Financial settlement method and system based on prefabricated verification information

Abstract

The invention belongs to the technical field of data analysis. According to the financial settlement method and system based on the prefabricated verification information, corresponding verification components (namely the prefabricated verification information before settlement and the prefabricated verification information during settlement) are prefabricated on the basis of classification of business bills, two-party handshake verification is carried out on the payment completion part and the payee information, the repeated payment and wrong payment conditions are avoided, and the payment efficiency is improved. The payment security of the settlement system is greatly improved; the final state payment information is verified, and the quantity of the final state payment information of the business report bill returned by the business subsystem is consistent with the quantity of the final state payment information of actual settlement; and when the payment state of each business report bill returned by the business subsystem is consistent with the payment state of each business report bill actually settled by the settlement system, verification succeeds, so that the accuracy of verification before settlement is effectively ensured.

Description

Technical Field

[0001] The present invention relates to the technical field of data analysis, and particularly to a financial settlement method and system based on prefabricated verification information. Background Art

[0002] The statements in this part only provide the background art related to the present invention and do not necessarily constitute the prior art.

[0003] The ERP (Enterprise Resource Planning) system is an information system with management accounting as the core. It can identify and plan enterprise resources, obtain customer orders, complete processing and delivery, and finally receive customer payments. It integrates all internal resources of the enterprise, plans procurement, production, cost, inventory, distribution, transportation, finance, and human resources, so as to achieve the best resource combination and obtain the best benefits.

[0004] When the reimbursement bills filled in by each business system in the ERP system are pushed to the settlement system for settlement, there are cases where some payment information is filled in incorrectly. At this time, it is necessary to return from the settlement system to the business system for modification. When re-pushing to the settlement system, there are two problems: (1) If a part of the business reimbursement bill has been successfully paid, whether the payment status is consistent with the status recorded in the settlement link when re-pushing for settlement processing; (2) After re-pushing to the settlement system, when conducting settlement processing, there may be a situation where the payee information is inconsistent with the payee information of the business system reimbursement bill, thus bringing a greater payment risk. Summary of the Invention

[0005] To solve the deficiencies of the prior art, the present invention provides a financial settlement method and system based on prefabricated verification information. Corresponding verification components (i.e., prefabricated verification information) are prefabricated based on the classification of business reimbursement bills, and handshake verification is performed on the paid part and the payee information to avoid duplicate payments and incorrect payments, greatly improving the payment security of the settlement system.

[0006] To achieve the above object, the present invention adopts the following technical solutions:

[0007] In a first aspect, the present invention provides a financial settlement method based on prefabricated verification information.

[0008] A financial settlement method based on prefabricated verification information includes the following processes:

[0009] Based on the classification of the business bill statement sent by the business subsystem, determine whether pre-settlement pre-verification information is queried. If not, allow the business bill statement to enter the settlement processing link. If so, call the final status payment information of the business bill statement returned by the business subsystem, and verify the final status payment information. When the verification is successful, allow the business bill statement to enter the settlement processing link. When the verification is unsuccessful, return the business bill statement to the business subsystem;

[0010] In the settlement processing link, based on the classification of the business bill statement, determine whether settlement pre-verification information is queried. If not, perform settlement processing; if so, call the key information of the payee of the business bill statement returned by the business subsystem, and verify according to the key information of the payee. When the verification is successful, perform settlement processing. When the verification is unsuccessful, return the business bill statement to the business subsystem.

[0011] As a further limitation of the first aspect of the present invention, calling the final status payment information of the business bill statement returned by the business subsystem includes:

[0012] Obtain and call the business bill statement interface information prefabricated for the business bill statement, so that the business subsystem returns the final status payment information of the business bill statement.

[0013] As a further limitation of the first aspect of the present invention, when verifying the final status payment information, the verification is successful when the following two conditions are met simultaneously, otherwise, the verification fails:

[0014] Condition 1: The quantity of the final status payment information of the business bill statement returned by the business subsystem is consistent with the quantity of the final status payment information of the actual settlement;

[0015] Condition 2: The payment status of each item of the business bill statement returned by the business subsystem is consistent with the payment status of each item of the actual settlement by the settlement system..

[0016] As a further limitation of the first aspect of the present invention, when performing single handling, combined handling, and batch handling in the settlement processing link, group the business bill statements to be processed according to the bill statement type, and use the classification of the business bill statements corresponding to each group as the basis for querying and judging the settlement pre-verification information.

[0017] As a further limitation of the first aspect of the present invention, verifying according to the key information of the payee includes:

[0018] The key information of the payee, including: the receiving account, receiving account number, payee name, settlement method, currency, applied amount, transaction currency, and transaction amount. When all the information of the key information of the payee in the business bill returned by the business subsystem is exactly the same as that of the actual settlement payee key information, the verification is successful; otherwise, the verification fails.

[0019] In a second aspect, the present invention provides a financial settlement system based on prefabricated verification information.

[0020] A financial settlement system based on prefabricated verification information includes:

[0021] A first verification unit, configured to: according to the classification of the business bill sent by the business subsystem, determine whether prefabricated verification information before settlement is queried. If not, allow the business bill to enter the settlement processing link. If so, call the final status payment information of the business bill returned by the business subsystem, and verify the final status payment information. When the verification is successful, allow the business bill to enter the settlement processing link. When the verification is not successful, return the business bill to the business subsystem.

[0022] A second verification unit, configured to: in the settlement processing link, according to the classification of the business bill, determine whether prefabricated verification information during settlement is queried. If not, perform settlement processing. If so, call the key information of the payee of the business bill returned by the business subsystem, and verify according to the key information of the payee. When the verification is successful, perform settlement processing. When the verification is not successful, return the business bill to the business subsystem.

[0023] In a third aspect, the present invention provides a financial settlement system based on prefabricated verification information.

[0024] A financial settlement system based on prefabricated verification information includes:

[0025] A business subsystem and a financial settlement subsystem, the business subsystem and the financial settlement subsystem are communicatively connected to each other;

[0026] The business subsystem respectively configures prefabricated verification information before settlement and prefabricated verification information during settlement for each business bill. The prefabricated verification information before settlement and the prefabricated verification information during settlement have the same structure, and both include: internal code, business classification, call timing, data information of the business bill, and the interface address corresponding to the business bill;

[0027] The financial settlement subsystem is configured to execute the financial settlement method based on prefabricated verification information described in the first aspect of the present invention.

[0028] Fourth aspect, the present invention provides a financial settlement terminal, comprising: a processor and a computer-readable storage medium;

[0029] The processor is adapted to execute a computer program;

[0030] The computer-readable storage medium stores a computer program, and when the computer program is executed by the processor, it implements the financial settlement method based on prefabricated verification information as described in the first aspect of the present invention.

[0031] Fifth aspect, the present invention provides a computer-readable storage medium, which stores a computer program, and the computer program is adapted to be loaded and executed by a processor to implement the financial settlement method based on prefabricated verification information as described in the first aspect of the present invention.

[0032] Sixth aspect, the present invention provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the financial settlement method based on prefabricated verification information as described in the first aspect of the present invention.

[0033] Compared with the prior art, the beneficial effects of the present invention are as follows:

[0034] 1. The present invention innovatively proposes a financial settlement method based on prefabricated verification information. Corresponding verification components (i.e., prefabricated verification information before settlement and prefabricated verification information during settlement) are prefabricated based on the classification of business expense reports, and a two-way handshake verification is performed on the paid part and the payee information to avoid duplicate payments and incorrect payments, greatly improving the payment security of the settlement system.

[0035] 2. The present invention innovatively designs a verification strategy based on prefabricated verification information before settlement to verify the final state payment information. When the quantity of the final state payment information of the business expense report returned by the business subsystem is consistent with the actual settlement final state payment information, and the payment status of each item of the business expense report returned by the business subsystem is consistent with the payment status of each item actually settled by the settlement system, the verification is successful, effectively ensuring the accuracy of the pre-settlement verification.

[0036] 3. The present invention innovatively designs a verification strategy based on prefabricated verification information during settlement. When all the information of the key payee information of the business expense report returned by the business subsystem is completely consistent with the key payee information of the actual settlement, the verification is successful, realizing more accurate verification during settlement and ensuring settlement security.

[0037] 4. When the present invention conducts single handling, combined handling, and batch handling in the settlement process, the business vouchers to be handled are grouped according to the voucher type, and the classification of the business vouchers corresponding to each group is used as the basis for querying and judging the prefabricated verification information. Grouping business vouchers with the same classification greatly improves the verification efficiency and the voucher handling speed.

[0038] Advantages of additional aspects of the present invention will be partially given in the following description, partially become apparent from the following description, or be understood through the practice of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] The accompanying drawings forming a part of this specification are used to provide a further understanding of the present invention. The schematic embodiments and descriptions thereof of the present invention are used to explain the present invention and do not constitute an improper limitation of the present invention.

[0040] Figure 1 It is a flowchart of the financial settlement method based on prefabricated verification information provided in Embodiment 1 of the present invention;

[0041] Figure 2 It is a schematic diagram of a financial settlement system based on prefabricated verification information provided in Embodiment 2 of the present invention;

[0042] Figure 3 It is a schematic diagram of a financial settlement system based on prefabricated verification information provided in Embodiment 3 of the present invention;

[0043] Figure 4 It is a schematic diagram of a computer device provided in Embodiment 4 of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0044] The present invention will be further described below in conjunction with the accompanying drawings and embodiments.

[0045] It should be noted that the following detailed description is exemplary and is intended to provide further explanation of the present invention. Unless otherwise specified, all technical and scientific terms used herein have the same meaning as commonly understood by those of ordinary skill in the technical field to which the present invention belongs.

[0046] Without conflict, the embodiments in the present invention and the features in the embodiments can be combined with each other.

[0047] Embodiment 1:

[0048] Currently, the business bills filled in by each business system of the ERP system (such as the accounts payable system, contract system, online reimbursement system, etc.) are pushed to the settlement system, and the settlement system settles according to the payment details of the business bills. Then, when handling the settlement, whether the information of the payee, such as the payee account number, payment amount, etc., is tampered with by the backend, resulting in inconsistency with the business bills; for some payment details that have been paid, the unpaid details are returned to the business system and pushed to the settlement system again. Whether the paid payment details are tampered with when returned to the business system cannot be guaranteed.

[0049] In view of this, in the above two scenarios, payment reinforcement components (i.e., prefabricated verification information before settlement and prefabricated verification information at the time of settlement) are prefabricated according to the classification of business bills. The table information of the payment reinforcement component information is shown in Table 1.

[0050] Table 1: Payment reinforcement components.

[0051] Table model of payment reinforcement components Description Internal code Unique identifier GUID information of the current data row Business bill type ID Classification corresponding to the business bill Invocation timing of the business bill Invoked before or during the push settlement process SU corresponding to the business bill SU corresponding to the business bill Interface address corresponding to the business bill RPC interface address for invoking the business bill

[0052] Based on the above payment reinforcement component information, this implementation method proposes a financial settlement method based on prefabricated verification information, which is applied separately to the settlement system, as Figure 1 shown, including the following processes:

[0053] S1: According to the classification of the business bills sent by the business subsystem, determine whether the prefabricated verification information before settlement is queried. If not, allow the business bills to enter the settlement handling link. If so, call the final status payment information of the business bills returned by the business subsystem, and verify the final status payment information. When the verification is successful, allow the business bills to enter the settlement handling link. When the verification is unsuccessful, return the business bills to the business subsystem;

[0054] S2: In the settlement handling link, according to the classification of the business bills, determine whether the prefabricated verification information at the time of settlement is queried. If not, perform settlement processing; if so, call the key information of the payee of the business bills returned by the business subsystem, and verify according to the key information of the payee. When the verification is successful, perform settlement processing. When the verification is unsuccessful, return the business bills to the business subsystem.

[0055] In this implementation method, preferably, each business system prefabricates the payment reinforcement component information in Table 1 according to its own business bill classification, and prefabricates the corresponding interface information according to the call timing (before settlement handling and at the time of settlement handling).

[0056] In S1 of this implementation method, specifically, it includes: when the business reimbursement bill is pushed to the settlement system, the settlement system classifies the reimbursement bill and checks whether there is prefabricated verification information before settlement. When no prefabricated verification information before settlement is found according to the classification of the business reimbursement bill, the original state of the system is maintained and the business reimbursement bill is directly allowed to enter the settlement process of the settlement system.

[0057] When prefabricated verification information before settlement is found according to the classification of the business reimbursement bill, the prefabricated interface address of the business reimbursement bill is obtained and called by the settlement system, and the business system returns the final status payment information (payment completed or payment terminated) of the business reimbursement bill. After obtaining the final status payment information of the settlement system, first, compare it with the quantity of the final status payment information actually settled by the settlement system. If they are inconsistent, the settlement system is not allowed to be pushed. Second, compare it with the payment status of each actual settlement of the settlement system. If there is any inconsistency, the settlement system is not allowed to be pushed. Only when both of the above two items are satisfied, the business reimbursement bill is allowed to be pushed into the settlement system.

[0058] When it is prompted that the payment information status is inconsistent, the prompt word can be:

[0059] "BXD2024081700001: Business reimbursement, the payment details status of the single and the fund corresponding document is inconsistent, and it is not allowed to push for settlement processing".

[0060] In S2 of this implementation method, specifically, it includes: for the business reimbursement bill entering the settlement system, when conducting single handling, combined handling, and batch handling in the settlement process of the settlement system, first group the selected business reimbursement bills to be handled according to the bill type, and then check whether there is prefabricated verification information during settlement for each group according to the grouped bill type. When no prefabricated verification information during settlement is found according to the classification of the business reimbursement bill, the business reimbursement bill is allowed to directly perform the handling operation. When prefabricated verification information during settlement is found according to the classification of the business reimbursement bill, the prefabricated interface address of the business reimbursement bill is obtained and called by the settlement system, and the business system returns the key information of the payee of the business reimbursement bill, including: receiving account, receiving account number, receiving account name, settlement method, currency, applied amount, transaction currency, and transaction amount. The settlement system compares each item, and if the information is consistent, settlement processing is allowed; otherwise, it is not allowed.

[0061] When the receiving account number information of the reimbursement bill and the fund corresponding document information is inconsistent, the prompt word can be:

[0062] "The receiving account number information of the reimbursement bill numbered BXD2024081700001 and the fund corresponding document payment details is inconsistent, and it is not allowed to handle!"

[0063] Through the above two payment strengthening components, when the settlement system settles the business bill, it ensures consistency with the payment status information of the business bill and the key information of the payee, greatly improving the payment security of the settlement system.

[0064] Embodiment 2:

[0065] As Figure 2 shown, this implementation provides a financial settlement system based on prefabricated verification information, including:

[0066] A first verification unit, configured to: according to the classification of the business bill sent by the business subsystem, determine whether prefabricated verification information before settlement is queried. If not, allow the business bill to enter the settlement processing link. If so, call the final status payment information of the business bill returned by the business subsystem, and verify the final status payment information. When the verification is successful, allow the business bill to enter the settlement processing link. When the verification is unsuccessful, return the business bill to the business subsystem; the specific working process of this unit can be seen in the introduction of step S1 in Embodiment 1, which will not be elaborated here;

[0067] A second verification unit, configured to: in the settlement processing link, according to the classification of the business bill, determine whether prefabricated verification information during settlement is queried. If not, perform settlement processing. If so, call the key information of the payee of the business bill returned by the business subsystem, and verify according to the key information of the payee. When the verification is successful, perform settlement processing. When the verification is unsuccessful, return the business bill to the business subsystem; the specific working process of this unit can be seen in the introduction of step S2 in Embodiment 1, which will not be elaborated here.

[0068] It can be understood that the above-mentioned each unit can be respectively or all combined into one or several other units to form, or some of them can be further split into multiple smaller units with functional divisions to form, which can achieve the same operation without affecting the realization of the technical effects of the embodiments of the present application. The above units are divided based on logical functions. In practical applications, the function of one unit can also be realized by multiple units, or the functions of multiple units can be realized by one unit. In other embodiments of the present application, the system can also include other units. In practical applications, these functions can also be assisted by other units and can be realized by the cooperation of multiple units.

[0069] According to another embodiment of the present application, the system described in this embodiment can be constructed and the method of Embodiment 1 of the present application can be implemented by running a computer program (including program code) capable of executing the respective steps involved in the corresponding method described in Embodiment 1 on a general computing device such as a computer including processing elements and storage elements such as a central processing unit (CPU), a random access memory (RAM), and a read-only memory (ROM). The computer program can be recorded on, for example, a computer-readable recording medium, loaded into the above computing device through the computer-readable recording medium, and run therein.

[0070] Embodiment 3:

[0071] As Figure 3 shown, this implementation proposes a financial settlement system based on prefabricated verification information, including: a business subsystem and a financial settlement subsystem, and the business subsystem is communicatively connected to the financial settlement subsystem;

[0072] The business subsystem configures payment reinforcement components (i.e., prefabricated verification information before settlement and prefabricated verification information at settlement) for each business bill. The prefabricated verification information before settlement and the prefabricated verification information at settlement have the same structure, and both include: internal code, business classification, call timing, data information of the business bill, and the interface address corresponding to the business bill;

[0073] The financial settlement subsystem is configured to execute the following method:

[0074] According to the classification of the business bill sent by the business subsystem, determine whether prefabricated verification information before settlement is queried. If not, allow the business bill to enter the settlement processing link. If so, call the final status payment information of the business bill returned by the business subsystem, and verify the final status payment information. When the verification is successful, allow the business bill to enter the settlement processing link. When the verification is unsuccessful, return the business bill to the business subsystem;

[0075] In the settlement processing link, according to the classification of the business bill, determine whether prefabricated verification information at settlement is queried. If not, perform settlement processing. If so, call the key information of the payee of the business bill returned by the business subsystem, and verify according to the key information of the payee. When the verification is successful, perform settlement processing. When the verification is unsuccessful, return the business bill to the business subsystem.

[0076] For the specific working details, see the introduction in Embodiment 1 and will not be elaborated here.

[0077] Example 4:

[0078] As shown Figure 4 in the figure, this implementation provides an electronic device, which includes a processor 1001, a communication interface 1002, and a computer-readable storage medium 1003. Among them, the processor 1001, the communication interface 1002, and the computer-readable storage medium 1003 can be connected through a bus or other means.

[0079] Among them, the communication interface 1002 is used to receive and send data. The computer-readable storage medium 1003 can be stored in the memory of the electronic device. The computer-readable storage medium 1003 is used to store a computer program, and the computer program includes program instructions. The processor 1001 is used to execute the program instructions stored in the computer-readable storage medium 1003.

[0080] The processor 1001 (or CPU (Central Processing Unit, central processor)) is the computing core and control core of the electronic device, which is suitable for implementing one or more instructions. Specifically, it is suitable for loading and executing one or more instructions to implement the corresponding method flow or corresponding function.

[0081] The processor 1001 is configured to execute the following process:

[0082] According to the classification of the business bill sent by the business subsystem, determine whether the pre-settlement pre-check information is queried. If not, allow the business bill to enter the settlement process. If so, call the final status payment information of the business bill returned by the business subsystem, and perform a check on the final status payment information. When the check is successful, allow the business bill to enter the settlement process. When the check is unsuccessful, return the business bill to the business subsystem;

[0083] In the settlement process, according to the classification of the business bill, determine whether the pre-settlement pre-check information is queried. If not, perform settlement processing. If so, call the key information of the payee of the business bill returned by the business subsystem, and perform a check according to the key information of the payee. When the check is successful, perform settlement processing. When the check is unsuccessful, return the business bill to the business subsystem.

[0084] For specific working details, see the introduction in Example 1, which will not be elaborated here.

[0085] Example 5:

[0086] This implementation provides a computer-readable storage medium (Memory). The computer-readable storage medium is a memory device in an electronic device and is used to store programs and data. It can be understood that the computer-readable storage medium here can include both the built-in storage medium in the electronic device and, of course, the extended storage medium supported by the electronic device. The computer-readable storage medium provides a storage space, and this storage space stores the processing system of the electronic device.

[0087] Moreover, one or more instructions suitable for being loaded and executed by the processor are also stored in this storage space. These instructions can be one or more computer programs (including program codes). It should be noted that the computer-readable storage medium here can be a high-speed RAM memory or a non-volatile memory, such as at least one disk memory; optionally, it can also be at least one computer-readable storage medium located far from the aforementioned processor.

[0088] In one embodiment, one or more instructions are stored in the computer-readable storage medium; the processor loads and executes one or more instructions stored in the computer-readable storage medium to implement the following process:

[0089] According to the classification of the business bill statements sent by the business subsystem, determine whether pre-settlement pre-verification information is queried. If not, allow the business bill statement to enter the settlement processing link. If so, call the final status payment information of the business bill statement returned by the business subsystem, and verify the final status payment information. When the verification is successful, allow the business bill statement to enter the settlement processing link. When the verification is unsuccessful, return the business bill statement to the business subsystem;

[0090] In the settlement processing link, according to the classification of the business bill statement, determine whether pre-settlement verification information is queried. If not, perform settlement processing; if so, call the key information of the payee of the business bill statement returned by the business subsystem, and verify according to the key information of the payee. When the verification is successful, perform settlement processing. When the verification is unsuccessful, return the business bill statement to the business subsystem.

[0091] For the specific working details, see the introduction in Embodiment 1 and will not be elaborated here.

[0092] Embodiment 6:

[0093] This implementation provides a computer program product or a computer program. The computer program product or the computer program includes computer instructions, and these computer instructions are stored in a computer-readable storage medium. The processor of the electronic device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, enabling the electronic device to perform the following process:

[0094] Based on the classification of the business bill sent by the business subsystem, determine whether the pre-settlement pre-verification information is queried. If not, allow the business bill to enter the settlement processing link. If so, call the final status payment information of the business bill returned by the business subsystem, and verify the final status payment information. When the verification is successful, allow the business bill to enter the settlement processing link. When the verification is unsuccessful, return the business bill to the business subsystem;

[0095] In the settlement processing link, based on the classification of the business bill, determine whether the pre-settlement pre-verification information is queried. If not, perform settlement processing. If so, call the key information of the payee of the business bill returned by the business subsystem, and verify according to the key information of the payee. When the verification is successful, perform settlement processing. When the verification is unsuccessful, return the business bill to the business subsystem.

[0096] For the specific working details, see the introduction in Embodiment 1 and will not be elaborated here.

[0097] Those of ordinary skill in the art can realize that the units and algorithm steps of each example described in combination with the embodiments disclosed in the present application can be implemented by electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are executed in a hardware or software manner depends on the specific application and design constraints of the technical solution. Professional technicians can use different methods to implement the described functions for each specific application, but such implementation should not be considered to exceed the scope of the present application.

[0098] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware, or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the processes or functions according to the embodiments of the present application are generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices. The computer instructions can be stored in a computer-readable storage medium or transmitted through a computer-readable storage medium. The computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center in a wired manner (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or a wireless manner (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that can be accessed by a computer or a data processing device such as a server or a data center that includes one or more integrated available media. The available medium can be a magnetic medium (e.g., floppy disk, hard disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., solid state disk (SSD)), etc.

[0099] The foregoing is only a preferred embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, the present invention can have various changes and modifications. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. A financial settlement method based on prefabricated verification information, characterized in that, It includes the following processes: Based on the classification of the business bill presented by the business subsystem, determine whether pre-settlement pre-verification information is queried. If not, allow the business bill to enter the settlement processing link. If so, call the final status payment information of the business bill returned by the business subsystem, and verify the final status payment information. When the verification is successful, allow the business bill to enter the settlement processing link. When the verification is unsuccessful, return the business bill to the business subsystem; In the settlement processing link, based on the classification of the business bill, determine whether settlement pre-verification information is queried. If not, perform settlement processing; If so, call the key information of the payee of the business bill returned by the business subsystem, and verify according to the key information of the payee. When the verification is successful, perform settlement processing. When the verification is unsuccessful, return the business bill to the business subsystem.

2. The financial settlement method based on pre-verification information according to claim 1, wherein Calling the final status payment information of the business bill returned by the business subsystem includes: Obtain and call the business bill interface information prefabricated for the business bill, so that the business subsystem returns the final status payment information of the business bill.

3. The financial settlement method based on pre-verification information according to claim 1 or 2, wherein When verifying the final status payment information, the verification is successful when the following two conditions are met at the same time, otherwise, the verification fails: Condition 1: The quantity of the final status payment information of the business bill returned by the business subsystem is consistent with the quantity of the final status payment information of the actual settlement; Condition 2: The payment status of each item of the business bill returned by the business subsystem is consistent with the payment status of each item of the actual settlement in the settlement system..

4. The financial settlement method based on pre-verification information according to claim 1, wherein When performing single handling, combined handling, and batch handling in the settlement processing link, group the business bills to be processed according to the bill type, and use the classification of the business bills corresponding to each group as the basis for querying and judging the settlement pre-verification information.

5. The financial settlement method based on pre-verification information according to claim 1 or 4, wherein Verifying according to the key information of the payee includes: The key information of the payee includes: payee account, payee account number, payee name, settlement method, currency, applied amount, transaction currency, and transaction amount. When each item of the key information of the payee of the business bill returned by the business subsystem is exactly the same as each item of the key information of the actual settlement, the verification is successful, otherwise, the verification fails.

6. A financial settlement system based on prefabricated verification information, characterized in that, It includes: The first verification unit is configured to: based on the classification of the business bill presented by the business subsystem, determine whether pre-verification information before settlement is queried. If not, allow the business bill to enter the settlement process. If so, call the final status payment information of the business bill returned by the business subsystem, verify the final status payment information. When the verification is successful, allow the business bill to enter the settlement process. When the verification is unsuccessful, return the business bill to the business subsystem; The second verification unit is configured to: during the settlement process, based on the classification of the business bill, determine whether pre-verification information during settlement is queried. If not, perform settlement processing; If so, call the key information of the payee of the business bill returned by the business subsystem, and verify according to the key information of the payee. When the verification is successful, perform settlement processing. When the verification is unsuccessful, return the business bill to the business subsystem.

7. A financial settlement system based on prefabricated verification information, characterized in that, It includes: A business subsystem and a financial settlement subsystem, where the business subsystem and the financial settlement subsystem are communicatively connected to each other; The business subsystem respectively configures pre-verification information before settlement and pre-verification information during settlement for each business bill. The pre-verification information before settlement and the pre-verification information during settlement have the same structure, and both include: internal code, business classification, call timing, data information of the business bill, and the interface address corresponding to the business bill; The financial settlement subsystem is configured to execute the financial settlement method based on pre-verification information according to any one of claims 1-5.

8. A financial settlement terminal, characterized in that It includes: A processor and a computer-readable storage medium; The processor is adapted to execute a computer program; The computer-readable storage medium stores a computer program. When the computer program is executed by the processor, it implements the financial settlement method based on pre-verification information according to any one of claims 1 to 5.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, and the computer program is adapted to be loaded and executed by the processor to implement the financial settlement method based on pre-verification information according to any one of claims 1 to 5.

10. A computer program product, characterized in that, The computer program product includes a computer program. When the computer program is executed by the processor, it implements the financial settlement method based on pre-verification information according to any one of claims 1 to 5.

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