlement data processing method, device and system provided by an embodiment of the present invention provide a settlement data processing method without advance payment and with deposit linkage through the interaction between the card-issuing party settlement data processing system, the merchant settlement data processing system and the prepaid card authorization system. On the one hand, it improves the accuracy and security of settlement data processing; on the other hand, it realizes the dual settlement of merchants and card-issuing parties, effectively improving the efficiency of settlement data processing.

[0146] As Figure 6 shown, an embodiment of the present application also provides a settlement data processing method, and the execution entity is a merchant settlement data processing system, including:

[0147] Step 701: Receive the settlement task corresponding to the settlement request data determined by the card-issuing party's settlement data processing system based on the settlement request data submitted by the user at the card-issuing party's terminal and a pre-trained task generation model, where the settlement task includes a card-issuing party identifier and a settlement data processing time identifier;

[0148] Step 702: Query in the blockchain ledger according to the card-issuing party identifier and the settlement data processing time identifier, determine the query result, and send the query result to the card-issuing party's settlement data processing system, so that the card-issuing party's settlement data processing system determines the card-issuing party's settlement data processing result corresponding to the card-issuing party identifier according to the settlement data processing results of each merchant, and sends the card-issuing party's settlement data processing result to the bank core system; Receive the deduction result of the card-issuing party's account by the bank core system according to the card-issuing party's settlement data processing result, and update the deduction status of the card-issuing party according to the deduction result;

[0149] Wherein, the query result includes a plurality of merchant identifiers and the merchant settlement data processing results corresponding to each of the merchant identifiers.

[0150] In some optional ways of this embodiment, it further includes:

[0151] Based on a preset settlement data processing cycle, perform settlement data processing on the merchants under the card-issuing party, and determine the merchant settlement data processing results corresponding to each of the merchant identifiers.

[0152] Wherein, the preset settlement data processing cycle can be annual, daily or monthly, and this application does not make any limitation on this.

[0153] As Figure 7 shown, this embodiment of the application also provides a settlement data processing device, including:

[0154] A settlement task generation unit 901, configured to determine a settlement task corresponding to the settlement request data according to the settlement request data submitted by the user at the card-issuing party's terminal and a pre-trained task generation model, where the settlement task includes a card-issuing party identifier and a settlement data processing time identifier;

[0155] A query result receiving unit 902, configured to receive the query result in the blockchain ledger by the merchant settlement data processing system according to the card-issuing party identifier and the settlement data processing time identifier, where the query result includes a plurality of merchant identifiers and the merchant settlement data processing results corresponding to each of the merchant identifiers;

[0156] The card-issuing party settlement data processing result determination unit 903 is configured to determine the card-issuing party settlement data processing result corresponding to the card-issuing party identifier according to each merchant settlement data processing result, and send the card-issuing party settlement data processing result to the bank core system;

[0157] The debit status update unit 904 is configured to receive the debit result of the card-issuing party account by the bank core system according to the card-issuing party settlement data processing result, and update the debit status of the card-issuing party according to the debit result and send the debit result to the prepaid card authorization system.

[0158] As Figure 8 shown, an embodiment of the present application further provides a settlement data processing device, including:

[0159] The settlement task receiving unit 1001 is configured to receive a settlement task corresponding to the settlement request data determined by the card-issuing party settlement data processing system according to the settlement request data submitted by the user at the card-issuing party terminal and a pre-trained task generation model, where the settlement task includes a card-issuing party identifier and a settlement data processing time identifier;

[0160] The query unit 1002 is configured to query in the blockchain ledger according to the card-issuing party identifier and the settlement data processing time identifier to determine a query result;

[0161] The query result sending unit 1003 is configured to send the query result to the card-issuing party settlement data processing system, so that the card-issuing party settlement data processing system determines the card-issuing party settlement data processing result corresponding to the card-issuing party identifier according to each merchant settlement data processing result, and sends the card-issuing party settlement data processing result to the bank core system; receive the debit result of the card-issuing party account by the bank core system according to the card-issuing party settlement data processing result, and update the debit status of the card-issuing party according to the debit result and send the debit result to the prepaid card authorization system;

[0162] wherein, the query result includes a plurality of merchant identifiers and the merchant settlement data processing results corresponding to each merchant identifier.

[0163] It should be noted that a settlement data processing method, device and system provided by an embodiment of the present invention can be used in the financial field, and can also be used in any technical field other than the financial field. The embodiment of the present invention does not limit the application field of a settlement data processing method, device and system.

[0164] According to an embodiment of the present disclosure, the present disclosure further provides an electronic device, a readable storage medium and a computer program product.

[0165] An electronic device includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein, the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform the steps of a liquidation data processing method of the foregoing embodiment.

[0166] A non-transitory computer-readable storage medium storing computer instructions, wherein the computer instructions are used to cause a computer to perform the steps of a liquidation data processing method of the foregoing embodiment.

[0167] A computer program product includes a computer program / instructions, and when the computer program / instructions are executed by a processor, the steps of a liquidation data processing method of the foregoing embodiment are implemented.

[0168] Figure 9 FIG. shows a schematic block diagram of an exemplary electronic device 1200 that can be used to implement the embodiments of the present disclosure. The electronic device is intended to represent various forms of digital computers, such as, a laptop computer, a desktop computer, a workbench, a personal digital assistant, a server, a blade server, a mainframe computer, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as, a personal digital processor, a cellular phone, a smart phone, a wearable device, 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 disclosure described and / or claimed herein.

[0169] As Figure 9 shown, the device 1200 includes a computing unit 1201, which can perform various appropriate actions and processes according to a computer program stored in a read-only memory (ROM) 1202 or a computer program loaded from a storage unit 1208 into a random access memory (RAM) 1203. In the RAM 1203, various programs and data required for the operation of the device 1200 can also be stored. The computing unit 1201, the ROM 1202, and the RAM 1203 are connected to each other through a bus 1204. An input / output (I / O) interface 1205 is also connected to the bus 1204.

[0170] A plurality of components in the device 1200 are connected to the I / O interface 1205, including: an input unit 1206, such as a keyboard, a mouse, etc.; an output unit 1207, such as various types of displays, speakers, etc.; a storage unit 1208, such as a magnetic disk, an optical disk, etc.; and a communication unit 1209, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 1209 allows the device 1200 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0171] The computing unit 1201 can be various general-purpose and / or special-purpose processing components with processing and computing capabilities. Some examples of the computing unit 1201 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various dedicated artificial intelligence (AI) computing chips, various computing units running machine learning model algorithms, a digital signal processor (DSP), and any suitable processor, controller, microcontroller, etc. The computing unit 1201 executes the various methods and processes described above, such as a clearing data processing method.

[0172] For example, in some embodiments, a clearing data processing method can be implemented as a computer software program tangibly embodied in a machine-readable medium, such as the storage unit 1208. In some embodiments, part or all of the computer program can be loaded and / or installed onto the device 1200 via the ROM 1202 and / or the communication unit 1209. When the computer program is loaded into the RAM 1203 and executed by the computing unit 1201, one or more steps of the clearing data processing method described above can be executed. Alternatively, in other embodiments, the computing unit 1201 can be configured to execute a clearing data processing method by any other suitable means (e.g., by means of firmware).

[0173] Various embodiments of the systems and techniques described above in this document 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), system-on-a-chip systems (SOCs), complex programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments can include: 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, and can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit the data and instructions to the storage system, the at least one input device, and the at least one output device.

[0174] The program code for implementing the methods of the present disclosure can be written in any combination of one or more programming languages. These program codes can be provided to a processor or controller of a general-purpose computer, a special-purpose computer, or other programmable data processing device, such that when the program code is executed by the processor or controller, the functions / operations specified in the flowchart and / or block diagram are implemented. The program code can be executed entirely on the machine, partially on the machine, as an independent software package partially on the machine and partially on a remote machine, or entirely on a remote machine or server.

[0175] In the context of this disclosure, a machine-readable medium can be a tangible medium that can contain or store a program for use by or in connection with an instruction execution system, apparatus, or device. A machine-readable medium can be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium can include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, apparatus, or devices, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, 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 disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0176] To provide for interaction with a user, the systems and techniques described herein can be implemented on a computer 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 a trackball) by which the user can provide input to the computer. Other kinds of devices can also be used to provide for interaction with the user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic, speech, or tactile input).

[0177] The systems and techniques described herein can 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 having a graphical user interface or a web browser through which the user can interact with an implementation 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 can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of a communication network include: a local area network (LAN), a wide area network (WAN), and the Internet.

[0178] A computer system may include a client and a server. The client and the server are generally far from each other and usually interact through a communication network. The relationship between the client and the server is generated by computer programs running on the respective computers and having a client-server relationship with each other. The server can be a cloud server, a server of a distributed system, or a server combined with a blockchain.

[0179] In addition, it should be noted that Figure 10 the core front-end system in Figure 10 is the aforementioned bank core system; the parts that need to be manually operated by business personnel are operated in the Windows terminal in

[0180] It should be understood that the various forms of processes shown above can be used, steps can be reordered, added or deleted. For example, the steps described in this disclosure can be executed in parallel, sequentially, or in a different order, as long as the desired results of the technical solution of this disclosure can be achieved, and no limitations are imposed herein.

[0181] The above specific implementation manners do not constitute a limitation on the protection scope of this disclosure. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principle of this disclosure shall be included within the protection scope of this disclosure.

Claims

1. A method for processing clearing data, characterized in that: include: Determine, according to the clearing request data submitted by the user at the card issuer terminal and the pre-trained task generation model, a clearing task corresponding to the clearing request data, wherein the clearing task includes a card issuer identifier and a clearing data processing time identifier; Receiving a query result of the merchant clearing data processing system in the blockchain ledger according to the card issuer identifier and the clearing data processing time identifier, wherein the query result includes multiple merchant identifiers and merchant clearing data processing results corresponding to each of the merchant identifiers; Determine the card issuer clearing data processing result corresponding to the card issuer identifier according to the clearing data processing results of each merchant, and send the card issuer clearing data processing result to the bank core system; Receive the debit result of the card issuer account by the bank core system according to the card issuer clearing data processing result, update the card issuer's debit status according to the debit result, and send the debit result to the prepaid card authorization system.

2. The method for processing liquidation data according to claim 1, characterized in that: After determining the card issuer clearing data processing result corresponding to the card issuer identifier according to the merchant clearing data processing results, the method further includes: A batch debit file is generated according to the card issuer clearing data processing result, and the batch debit file is sent to the bank core system.

3. The method for processing liquidation data according to claim 1, characterized in that: Also includes: Receive the verification result of the card issuer account by the prepaid authorization system according to the deduction result, and determine whether there is any abnormality in the card issuer according to the verification result, wherein the verification result is used to characterize the fund status of the card issuer account.

4. The method for processing liquidation data according to claim 3, characterized in that: The card issuer account includes a security deposit account, and determining whether there is an abnormality in the card issuer according to the verification result includes: Determine whether there is an abnormality in the card issuer's margin account based on the verification result and the pre-trained anomaly detection model; If so, an abnormal error message is generated and sent to the card issuer terminal.

5. The method for processing liquidation data according to claim 1, characterized in that: The steps of training the task generation model include: Acquire historical settlement request data and perform word segmentation processing on each of the historical settlement request data to obtain a card issuer field and a settlement data processing time field; The historical settlement request data is used as a training sample input, and the card issuer field and the settlement data processing time field are used as training sample outputs, and the neural network is trained until the neural network meets the preset training standard to obtain a task generation model.

6. The method for processing liquidation data according to claim 1, characterized in that: The determining, according to each of the merchant clearing data processing results, the card issuer clearing data processing result corresponding to the card issuer identifier comprises: Based on the preset settlement requirements, the settlement data processing results of each merchant are traversed to remove the settlement data processing results of the merchants that do not meet the settlement requirements; Based on the filtered merchant clearing data processing results, the card issuer clearing data processing results corresponding to the card issuer identifier are determined.

7. A method for processing liquidation data, characterized in that: include: Receiving a clearing task corresponding to the clearing request data determined by the clearing data processing system of the card issuer according to the clearing request data submitted by the user at the card issuer terminal and the pre-trained task generation model, wherein the clearing task includes the card issuer identifier and the clearing data processing time identifier; Performing a query in the blockchain ledger according to the card issuer identifier and the clearing data processing time identifier, determining the query result, and sending the query result to the card issuer clearing data processing system, so that the card issuer clearing data processing system determines the card issuer clearing data processing result corresponding to the card issuer identifier according to the clearing data processing results of each merchant, and sends the card issuer clearing data processing result to the bank core system; receiving the debit result of the card issuer account by the bank core system according to the card issuer clearing data processing result, and updating the debit status of the card issuer according to the debit result; The query result includes a plurality of merchant identifiers and merchant clearing data processing results corresponding to each of the merchant identifiers.

8. The method for processing liquidation data according to claim 7, characterized in that: Also includes: Based on a preset clearing data processing cycle, clearing data processing is performed on merchants under the card issuer to determine merchant clearing data processing results corresponding to each merchant identifier.

9. A clearing data processing system, characterized in that: It includes the card issuer clearing data processing system, the merchant clearing data processing system and the prepaid card authorization system, among which: The card issuer clearing data processing system is used to determine the clearing task corresponding to the clearing request data according to the clearing request data submitted by the user at the card issuer terminal and the pre-trained task generation model, and send the clearing task to the merchant clearing data processing system, wherein the clearing task includes the card issuer identifier and the clearing data processing time identifier; The merchant clearing data processing system is used to query the blockchain account book according to the card issuer identifier and the clearing data processing time identifier, determine the query result, and send the query result to the card issuer clearing data processing system, wherein the query result includes multiple merchant identifiers and merchant clearing data processing results corresponding to each of the merchant identifiers; The card issuer clearing data processing system is used to determine the card issuer clearing data processing result corresponding to the card issuer identifier according to the clearing data processing results of each merchant, and send the card issuer clearing data processing result to the bank core system; and receive the debit result of the card issuer account by the bank core system according to the card issuer clearing data processing result, and update the debit status of the card issuer according to the debit result and send the debit result to the prepaid card authorization system; The prepaid card authorization system is used to verify the card issuer's account according to the debit result, determine the verification result, and send the verification result to the card issuer's clearing data processing system, wherein the verification result is used to characterize the fund status of the card issuer's account; The card issuer clearing data processing system is used to receive the verification result of the card issuer account by the prepaid authorization system according to the deduction result, and determine whether there is any abnormality in the card issuer according to the verification result.

10. The clearing data processing system according to claim 9, characterized in that: The merchant clearing data processing system comprises: A merchant clearing data processing module, used to perform clearing data processing on merchants under the card issuer based on a preset clearing data processing cycle, determine the merchant clearing data processing result corresponding to each merchant identifier, and send the merchant clearing data processing result to the clearing data reconciliation module; A clearing data reconciliation module is used to determine whether the clearing data processing results of each merchant are consistent with the clearing data processing results of the card issuer; A merchant batch account entry file generation module is used to generate batch account entry files for each of the merchants based on a preset file generation cycle when it is determined that the clearing data processing results of each of the merchants are consistent with the clearing data processing results of the card issuer, and send each of the batch account entry files to the bank core system, wherein the bank core system includes a merchant batch account entry module, which is used to enter accounts for each of the merchants based on each of the batch account entry files, and send the account entry results to the merchant account entry status update module; The merchant account entry status update module is used to update the merchant account entry status of each merchant based on each account entry result.

11. The clearing data processing system according to claim 9, characterized in that: The card issuer clearing data processing system comprises: The card issuer clearing data processing module is used to determine the card issuer clearing data processing result based on the merchant clearing data processing result, and send the card issuer clearing data processing result to the card issuer batch debit file generation module; A card issuer batch debit file generation module, used for generating a card issuer batch debit file according to the card issuer clearing data processing result, and sending the card issuer batch debit file to the bank core system, wherein the bank core system includes a card issuer batch debit module, used for debiting the card issuer account of the card issuer based on the card issuer batch debit file, and sending the debit result to the card issuer debit status update module; The card issuer's debit status update module is used to update the card issuer's debit status based on the debit result.

12. A liquidation data processing device, characterized in that: include: A clearing task generation unit is configured to determine a clearing task corresponding to the clearing request data according to the clearing request data submitted by the user at the card issuer terminal and a pre-trained task generation model, wherein the clearing task includes a card issuer identifier and a clearing data processing time identifier; A query result receiving unit, configured to receive a query result in the blockchain ledger from the merchant clearing data processing system according to the card issuer identifier and the clearing data processing time identifier, wherein the query result includes multiple merchant identifiers and merchant clearing data processing results corresponding to each of the merchant identifiers; The card issuer clearing data processing result determining unit is configured to determine the card issuer clearing data processing result corresponding to the card issuer identifier according to each of the merchant clearing data processing results, and send the card issuer clearing data processing result to the bank core system; The debit status updating unit is configured to receive the debit result of the card issuer's account from the bank core system according to the card issuer's clearing data processing result, update the card issuer's debit status according to the debit result, and send the debit result to the prepaid card authorization system.

13. A liquidation data processing device, characterized in that: include: A clearing task receiving unit is configured to receive a clearing task corresponding to the clearing request data determined by the clearing data processing system of the card issuer according to the clearing request data submitted by the user at the card issuer terminal and the pre-trained task generation model, wherein the clearing task includes the card issuer identifier and the clearing data processing time identifier; A query unit, configured to query the blockchain account book according to the card issuer identifier and the clearing data processing time identifier, and determine the query result; The query result sending unit is configured to send the query result to the card issuer clearing data processing system, so that the card issuer clearing data processing system determines the card issuer clearing data processing result corresponding to the card issuer identifier according to the clearing data processing results of each merchant, and sends the card issuer clearing data processing result to the bank core system; receives the debit result of the card issuer account by the bank core system according to the card issuer clearing data processing result, updates the debit status of the card issuer according to the debit result, and sends the debit result to the prepaid card authorization system; The query result includes a plurality of merchant identifiers and merchant clearing data processing results corresponding to each of the merchant identifiers.

14. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, a clearing data processing method as described in any one of claims 1 to 8 is implemented.

15. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, a liquidation data processing method according to any one of claims 1 to 8 is implemented.

16. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the clearing data processing method according to any one of claims 1 to 8 is implemented.

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