Intelligent settlement data management method and system

Abstract

The present application relates to the technical field of data processing, and discloses an intelligent settlement data management method. The method comprises: upon reception of a return request sent by a customer terminal, a settlement data center sending a clearing request to a supply terminal, and when the supply terminal responds, the settlement data center receiving a supplier report; the data settlement center performing return order marking by means of the return request, and determining whether an order state is a settled state; if the order state is an unsettled state, performing automatic reconciliation by means of the supplier report, and if no discrepancies are present in an automatic reconciliation result, generating a pending settlement order; on the basis of a process chain distributed settlement model, calculating an estimated settlement statement report; and synchronizing the pending settlement order and the estimated settlement statement report to the customer terminal, and upon reception of a first settlement confirmation instruction sent by the customer terminal, the settlement data center generating a settlement statement report. Also disclosed is an intelligent settlement data management system.

Description

Intelligent settlement data management method and system TECHNICAL FIELD

[0001] The present application relates to the technical field of data processing, in particular to an intelligent settlement data management method and system. BACKGROUND

[0002] With the rapid development of information technology and continuous innovation of business models, modern business transactions are increasingly diverse and complex. Under this background, the management and processing of settlement data have become an indispensable part of the business transaction process. In the prior art, after the supplier order is successfully transacted, the customer can perform a return operation at any time because there is no final return period limit. Some suppliers do not provide a real-time query interface for the price of goods, and the supplier has a lag in obtaining the price of goods. The customer's adjustment of the rate is a non-real-time operation, and the historical rate can be adjusted. If the result returned by the order interface provided by the supplier is correct, it does not mean that the order can be successfully shipped. A small number of successfully ordered orders will be canceled by the supplier. The above situations will cause a certain lag in order information, that is, there will be some orders whose price or status will change after the settlement is completed, which will result in inaccurate settlement data and cannot meet the needs of modern business for efficient and accurate settlement.

[0003] SUMMARY

[0004] The embodiments of the present application provide an intelligent settlement data management method and system, which solves the technical problem of inaccurate settlement data caused by the change of the price of some orders after the settlement is completed in the prior art.

[0005] In view of the above problems, the embodiments of the present application provide an intelligent settlement data management method and system.

[0006] The first aspect of the embodiments of the present application provides an intelligent settlement data management method, which comprises:

[0007] After receiving the return request issued by the customer terminal, the settlement data center sends a settlement request to the supply terminal, and after the settlement request is responded by the supply terminal, the supplier report is received;

[0008] The settlement data center marks the return order through the return request, and after the marking of the return order is completed, it is judged whether the order status is settled or not;

[0009] If the order status is not settled, the automatic reconciliation is performed through the supplier report, and if there is no difference item in the automatic reconciliation result, the settlement order is generated after receiving the list confirmation instruction issued by the customer terminal.

[0010] The computing module is configured to calculate an estimated settlement report based on a process chain distributed settlement model in an edge data center corresponding to the supply terminal.

[0011] The settlement data center synchronizes the settlement order to be settled and the estimated settlement report to the customer terminal, and generates a settlement report after receiving a first confirmation settlement instruction from the customer terminal.

[0012] In a second aspect, the application provides an intelligent settlement data management system, which comprises:

[0013] The receiving module is configured to receive a return request from the customer terminal at the settlement data center, send a clearing request to the supply terminal at the settlement data center, and receive a supplier report after the clearing request is responded to by the supply terminal.

[0014] The judgment module is configured to mark a return order by the settlement data center through the return request, and determine whether the order status is settled after the marking of the return order is completed.

[0015] The settlement module is configured to perform automatic reconciliation through the supplier report if the order status is not settled, and generate a settlement order to be settled after receiving a list confirmation instruction from the customer terminal if there is no difference item in the automatic reconciliation result.

[0016] The computing module is configured to calculate an estimated settlement report based on a process chain distributed settlement model in an edge data center corresponding to the supply terminal.

[0017] The report generation module is configured to synchronize the settlement order to be settled and the estimated settlement report to the customer terminal at the settlement data center, and generate a settlement report after receiving a first confirmation settlement instruction from the customer terminal.

[0018] One or more technical solutions provided in the application have at least the following technical effects or advantages:

[0019] After the settlement data center receives the return request of the customer terminal, the settlement data center sends a clearing request to the supply terminal and receives the supplier report after the supply terminal responds. The settlement data center marks the return order by the return request and judges whether the order state is settled. If the order state is not settled, the automatic reconciliation is performed and the to-be-settled order is generated in the case of no difference item, and the customer terminal is confirmed. Based on the edge data center process chain distributed settlement model of the supply terminal, the estimated settlement order report is calculated. The settlement data center synchronizes the to-be-settled order and the estimated settlement order report to the customer terminal, and generates the settlement order report after receiving the first confirmation settlement instruction of the customer terminal. The technical problem of inaccurate settlement data caused by the change of the price of some orders after the clearing is completed in the prior art is solved, and the technical effects of improving the accuracy and timeliness of the settlement data are achieved. BRIEF DESCRIPTION OF DRAWINGS

[0020] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiment description will be briefly introduced. Obviously, the drawings in the following description are only some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creative labor.

[0021] Fig. 1 is a flow diagram of an intelligent settlement data management method provided by an embodiment of the present application;

[0022] Fig. 2 is a structural diagram of an intelligent settlement data management system provided by an embodiment of the present application.

[0023] Explanation of reference signs: receiving module 11, judging module 12, settlement module 13, calculation module 14, report generation module 15. DETAILED DESCRIPTION

[0024] The embodiments of the present application provide an intelligent settlement data management method and system, which solve the technical problem of inaccurate settlement data caused by the change of the price of some orders after the clearing is completed in the prior art.

[0025] The technical solutions in the embodiments of the present application will be described clearly and completely in combination with the drawings in the embodiments of the present application. Obviously, the described embodiments are only some embodiments of the present application, not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative labor are within the scope of protection of the present application.

[0026] It is to be understood that the terms "including", "comprising", "having" and their conjugates mean "including but not limited to", "comprising but not limited to", "having but not limited to", and conjugates thereof, respectively.

[0027] Embodiment one

[0028] As shown in FIG. 1, the present application provides an intelligent settlement data management method, wherein the method comprises:

[0029] After receiving the return request sent by the customer terminal, the settlement data center sends a clearing request to the supply terminal. After the clearing request is responded by the supply terminal, the supplier report is received.

[0030] The settlement data center is a central system responsible for processing transaction data and settlement transactions. After receiving and processing the return request sent by the customer terminal, the settlement data center sends a clearing request to the supply terminal. The supply terminal responds to the clearing request and performs corresponding clearing operations. Once the supply terminal responds, the settlement data center receives the supplier report, which contains detailed data and information after clearing.

[0031] The settlement data center marks the return order through the return request. After the return order marking is completed, it is determined whether the order status is settled.

[0032] The settlement data center will mark the corresponding return order in the system according to the return request sent by the customer terminal, ensuring that the order and the return request can be matched. After the return order marking is completed, the order status will be checked. The settlement data center will verify whether the order has been settled, i.e. check the payment, account records and other information to determine the settlement status of the order.

[0033] If the order status is not settled, the supplier report is used for automatic reconciliation. If there is no difference item in the automatic reconciliation result, after receiving the list confirmation instruction sent by the customer terminal, the pending settlement order is generated.

[0034] When the order status is unsettled, the settlement data center will perform automatic reconciliation through the supplier statement. During automatic reconciliation, the system will compare the order information and the data in the supplier statement to ensure consistency. If the automatic reconciliation result shows no discrepancy items, i.e., the order data and the supplier statement data are completely matched, the settlement data center will wait for the list confirmation instruction from the customer terminal to confirm the accuracy of the customer's order and settlement information. After confirming the list confirmation instruction from the customer terminal, the settlement data center will generate the pending settlement order. Through automatic reconciliation and pending settlement order generation, the settlement data center can improve settlement efficiency, reduce human error, and ensure the accuracy of order settlement.

[0035] Based on the process chain distributed settlement model in the edge data center corresponding to the supplier terminal, calculate the estimated settlement statement;

[0036] The edge data center will collect transaction data, order information, and settlement-related data from the supplier terminal. Through the process chain distributed settlement model, the edge data center will perform the necessary calculation and processing of the integrated data for settlement. Based on the processed and calculated data, the edge data center will generate an estimated settlement statement, which typically includes transaction details, fee details, settlement amount, etc.

[0037] Further, based on the process chain distributed settlement model in the edge data center corresponding to the supplier terminal, the method comprises:

[0038] Connect to the supplier terminal in the edge data center through a secure authentication method to obtain historical data, wherein the historical data includes settlement base elements, time series characteristics, and the settlement base elements include quantity data, transaction data, price data, transaction fee data, and settlement method;

[0039] Based on the settlement base elements, extract transaction batch-related features from the historical data according to the transaction batch, and the transaction batch-related features include settlement transaction-related features, return transaction-related features, and adjustment transaction-related features;

[0040] Based on the transaction batch-related features, construct the process chain distributed settlement model.

[0041] Connect the supplier terminal to the edge data center through a secure authentication method (such as identity verification, encrypted communication, etc.) to obtain historical data. Historical data includes settlement base elements, time series characteristics, and settlement base elements include quantity data, transaction data, price data, transaction fee data, and settlement method. According to the transaction batch, extract transaction batch-related features from the historical data, and the transaction batch-related features include settlement transaction-related features, return transaction-related features, and adjustment transaction-related features. Based on the extracted transaction batch-related features, construct the process chain distributed settlement model.

[0042] Further, based on the transaction batch association characteristics, a process chain distributed settlement model is constructed, and the method comprises:

[0043] The settlement transaction association characteristics in the transaction batch association characteristics are taken as transaction panoramic nodes, and the adjustment transaction association characteristics in the transaction batch association characteristics are generated according to the association relationship of the transaction panoramic nodes to generate a transaction panoramic image;

[0044] Based on the transaction panoramic image, the return transaction association characteristics in the transaction batch association characteristics are serially aligned according to the time sequence characteristics to determine a plurality of process chain sub-nodes;

[0045] The process chain distributed settlement model is constructed through the plurality of process chain sub-nodes.

[0046] The settlement transaction association characteristics are selected from the transaction batch association characteristics as the transaction panoramic nodes, which represent the key settlement links in the transaction and constitute the skeleton of the transaction panoramic image. According to the association relationship between these transaction panoramic nodes, the adjustment transaction association characteristics are integrated to generate a transaction panoramic image. The transaction panoramic image will provide a complete view of the entire transaction process, including the relationship between settlement and adjustment. According to the information in the transaction panoramic image, the return transaction association characteristics are serially aligned according to the time sequence characteristics to determine a plurality of process chain sub-nodes. The process chain sub-nodes represent transaction information at different stages or change points, which helps better understand the return situation in the transaction process. Based on the generated transaction panoramic image and the plurality of process chain sub-nodes, the process chain distributed settlement model can be constructed.

[0047] Further, the transaction batch association characteristics include return transaction association characteristics, and the method comprises:

[0048] If the order status is settled, a return order is generated;

[0049] Based on the return order, a return order report is output, and the settlement basic elements and the return order report are deeply analyzed to obtain the return transaction association characteristics.

[0050] If the order status is settled, a return order is generated. The return order contains details of returned goods, quantity, original order information, etc. Based on the generated return order, a return order report is output, which includes detailed information of returned goods, return reason, return amount, etc. The settlement basic elements and the return order report are deeply analyzed. By comparing the settlement basic elements and the return order information, the return transaction association characteristics such as return rate, return amount proportion, common return reasons, etc. can be obtained.

[0051] Further, the transaction batch correlation feature includes an adjustment transaction correlation feature, and the method includes:

[0052] Automatically reconciling through the supplier statement, and if there is at least one difference item in the automatic reconciliation result, uploading a difference statement;

[0053] Determining whether the order status is settled, and if the order status is settled, generating an adjustment order;

[0054] Based on the adjustment order, outputting an adjustment order statement, and performing in-depth analysis on the adjustment order statement and the settlement basis element to obtain the adjustment transaction correlation feature.

[0055] By comparing the data in the supplier statement with the data recorded in the settlement data center, automatically checking the transaction information, if there is at least one difference item in the automatic reconciliation result, that is, the data in the supplier statement is inconsistent with the data in the settlement data center, then these difference items are sorted into a difference statement and uploaded to the system. If the order status is settled, but the automatic reconciliation finds a difference item, it means that the previous settlement may have problems and needs to be adjusted, and then an adjustment order is generated to correct the difference item. Perform in-depth analysis on the settlement basis element and the adjustment order statement, analyze the transaction information in the adjustment order, and extract the adjustment transaction correlation feature, such as the type, frequency, and amount of adjustment, etc.

[0056] Further, determining whether the order status is settled, and if the order status is settled, generating an adjustment order, the method includes:

[0057] If the order status is not settled, after modifying the order price, a supplementary settlement pending order is generated after receiving the list confirmation instruction issued by the client terminal;

[0058] The settlement data center synchronizes the supplementary settlement pending order to the client terminal, and after receiving the second confirmation settlement instruction issued by the client terminal in the settlement data center, an updated settlement order statement is generated.

[0059] If the order status is not settled, after modifying the order price, wait to receive the list confirmation instruction from the client terminal, once the list confirmation instruction issued by the client terminal is received, a supplementary settlement pending order is generated, which contains updated price information and other necessary order details. The settlement data center synchronizes the generated supplementary settlement pending order to the client terminal, ensuring that the client terminal can timely receive and process the supplementary settlement pending order. After the client terminal receives the supplementary settlement pending order, wait for the client terminal to issue a second confirmation settlement instruction. After receiving the second confirmation settlement instruction from the client terminal, an updated settlement order statement is generated, which contains the latest settlement information, including the modified order price and other contents.

[0060] Further, the plurality of process chain sub-nodes are used to build the process chain distributed settlement model, and the method further includes:

[0061] Based on the transaction activities of the plurality of process chain sub-nodes, in combination with the settlement mode in the settlement basic elements, the risk control module is used to evaluate the risk level in real time;

[0062] Based on the risk level evaluation results corresponding to the transaction activities of the plurality of process chain sub-nodes, the abnormal transaction behavior is screened by comparing with the preset risk level;

[0063] If the abnormal transaction behavior is found, a transaction suspension request is generated, and the corresponding process chain sub-node is interrupted by using the transaction suspension request, and the transaction suspension request belongs to a non-masked interruption request.

[0064] In combination with the transaction activities of the plurality of process chain sub-nodes and the settlement mode in the settlement basic elements, the risk control module is used to evaluate the risk level in real time. The risk control module considers the characteristics of the transaction activities, the settlement mode, and other related factors, so as to determine the risk level of each transaction. Based on the risk level evaluation results corresponding to the transaction activities of the plurality of process chain sub-nodes, the abnormal transaction behavior is screened by comparing with the preset risk level. By comparing the actual risk level with the preset risk level, it can be determined whether there is an abnormal transaction behavior. If the abnormal transaction behavior is found, the system will generate a transaction suspension request. Executing the transaction suspension request means that the system will interrupt the related process chain sub-node and suspend the corresponding transaction activity. The transaction suspension belongs to a non-masked interruption request, that is, the system will immediately stop the related process to ensure the control and processing of the risk.

[0065] The settlement data center synchronizes the to-be-settled order and the estimated settlement single report to the customer terminal. After the settlement data center receives the first confirmation settlement instruction issued by the customer terminal, a settlement single report is generated.

[0066] The settlement data center synchronizes the to-be-settled order and the estimated settlement single report to the customer terminal. After the settlement data center receives the first confirmation settlement instruction issued by the customer terminal, a settlement single report is generated.

[0067] In summary, the embodiments of the present application have at least the following technical effects:

[0068] After receiving the return request of the customer terminal, the settlement data center sends a clearing request to the supply terminal, and receives the supplier report after the supply terminal responds. The settlement data center marks the return order through the return request, and judges whether the order state is settled. If the order state is not settled, automatic reconciliation is performed and a pending settlement order is generated in the case of no difference item, pending confirmation by the customer terminal. Based on the process chain distributed settlement model in the edge data center of the supply terminal, an estimated settlement report is calculated. The settlement data center synchronizes the pending settlement order and the estimated settlement report to the customer terminal, and generates a settlement report after receiving the first confirmation settlement instruction from the customer terminal. The technical problem of inaccurate settlement data caused by price changes after some orders have been cleared in the prior art is solved, and the technical effects of improving the accuracy and timeliness of settlement data are achieved.

[0069] Embodiment two

[0070] Based on the same inventive concept as the intelligent settlement data management method in the foregoing embodiments, as shown in FIG. 2, the present application provides an intelligent settlement data management system, and the system and method embodiments in the present application are based on the same inventive concept. The system comprises:

[0071] The receiving module 11 is configured to receive a return request from a customer terminal at a settlement data center, and send a clearing request to a supply terminal. After the clearing request is responded by the supply terminal, the supplier report is received.

[0072] The judgment module 12 is configured to mark a return order through the return request at the settlement data center, and judge whether the order state is settled after the return order marking is completed.

[0073] The settlement module 13 is configured to perform automatic reconciliation through the supplier report if the order state is not settled. If there is no difference item in the automatic reconciliation result, a pending settlement order is generated after receiving the list confirmation instruction from the customer terminal.

[0074] The calculation module 14 is configured to calculate an estimated settlement report based on the process chain distributed settlement model in the edge data center corresponding to the supply terminal.

[0075] The report generation module 15 is configured to synchronize the pending settlement order and the estimated settlement report to the customer terminal at the settlement data center. After receiving the first confirmation settlement instruction from the customer terminal, a settlement report is generated.

[0076] Further, the calculation module 14 is configured to perform the following method:

[0077] acquiring historical data by connecting to the supply terminal in the edge data center through a secure authentication method, wherein the historical data includes settlement basis elements and time series characteristics, and the settlement basis elements include quantity data, transaction data, price data, transaction fee data, and settlement methods;

[0078] extracting transaction batch-related features from the historical data according to transaction batches based on the settlement basis elements, wherein the transaction batch-related features include settlement transaction-related features, return transaction-related features, and adjustment transaction-related features;

[0079] constructing the process chain distributed settlement model based on the transaction batch-related features.

[0080] Further, the computing module 14 is configured to perform the following method:

[0081] treating the settlement transaction-related features in the transaction batch-related features as transaction panoramic nodes, and generating a transaction panoramic image according to the association relationship of the transaction panoramic nodes based on the adjustment transaction-related features in the transaction batch-related features;

[0082] serially aligning the return transaction-related features in the transaction batch-related features according to the time series characteristics based on the transaction panoramic image, and determining a plurality of process chain sub-nodes;

[0083] constructing the process chain distributed settlement model through the plurality of process chain sub-nodes.

[0084] Further, the computing module 14 is configured to perform the following method:

[0085] judging whether the order status is settled, and generating a return order if the order status is settled;

[0086] outputting a return order report based on the return order, and performing in-depth analysis on the return order report and the settlement basis elements to obtain the return transaction-related features.

[0087] Further, the computing module 14 is configured to perform the following method:

[0088] performing automatic reconciliation through the supplier report, and uploading a difference report if there is at least one difference item in the automatic reconciliation result;

[0089] judging whether the order status is settled, and generating an adjustment order if the order status is settled;

[0090] outputting an adjustment order report based on the adjustment order, and performing in-depth analysis on the adjustment order report and the settlement basis elements to obtain the adjustment transaction-related features.

[0091] Further, the computing module 14 is configured to execute the following method:

[0092] If the order status is not settled, after modifying the order price, the system generates a supplementary settlement order after receiving the list confirmation instruction from the client terminal.

[0093] The settlement data center synchronizes the supplementary settlement order to the client terminal, and generates an updated settlement report after receiving the second confirmation settlement instruction from the client terminal.

[0094] Further, the computing module 14 is configured to execute the following method:

[0095] Based on the transaction activities of the plurality of process chain sub-nodes, in combination with the settlement mode in the settlement basic element, the risk control module is used to evaluate the risk level in real time;

[0096] Based on the risk level evaluation results corresponding to the transaction activities of the plurality of process chain sub-nodes, the abnormal transaction behavior is screened by comparing with the preset risk level.

[0097] If the abnormal transaction behavior is found, a transaction suspension request is generated, and the corresponding process chain sub-node is interrupted by using the transaction suspension request, and the transaction suspension request belongs to a non-masked interrupt request.

[0098] It should be noted that the above-mentioned sequence of the embodiments of the present application is only for description, and does not represent the advantages and disadvantages of the embodiments. And the above describes a specific embodiment of the present application. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be executed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multi-task processing and parallel processing are possible or can be advantageous.

[0099] The above only describes the preferred embodiments of the present application, and does not limit the present application. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

[0100] The present application is only an exemplary description of the present application, and is considered to cover any and all modifications, changes, combinations or equivalents within the scope of the present application. Obviously, those skilled in the art can make various modifications and changes to the present application without departing from the scope of the present application. Thus, if these modifications and changes of the present application belong to the scope of the present application and its equivalents, the present application intends to include these modifications and changes.

Claims

1. An intelligent settlement data management method, characterized in that: The method comprises: After the settlement data center receives the return request from the customer terminal, the settlement data center sends a settlement request to the supplier terminal, and after the settlement request is responded to by the supplier terminal, receives the supplier report; The settlement data center marks the return order based on the return request, and after the return order marking is completed, determines whether the order status is settled; If the order status is unsettled, an automatic reconciliation is performed through the supplier report. If there are no discrepancies in the automatic reconciliation result, an order to be settled is generated after receiving a list confirmation instruction from the client terminal; Calculate an estimated settlement statement based on a process chain distributed settlement model in an edge data center corresponding to the supply terminal; The settlement data center synchronizes the pending settlement order and the estimated settlement statement to the client terminal, and generates a settlement statement after the settlement data center receives the first settlement confirmation instruction issued by the client terminal.

2. An intelligent settlement data management method according to claim 1, characterized in that: Based on a process chain distributed settlement model in an edge data center corresponding to the supply terminal, the method includes: Connecting to the edge data center of the supply terminal through a secure authentication method to obtain historical data, wherein the historical data includes settlement basic elements and time series characteristics, and the settlement basic elements include quantity data, transaction data, price data, transaction fee data, and settlement method; Based on the settlement basic elements, extracting transaction batch correlation features from the historical data according to transaction batches, the transaction batch correlation features including settlement transaction correlation features, return transaction correlation features, and adjustment transaction correlation features; Based on the transaction batch association characteristics, the process chain distributed settlement model is constructed.

3. An intelligent settlement data management method according to claim 2, characterized in that: Based on the transaction batch association characteristics, the process chain distributed settlement model is constructed, and the method includes: Using the settlement transaction association feature in the transaction batch association feature as a transaction panorama node, and using the adjustment transaction association feature in the transaction batch association feature according to the association relationship of the transaction panorama node to generate a transaction panorama portrait; Based on the transaction panoramic portrait, the return transaction correlation features in the transaction batch correlation features are serially aligned according to the time series characteristics to determine multiple process chain nodes; The process chain distributed settlement model is constructed through the multiple process chain sub-nodes.

4. An intelligent settlement data management method according to claim 2, characterized in that: The transaction batch association feature includes a return transaction association feature, and the method includes: Determine whether the order status is settled. If the order status is settled, generate a return order; Based on the return order, a return order report is output, and an in-depth analysis is performed on the settlement basic elements and the return order report to obtain the return transaction association characteristics.

5. An intelligent settlement data management method according to claim 2, characterized in that: The transaction batch association feature includes an adjustment transaction association feature, and the method includes: Automatic reconciliation is performed through the supplier report. If there are at least For one difference item, upload the difference report; Determine whether the order status is settled. If so, generate an adjustment order. Based on the adjustment order, an adjustment order report is output, and an in-depth analysis is performed on the settlement basic elements and the adjustment order report to obtain the adjustment transaction correlation characteristics.

6. An intelligent settlement data management method according to claim 5, characterized in that: Determining whether the order status is settled, and if the order status is settled, generating an adjustment order, the method further includes: If the order status is unsettled, after modifying the order price, a supplementary pending settlement order is generated after receiving the list confirmation instruction issued by the client terminal; The settlement data center synchronizes the supplementary order to be settled to the client terminal, and generates an updated settlement order report after the settlement data center receives the second settlement confirmation instruction issued by the client terminal.

7. The intelligent settlement data management method according to claim 3, characterized in that: The process chain distributed settlement model is constructed by using the multiple process chain sub-nodes, and the method further includes: Based on the transaction activities of the multiple process chain sub-nodes and the settlement method in the settlement basic elements, the risk level is assessed in real time through the risk control module; Based on the risk level assessment results corresponding to the transaction activities of the multiple process chain sub-nodes, screening abnormal transaction behaviors against the preset risk levels; If the abnormal transaction behavior is found, a transaction suspension request is generated, and the corresponding process chain sub-node is interrupted using the transaction suspension request. The transaction suspension request is a non-maskable interrupt request.

8. An intelligent settlement data management system, characterized in that: A system for implementing an intelligent settlement data management method according to any one of claims 1 to 7, comprising: a receiving module, configured to receive a supplier report after a settlement data center receives a return request from a customer terminal, after the settlement data center sends a settlement request to a supplier terminal, and after the settlement request is responded to by the supplier terminal; A judgment module, wherein the judgment module is used by the settlement data center to mark the return order according to the return request, and after the return order marking is completed, to determine whether the order status is settled; a settlement module, wherein if the order status is unsettled, the settlement module is configured to automatically reconcile the order through the supplier report, and if there are no discrepancies in the automatic reconciliation result, generate an order to be settled after receiving a list confirmation instruction from the client terminal; A calculation module, configured to calculate an estimated settlement order report based on a process chain distributed settlement model in an edge data center corresponding to the supply terminal; A report generation module is used by the settlement data center to synchronize the pending settlement orders and the estimated settlement order report to the customer terminal, and to generate a settlement order report after the settlement data center receives the first settlement confirmation instruction issued by the customer terminal.

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