CN105279658A - Quick reconciliation method for offline transaction - Google Patents
Quick reconciliation method for offline transaction Download PDFInfo
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- CN105279658A CN105279658A CN201410261285.4A CN201410261285A CN105279658A CN 105279658 A CN105279658 A CN 105279658A CN 201410261285 A CN201410261285 A CN 201410261285A CN 105279658 A CN105279658 A CN 105279658A
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Abstract
The invention provides a quick reconciliation method for offline transaction, comprising the steps as follows: a fixed intelligent terminal receives a transaction request submitted by a user, wherein the transaction request includes transaction information such as user name, consumption amount, date of consumption and merchant; a multi-parameter judgment system of the fixed intelligent terminal judges whether the transaction information is in line with the requirement of automatic reconciliation; and automatic reconciliation is carried out if the transaction information is in line with the requirement of automatic reconciliation, and automatic reconciliation is not carried out if the transaction information is not in line with the requirement of automatic reconciliation. Compared with the manual reconciliation method in the prior art, the fixed intelligent terminal can complete automatic reconciliation conveniently and efficiently and identify illegal transactions intelligently, and therefore, the method is more suitable for e-commerce offline transaction at the fixed intelligent terminal.
Description
Technical field
The present invention relates to technical field of electronic commerce, be specifically related to the method for the automatic reconciliation when fixing intelligent terminal carries out off-line transaction.
Background technology
Fixing intelligent terminal is the information interaction equipment that can be connected by internet based on computing machine, and it has the display screen that can show information, and this display screen can have the function touching and input information, and has the function of POS.When user use credit card, long-pending grading mode moves into after businessman consumes on fixing intelligent terminal, fixing intelligent terminal needs the debt that user pays to give to move into businessman.Reconciliation is in the past the some time periods after the closing the transaction of every day, and by reconciliation, personnel transfer transaction record from backstage, again debt is given businessman after confirming the amount of money by pen.But such mode of operation wastes time and energy; and easily there is mistake; the e-commerce transaction of high frequency, great number can not be adapted to; particularly in electric quotient system system; there is certain user starts a large amount of abnormal exchanges situation in order to speculate, in order to protect the interests of electric quotient system Tong Zhong businessman, need to screen specific illegal transaction; being identified when consuming, not given and reconciliation.Therefore be necessary that a kind of account checking method automatically of exploitation carrys out alternative manual reconciliation mode, and this automatic account checking method can judge illegal transaction voluntarily.
Summary of the invention
The object of the invention is the shortcoming overcoming prior art, a kind of method of the automatic reconciliation when fixing intelligent terminal carries out off-line transaction be provided, the method can realize in real time, the object of fast reconciliation, and can illegal transaction be identified.The technical solution used in the present invention is as described below.
The quick account checking method of a kind of off-line transaction, wherein,
Fixing intelligent terminal receives user and submits transaction request to, and transaction request comprises the Transaction Informations such as user's name, spending amount, consumption date, trade company;
The multiparameter of fixing intelligent terminal judges that system judges whether this Transaction Information meets the requirement of automatic reconciliation;
If met the requirements, give automatic reconciliation, if undesirable, do not give automatic reconciliation.
Wherein, described multiparameter judges whether system meets reconciliation request by single user overall consumption number of times, spending amount lower limit, the spending amount upper limit, single user consumption ratio in conjunction with certain hour range parameter comprehensive descision.
Wherein, judge in system deterministic process in multiparameter, first inquire about the overall consumption number of times of this user at fixing intelligent terminal.
Wherein, judge in system deterministic process in multiparameter, when inquiring about this and whether being greater than the first definite value to user at the overall consumption number of times of fixing intelligent terminal, if not, then judge whether the spending amount in transaction request is greater than reconciliation amount of money lower limit, if so, judge whether spending amount is greater than reconciliation amount of money higher limit further.
Wherein, judge in system deterministic process in multiparameter, when judging that the spending amount in transaction request is not more than reconciliation amount of money lower limit, give automatic reconciliation, when judging that the spending amount in transaction request is greater than reconciliation amount of money lower limit, judge whether spending amount is greater than reconciliation amount of money higher limit further.
Wherein, judging in system deterministic process in multiparameter, when judging that spending amount is when being greater than reconciliation amount of money higher limit, giving not reconciliation result automatically.
Wherein, judging in system deterministic process in multiparameter, when judging that spending amount is not more than reconciliation amount of money higher limit, to judge further in Transaction Information that whether off-line transaction volume is 0 in scope sometime in trade company, if 0, gives automatic reconciliation.
Wherein, judge in system deterministic process in multiparameter, when judging in Transaction Information whether off-line transaction volume is 0 in scope sometime in trade company, if not 0, then judge whether single user consumption ratio is greater than one second definite value further, if so, then refuse automatic reconciliation, if not, then automatic reconciliation is given.
Wherein, described single user consumption ratio refer to user in scope sometime shared by the summation of trade company's spending amount the ratio of all spending amount total values of trade company, and when time spending amount is not counted in user in scope sometime at trade company's spending amount when judging.
Compared with prior art, hinge structure of the present invention, has one of at least following advantage and effect:
The present invention can carry out automatic reconciliation for user in the single consumption of fixing intelligent terminal, thus achieves the automatic reconciliation of overwhelming majority consumption in fixing intelligent terminal.
The reconciliation of fixing intelligent terminal has considered the convenience of reconciliation, the continuity of step and rationality, thus whether can meet reconciliation request by single user overall consumption number of times, spending amount lower limit, the spending amount upper limit, single user consumption ratio in conjunction with certain hour range parameter comprehensive descision.
Compared with manual reconciliation mode of the prior art, in the present invention, fixing intelligent terminal can the automatic reconciliation of realization of convenience and high-efficiency, and can the identification illegal transaction of intelligence, is therefore more adapted at the scene that fixing intelligent terminal carries out ecommerce off-line transaction.
Accompanying drawing explanation
Fig. 1 is the process flow diagram of the method for a kind of automatic reconciliation when fixing intelligent terminal carries out off-line transaction in the present invention.
Embodiment
Provide preferred embodiment of the present invention below, these embodiments unrestricted content of the present invention.
Embodiment
Fixing intelligent terminal described in the present embodiment is the information interaction equipment that can be connected by internet based on computing machine, it at least has the display screen that can show information, this display screen can have the function touching and input information, its built-in encrypting module can be the computing module of similar CPU, and its cryptographic algorithm is generally can the software that uses of encrypted module.
The basic step of the quick account checking method of off-line transaction provided by the invention is:
Fixing intelligent terminal receives user and submits transaction request to, and transaction request comprises the Transaction Informations such as user's name, spending amount, consumption date, trade company;
The multiparameter of fixing intelligent terminal judges that system judges whether this Transaction Information meets the requirement of automatic reconciliation;
If met the requirements, give automatic reconciliation, if undesirable, do not give automatic reconciliation.
When described multiparameter judges whether system meets reconciliation request by single user overall consumption number of times, spending amount lower limit, the spending amount upper limit, single user consumption ratio in conjunction with certain hour range parameter comprehensive descision.Described single user consumption ratio refer to user in scope sometime shared by the summation of trade company's spending amount the ratio of all spending amount total values of trade company, and when time spending amount is not counted in user in scope sometime at trade company's spending amount when judging.
Fig. 1 is the process flow diagram of the method for a kind of automatic reconciliation when fixing intelligent terminal carries out off-line transaction in the present invention, and it comprises following step:
Step 101, judges in system deterministic process in multiparameter, first inquires about the overall consumption number of times of this user at fixing intelligent terminal.
Judge in system deterministic process in multiparameter, when inquiring about this and whether being greater than the first definite value to user at the overall consumption number of times of fixing intelligent terminal, step 102, if not, then judge whether the spending amount in transaction request is greater than reconciliation amount of money lower limit, step 103, if so, judges whether spending amount is greater than reconciliation amount of money higher limit further.
Step 105, judge in system deterministic process in multiparameter, when judging that the spending amount in transaction request is not more than reconciliation amount of money lower limit, give automatic reconciliation, step 104, when judging that the spending amount in transaction request is greater than reconciliation amount of money lower limit, judge whether spending amount is greater than reconciliation amount of money higher limit further.
Step 108, judges in system deterministic process in multiparameter, when judging that spending amount is when being greater than reconciliation amount of money higher limit, gives not reconciliation result automatically.
Step 106, judges in system deterministic process in multiparameter, when judging that spending amount is not more than reconciliation amount of money higher limit, to judge further in Transaction Information whether off-line transaction volume is 0 in scope sometime in trade company, and step 107, if 0, gives automatic reconciliation.
Step 109, judge in system deterministic process in multiparameter, when judging in Transaction Information that whether off-line transaction volume is 0 in scope sometime in trade company, if not 0, then judges whether single user consumption ratio is greater than one second definite value further, step 110, if so, then automatic reconciliation is refused, step 111, if not, then automatic reconciliation is given.
Wherein, judging to consume the object whether number of times be greater than the first definite value is in a step 101 to judge whether user has high frequency to conclude the business, and it is larger that the user usually having high frequency to conclude the business exists illegal transaction possibility.In step 102, if there is not high frequency transaction, then can check the spending amount lower limit of working as time consumption and whether exceeding systemic presupposition, if be no more than, be judged as normal transaction equally, give automatic reconciliation.Prescribe a time limit under secondary spending amount exceedes spending amount after the consumption number of times that in step 103, user is nearest has exceeded certain value or in step 104, again by judging that the upper limit whether exceeding spending amount when time consumption judges, in step 108, if spending amount is prescribed a time limit higher than on the spending amount of default, so judge that this spending amount needs manual examination and verification, can not give and automatic reconciliation, in step 106, if spending amount is not prescribed a time limit higher than on the spending amount of default, then also need to judge whether off-line transaction volume is 0 in scope sometime in trade company, if 0, then step 107 is judged as that this trade company transaction did not occur recently, black possibility is lower, therefore give automatic reconciliation, if not 0, then step 109 judges whether single user consumption ratio is greater than certain value further, described single user consumption ratio refer to user in scope sometime shared by the summation of trade company's spending amount the ratio of all spending amount total values of trade company, and when time spending amount is not counted in user in scope sometime at trade company's spending amount when judging.Arranging this parameter is consume in specific trade company to judge that whether user is special, if the amount of money of customer consumption comparatively disperses, does not exceed specific ratio, then judge that this transaction is normal, give automatic reconciliation.If the amount of money of customer consumption is comparatively concentrated, exceed specific ratio, then judge that this transaction is abnormal, give not reconciliation automatically.
The account checking method that the embodiment of the present invention provides can carry out automatic reconciliation for user in the single consumption of fixing intelligent terminal, thus achieves the automatic reconciliation of overwhelming majority consumption in fixing intelligent terminal.
The reconciliation of fixing intelligent terminal has considered the convenience of reconciliation, the continuity of step and rationality, thus whether can meet reconciliation request by single user overall consumption number of times, spending amount lower limit, the spending amount upper limit, single user consumption ratio in conjunction with certain hour range parameter comprehensive descision.
Compared with manual reconciliation mode of the prior art, in the present invention, fixing intelligent terminal can the automatic reconciliation of realization of convenience and high-efficiency, and can the identification illegal transaction of intelligence, is therefore more adapted at the scene that fixing intelligent terminal carries out ecommerce off-line transaction.
The present invention can take method, entirely hardware embodiment, pure software embodiment or combine the form of embodiment of software and hardware aspect.As the conclusion to detailed description, should notice that those skilled in the art will be apparent from can make many changes and amendment to preferred embodiment, and does not depart from principle of the present invention in fact.This change and amendment are included within the scope of the present invention described in appended claims.
Claims (9)
1. the quick account checking method of off-line transaction, wherein,
Fixing intelligent terminal receives user and submits transaction request to, and transaction request comprises the Transaction Informations such as user's name, spending amount, consumption date, trade company;
The multiparameter of fixing intelligent terminal judges that system judges whether this Transaction Information meets the requirement of automatic reconciliation;
If met the requirements, give automatic reconciliation, if undesirable, do not give automatic reconciliation.
2. account checking method fast as claimed in claim 1, it is characterized in that, described multiparameter judges whether system meets reconciliation request by single user overall consumption number of times, spending amount lower limit, the spending amount upper limit, single user consumption ratio in conjunction with certain hour range parameter comprehensive descision.
3. account checking method fast as claimed in claim 1, is characterized in that, judge in system deterministic process in multiparameter, first inquire about the overall consumption number of times of this user at fixing intelligent terminal.
4. the quick account checking method as described in claim 1 or 3, it is characterized in that, judge in system deterministic process in multiparameter, when inquiring about this and whether being greater than the first definite value to user at the overall consumption number of times of fixing intelligent terminal, if not, then judge whether the spending amount in transaction request is greater than reconciliation amount of money lower limit, if so, judge whether spending amount is greater than reconciliation amount of money higher limit further.
5. account checking method fast as claimed in claim 4, it is characterized in that, judge in system deterministic process in multiparameter, when judging that the spending amount in transaction request is not more than reconciliation amount of money lower limit, give automatic reconciliation, when judging that the spending amount in transaction request is greater than reconciliation amount of money lower limit, judge whether spending amount is greater than reconciliation amount of money higher limit further.
6. account checking method fast as claimed in claim 5, is characterized in that, when judging that spending amount is when being greater than reconciliation amount of money higher limit, gives not reconciliation result automatically.
7. account checking method fast as claimed in claim 6, it is characterized in that, judge in system deterministic process in multiparameter, when judging that spending amount is not more than reconciliation amount of money higher limit, to judge in Transaction Information whether off-line transaction volume is 0 in scope sometime in trade company further, if 0, give automatic reconciliation.
8. account checking method fast as claimed in claim 7, it is characterized in that, judge in system deterministic process in multiparameter, when judging in Transaction Information that whether off-line transaction volume is 0 in scope sometime in trade company, if not 0, then judges whether single user consumption ratio is greater than one second definite value further, if, then refuse automatic reconciliation, if not, then give automatic reconciliation.
9. account checking method fast as claimed in claim 2, it is characterized in that, described single user consumption ratio refer to user in scope sometime shared by the summation of trade company's spending amount the ratio of all spending amount total values of trade company, and when time spending amount is not counted in user in scope sometime at trade company's spending amount when judging.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201410261285.4A CN105279658A (en) | 2014-06-13 | 2014-06-13 | Quick reconciliation method for offline transaction |
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| CN201410261285.4A CN105279658A (en) | 2014-06-13 | 2014-06-13 | Quick reconciliation method for offline transaction |
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| CN105279658A true CN105279658A (en) | 2016-01-27 |
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| CN201410261285.4A Pending CN105279658A (en) | 2014-06-13 | 2014-06-13 | Quick reconciliation method for offline transaction |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106204207A (en) * | 2016-06-30 | 2016-12-07 | 网易传媒科技（北京）有限公司 | A kind of bill generates method and apparatus |
| CN117333992A (en) * | 2023-11-02 | 2024-01-02 | 中国建设银行股份有限公司 | Self-service transaction processing methods, devices, equipment, storage media and program products |
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| CN102034182A (en) * | 2010-11-29 | 2011-04-27 | 深圳市爱贝信息技术有限公司 | Method and device for secure transaction of payment platform account |
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| US20070051795A1 (en) * | 2005-09-07 | 2007-03-08 | Ty Shipman | Method and apparatus for verifying the legitamacy of a financial instrument |
| CN101192290A (en) * | 2006-11-23 | 2008-06-04 | 阿里巴巴公司 | System and method for secure network transaction |
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| CN106204207A (en) * | 2016-06-30 | 2016-12-07 | 网易传媒科技（北京）有限公司 | A kind of bill generates method and apparatus |
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Application publication date: 20160127 |
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