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WO2019037396A1 - Procédé, dispositif et équipement de suppression de compte et support d'informations - Google Patents

Procédé, dispositif et équipement de suppression de compte et support d'informations Download PDF

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Publication number
WO2019037396A1
WO2019037396A1 PCT/CN2018/075666 CN2018075666W WO2019037396A1 WO 2019037396 A1 WO2019037396 A1 WO 2019037396A1 CN 2018075666 W CN2018075666 W CN 2018075666W WO 2019037396 A1 WO2019037396 A1 WO 2019037396A1
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WO
WIPO (PCT)
Prior art keywords
reconciliation
payment order
payment
status
account
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2018/075666
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English (en)
Chinese (zh)
Inventor
朱文力
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OneConnect Smart Technology Co Ltd
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OneConnect Smart Technology Co Ltd
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Filing date
Publication date
Application filed by OneConnect Smart Technology Co Ltd filed Critical OneConnect Smart Technology Co Ltd
Publication of WO2019037396A1 publication Critical patent/WO2019037396A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting
    • G06Q40/125—Finance or payroll

Definitions

  • the present application relates to the technical field of data processing, and in particular, to an account clearing method, apparatus, device, and storage medium.
  • the main purpose of the present application is to provide an account clearing method, device, device and storage medium, which aims to solve the technical problem of clear settlement mode of the public account, clear settlement efficiency and high labor cost.
  • the present application provides an account settlement method, and the account settlement method includes the following steps:
  • the certification data is determined according to the clear settlement information and the reconciliation file, and the certification data is transmitted to the financial system, so that the financial system generates the financial voucher based on the verification data. .
  • the present application further provides an account clearing and settlement device, where the account clearing and settlement device includes:
  • a sending and receiving module configured to send a reconciliation file acquisition request to the external system at an interval preset time, and receive a reconciliation file returned by the external system based on the reconciliation file acquisition request;
  • a reconciliation and update module configured to reconcile the reconciliation file according to a preset reconciliation rule to update clear settlement information of a payment order in the database
  • a determining and transmitting module configured to determine, according to the clearing information and the reconciliation file, proof data, when the reconciliation is completed, and transmit the proof data to a financial system for the financial system to be based on
  • the documentary data is generated to generate financial documents.
  • the present application further provides an account clearing device, the account clearing device comprising: a memory, a processor, and an account clearing stored on the memory and operable on the processor
  • the program when the account clearing program is executed by the processor, implements the following steps:
  • the certification data is determined according to the clear settlement information and the reconciliation file, and the certification data is transmitted to the financial system, so that the financial system generates the financial voucher based on the verification data. .
  • the application further provides a computer readable storage medium, on which the account clearing program is stored, and when the account clearing program is executed by the processor, the following steps are implemented:
  • the certification data is determined according to the clear settlement information and the reconciliation file, and the certification data is transmitted to the financial system, so that the financial system generates the financial voucher based on the verification data. .
  • the application sends a reconciliation file acquisition request to the external system at an interval preset time, and receives the reconciliation file returned by the external system based on the reconciliation file acquisition request, and then reconciles the reconciliation file according to the preset reconciliation rule.
  • To update the settlement information of the payment order in the database and finally, when the reconciliation is completed, determine the verification data according to the clear settlement information and the reconciliation document, and transmit the certification data to the financial system for the financial system
  • the financial voucher is generated based on the verification data, and the solution obtains the reconciliation file and updates the settlement information of the payment order in the database according to the reconciliation file, so that the entire process does not need to clear the settlement operation personnel to participate, thereby effectively reducing the labor cost, and simultaneously clearing the whole
  • the settlement process is automated, effectively improving the settlement efficiency.
  • the certification data is determined according to the settlement information, and the certification data is transmitted to the financial system, so that the financial system can automatically reconcile the accounts, reduce the financial personnel, and improve the efficiency of reconciliation. .
  • FIG. 1 is a schematic structural diagram of a device in a hardware operating environment involved in an embodiment of the present application
  • FIG. 2 is a schematic flow chart of a first embodiment of an account settlement settlement method according to the present application.
  • FIG. 3 is a schematic diagram of a refinement process of the step of reconciling the reconciliation file according to a preset reconciliation rule to update the settlement information of the payment order in the database according to the preset reconciliation rule;
  • FIG. 4 is a schematic diagram showing the refinement process of the step of determining the certification data according to the clear settlement information and the reconciliation file in FIG. 2;
  • FIG. 5 is a schematic flowchart of a second embodiment of an account settlement settlement method according to the present application.
  • FIG. 6 is a schematic flowchart of a third embodiment of an account settlement settlement method according to the present application.
  • FIG. 7 is a schematic flowchart of a fourth embodiment of an account settlement settlement method according to the present application.
  • FIG. 8 is a schematic diagram showing the refinement process of the step of determining the reconciliation data according to the clear settlement information and the reconciliation file in FIG. 7;
  • FIG. 9 is a schematic diagram of functional modules of the first embodiment of the account clearing and settlement apparatus of the present application.
  • the main solution of the embodiment of the present application is: sending a reconciliation file acquisition request to the external system at an interval preset time, and receiving a reconciliation file returned by the external system based on the reconciliation file acquisition request, and then according to the preset reconciliation rule
  • the reconciliation file is reconciled to update the settlement information of the payment order in the database, and finally, when the reconciliation is completed, the verification data is determined according to the clear settlement information and the reconciliation document, and the certification data is transmitted to A financial system for the financial system to generate financial credentials based on the certification data.
  • the present application provides a solution.
  • the whole process does not need to clear the settlement operation personnel to participate, thereby effectively reducing the labor cost.
  • the entire settlement process is automated, effectively improving the settlement efficiency.
  • the certification data is determined according to the settlement information, and the certification data is transmitted to the financial system, so that the financial system can automatically reconcile accounting, reduce financial personnel, and improve Reconciliation accounting efficiency.
  • FIG. 1 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present application.
  • the account clearing device in the embodiment of the present application may be a PC, or may be a mobile terminal device having a display function, such as a smart phone, a tablet computer, a portable computer, or a fixed terminal device.
  • the account settlement device may include a processor 1001, such as a CPU, a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005.
  • the communication bus 1002 is used to implement connection communication between these components.
  • the user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface, a wireless interface.
  • the network interface 1004 can optionally include a standard wired interface, a wireless interface (such as a WI-FI interface).
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • FIG. 1 does not constitute a limitation on the account clearing device, and may include more or less components than the illustration, or combine some components, or different. Parts layout.
  • an operating system may be included in the memory 1005 as a computer readable storage medium.
  • a network communication module may be included in the memory 1005 as a computer readable storage medium.
  • a user interface module may be included in the memory 1005 as a computer readable storage medium.
  • the network interface 1004 is mainly used to connect to the background server and perform data communication with the background server;
  • the user interface 1003 is mainly used to connect the client (user end) to perform data communication with the client;
  • the processor 1001 can be used to call the account clearing settlement program stored in the memory 1005, and execute the steps of the account clearing method in the following embodiments.
  • the specific embodiment of the account clearing device of the present application is basically the same as the embodiment of the account clearing method described below, and details are not described herein again.
  • the application provides an account settlement method.
  • FIG. 2 is a schematic flowchart of a first embodiment of an account settlement settlement method according to the present application.
  • the account settlement method includes:
  • Step S101 Send a reconciliation file acquisition request to the external system at an interval preset time, and receive a reconciliation file returned by the external system based on the reconciliation file acquisition request;
  • the account clearing method is applied to the account clearing device, and the account clearing device performs data interaction with the external system and the financial system through the network interface, and the external system performs data interaction with the Ping An banking system through the network interface, and the safe banking system periodically generates
  • the reconciliation file is stored in the network disk, that is, the reconciliation file of the previous day is generated by the banking system every day.
  • the reconciliation file includes the payment order number, payment status, and reconciliation time.
  • the external system periodically triggers a reconciliation file download request, and downloads a reconciliation file from the network disk of the banking system according to the reconciliation file download request, and then stores the reconciliation file.
  • the account clearing device sends a reconciliation file acquisition request to the external system at an interval preset time, and after receiving the reconciliation file acquisition request, the external system acquires the latest reconciliation file based on the reconciliation file acquisition request, and acquires The latest reconciliation file is returned to the account clearing device, and the account clearing device receives the reconciliation file returned by the external system based on the reconciliation file acquisition request, and calls the reconciliation file to receive the resale interface, and returns the reconciliation to the external system.
  • the file was received successfully.
  • the account clearing device sends a reconciliation file acquisition request to the external system every 8 minutes and 37 seconds between 9:18 and 12:00 every day until receiving the external system to return based on the reconciliation file acquisition request.
  • the reconciliation file requires the time for the reconciliation file to be generated.
  • the account clearing device can successfully obtain the reconciliation file.
  • the reconciliation file acquisition request is sent every 8 minutes and 37 seconds, and the time can be relatively timely without causing excessive pressure on the external system. Get feedback to achieve the best results.
  • Step S102 Perform reconciliation on the reconciliation file according to a preset reconciliation rule to update clear settlement information of the payment order in the database;
  • the account settlement device reconciles the reconciliation file according to the preset reconciliation rule to update the settlement information of the payment order in the database, and the settlement information includes the clearing status and the reconciliation result.
  • the reason for the reconciliation includes clearing success, clearing processing, and clearing failure, etc.
  • the reconciliation result includes reconciliation matching and reconciliation inconsistency, etc.
  • the reconciliation reason description is mainly used to describe the reason for the reconciliation disagreement, It is convenient for the user to know the reason for the reconciliation.
  • the clear settlement information can record the status of the payment order in detail, and can determine the clearing status, the reconciliation result and the reconciliation reason description of the payment order according to the clear settlement information, and can quickly locate the abnormal payment order when the payment order is abnormal.
  • FIG. 3 is a schematic flowchart of the refinement of step S102 in FIG. 2, where the step S102 includes:
  • Step S1021 Obtain a payment order number and an order payment status from the reconciliation file according to a preset rule
  • Step S1022 Acquire a corresponding payment order from the database according to the payment order number, and obtain a clearing status of the payment order;
  • Step S1023 Update the clear settlement information of the payment order according to the order payment status and the clearing status.
  • the account clearing device obtains a payment order number and an order payment status from the reconciliation file according to a preset rule, and obtains a corresponding payment order from the database according to the payment order number, and obtains a clearing status of the payment order, and then according to the The order payment status and the clearing status update the settlement information of the payment order.
  • the preset rule includes a sequential obtaining rule and a random obtaining rule, wherein the order obtaining rule sequentially obtains the payment order number and the order payment status from the reconciliation file according to the size of the payment order number until the payment order number in the reconciliation file is Obtained, and the random acquisition rule is to randomly obtain the payment order number and the order payment status from the reconciliation file until the payment order number in the reconciliation file is acquired once.
  • the order payment status includes payment success and payment failure.
  • the preset reconciliation rule is as follows: the clearing status is clearing, and the order payment status is successful, the reconciliation result is set to reconciliation; the clearing status is clearing, and the order payment status is payment failure, then the pair will be The result of the account is set as the reconciliation, the reconciliation reason description is set as the order payment success, the external system payment fails; the liquidation status is in the clearing process, and the order payment status is the payment success, the reconciliation result is set as the reconciliation; The liquidation status is in the clearing process, If the single payment status is payment failure, the reconciliation result is set as the reconciliation; the liquidation status is the clearing failure.
  • the reconciliation result is matched as the reconciliation; the clearing status is the clearing failure, and the order payment status is the payment failure, the reconciliation result is set as the reconciliation; if the payment order does not exist, If the payment status of the order is successful, a new reconciliation record is added, and the reconciliation result of the new payment order is set as the reconciliation inconsistency, and the reconciliation reason description is set as the payment order does not exist, and the order payment is successful.
  • Step S103 when the reconciliation is completed, determining the certification data according to the clear settlement information and the reconciliation file, and transmitting the certification data to the financial system, for the financial system to be based on the certification data Generate financial documents.
  • the account clearing device determines the certification data according to the clear settlement information and the reconciliation file, and transmits the certification data to the financial system, so that the financial system generates the financial voucher based on the verification data.
  • the financial voucher includes a fund voucher and a business voucher, and the voucher data includes an amount and a business type.
  • FIG. 4 is a schematic flowchart of the refinement of step S103 in FIG. 2, where the step S103 includes:
  • Step S1031 When the reconciliation is completed, obtain a corresponding payment order from the database according to each payment order number in the reconciliation file to generate a payment order set;
  • Step S1032 obtaining clear settlement information of each payment order from the payment order set, and determining a reconciliation status of the payment order according to the clear settlement information;
  • Step S1033 determining a set of proof payment orders according to the reconciliation status and the set of payment orders, and determining the certification data according to the set of proof payment orders.
  • the account clearing device obtains a corresponding payment order from the database according to each payment order number in the reconciliation file to generate a payment order set, and then obtains settlement information of each payment order from the payment order set, and Determining the reconciliation status of the payment order according to the settlement information, that is, determining the reconciliation status of the payment order according to the clearing status and the reconciliation result in the clear settlement information, specifically, the clearing status of the payment order is clearing and clearing If the middle or clearing fails, and the reconciliation result is the reconciliation, the reconciliation status of the payment order is the reconciliation status, and finally the set of the proof payment order is determined according to the reconciliation status and the payment order set, and according to the
  • the forensic payment order set determines the certification data, that is, obtains a payment order whose reconciliation status is reconciled from the payment order set, thereby generating a forensic payment order set, and then obtaining each from the set of certification payment orders Paying the payment information of the order, the payment information includes the collection payment amount and the payment destination, and each order Payment information is aggregated to obtain accreditation data
  • the application sends a reconciliation file acquisition request to the external system at an interval preset time, and receives a reconciliation file returned by the external system based on the reconciliation file acquisition request, and then according to the preset reconciliation rule
  • the reconciliation file is reconciled to update the settlement information of the payment order in the database, and finally, when the reconciliation is completed, the verification data is determined according to the settlement information and the reconciliation document, and the certification data is transmitted to the financial system.
  • the solution obtains the reconciliation file and updates the settlement information of the payment order in the database according to the reconciliation file, and the entire settlement process does not need to clear the settlement operation personnel to participate, and is effective.
  • the labor cost is reduced, and the entire settlement process is automated, and the settlement efficiency is effectively improved.
  • the certification data is determined according to the settlement information, and the certification data is transmitted to the financial system, so that the financial system can automatically reconcile the accounting and reduce Financial staff to improve the efficiency of reconciliation accounting.
  • a second embodiment of the account clearing method of the present application is proposed based on the above-mentioned first embodiment.
  • the difference from the foregoing embodiment is that the account clearing method further includes:
  • Step S104 receiving a payment order refund request sent by an external system, and obtaining a refund payment order number from the payment order refund request;
  • Step S105 obtaining a corresponding payment order from the database according to the refund payment order number, and setting the status of the payment order to a refunded state.
  • the clearing settlement operator touches the refund button in the display interface of the external system, thereby triggering the payment order refund request, and then the external system sends the payment order refund request to the account clearing device, and the account clearing device receives the external Sending a payment order refund request, and obtaining a refund payment order number from the payment order refund request, and then obtaining a corresponding payment order from the database according to the refund payment order number, and setting the status of the payment order For a refunded status.
  • the present application sets a refund button in the external system, so that it is convenient to clear the settlement operator one-click refund, so that the account clearing device automatically completes the refund, without clearing the manual operation of the settlement operator, and improving the refund efficiency.
  • the third embodiment of the account clearing method of the present application is proposed based on the foregoing second embodiment.
  • the difference from the foregoing embodiment is that, after the step S105, the account clearing method further includes:
  • Step S106 Acquire a payment order with a status of a refunded status to generate a refunded payment order set;
  • Step S107 determining refund proof data according to the refunded payment order set, and transmitting the refund proof data to a financial system, for the financial system to generate financial documents based on the refund proof data .
  • the account clearing device After clearing the status of all the payment orders in the payment order refund request to the refunded status, the account clearing device obtains the payment order with the status of the refunded status to generate a refunded payment order set, and then according to The refunded payment order set determines the refund certificate data and transmits the refund certificate data to the financial system for the financial system to generate a financial document based on the refund certificate data.
  • the present application determines the refund certificate data according to the refund order, so that the financial system can automatically generate the financial certificate according to the refund certificate data, and realize the automatic financial reconciliation of the refund. Improve the efficiency of financial reconciliation accounting.
  • a fourth embodiment of the account clearing method of the present application is proposed based on the foregoing first, second, and third embodiments.
  • the difference from the foregoing embodiment is that the account clearing method further includes:
  • Step S108 when the reconciliation is completed, determining reconciliation dissident data according to the clear settlement information and the reconciliation file;
  • FIG. 8 is a schematic diagram of the refinement process of step S108 in FIG.
  • the step S108 includes:
  • Step S1081 When the reconciliation is completed, obtain a corresponding payment order from the database according to each payment order number in the reconciliation file to generate a payment order set;
  • Step S1082 Acquire clear settlement information of each payment order from the payment order set, and determine a reconciliation status of the payment order according to the clear settlement information;
  • Step S1083 determining reconciliation discrepancy data according to the reconciliation status and the payment order set.
  • the account clearing device obtains a corresponding payment order from the database according to each payment order number in the reconciliation file to generate a payment order set, and then obtains settlement information of each payment order from the payment order set, and Determining a reconciliation status of the payment order according to the clear settlement information, and finally determining reconciliation dissident data according to the reconciliation status and the payment order set, that is, selecting a payment order whose reconciliation status is reconciled from the payment order set, thereby Make sure the reconciliation does not match the data.
  • Step S109 generating a reconciliation discrepancy record table according to the reconciliation discrepancy data, and storing the reconciliation discrepancy record table;
  • Step S110 When receiving the query request of the externally triggered reconciliation discrepancy record, displaying the reconciliation discrepancy record table according to the query request.
  • the account clearing device After determining the reconciliation non-conformity data, the account clearing device generates a reconciliation discrepancy record table according to the reconciliation discrepancy data, and stores the reconciliation discrepancy record table, and when receiving an externally triggered reconciliation non-conformity query request, The reconciliation non-conformance record table is displayed according to the query request.
  • the present application records and stores the reconciliation data, and sets an external query interface, so that the clearing operation personnel can quickly check the reconciliation non-conformity data, and timely process the payment order that does not match the reconciliation.
  • the account clearing device records the storage duration of the reconciliation file when the reconciliation is completed, and deletes the reconciliation file when the storage duration exceeds a preset threshold, and records the storage duration of the reconciliation file. When the storage duration exceeds the preset threshold, the reconciliation file is deleted to optimize the storage space.
  • the application also provides an account settlement device.
  • FIG. 9 is a schematic diagram of functional modules of a first embodiment of an account clearing and settlement apparatus according to the present application.
  • the account settlement device includes:
  • the sending and receiving module 101 is configured to send a reconciliation file acquisition request to the external system at an interval preset time, and receive a reconciliation file returned by the external system based on the reconciliation file acquisition request;
  • the reconciliation and update module 102 is configured to reconcile the reconciliation file according to a preset reconciliation rule to update clear settlement information of the payment order in the database;
  • a determining and transmitting module 103 configured to determine, at the completion of the reconciliation, the certification data according to the clear settlement information and the reconciliation file, and transmit the certification data to a financial system for the financial system to be based on The certification data generates a financial document.
  • the first embodiment of the account clearing device of the present application is substantially the same as the first embodiment of the account clearing method, and is not described herein.
  • the reconciliation and update module 102 is further configured to:
  • the determining and transmitting module 103 is further configured to:
  • the corresponding payment order is obtained from the database according to each payment order number in the reconciliation file to generate a payment order set;
  • the account clearing device further includes:
  • a receiving and acquiring module configured to receive a payment order refund request sent by an external system, and obtain a refund payment order number from the payment order refund request;
  • the acquisition and refund module is configured to obtain a corresponding payment order from the database according to the refund payment order number, and set the status of the payment order to a refunded status.
  • the account clearing device further includes:
  • An acquisition and generation module for obtaining a payment order with a status of refunded status to generate a refunded payment order set
  • the determining and transmitting module 103 is further configured to determine refund evidence data according to the set of refunded payment orders, and transmit the refund certificate data to a financial system, wherein the financial system is based on the The refund certificate data generates financial documents.
  • the account clearing device further includes:
  • a determining module configured to determine reconciliation data according to the clearing settlement information and the reconciliation file when the reconciliation is completed
  • a generating and storing module configured to generate a reconciliation non-conformance record table according to the reconciliation discrepancy data, and store the reconciliation discrepancy record table;
  • the query and display module is configured to display the reconciliation discrepancy record table according to the query request when receiving an externally triggered reconciliation non-conformation query request.
  • the determining module is further configured to:
  • the corresponding payment order is obtained from the database according to each payment order number in the reconciliation file to generate a payment order set;
  • Reconciliation discrepancy data is determined based on the reconciliation status and the set of payment orders.
  • the account clearing device further includes:
  • a recording and deleting module configured to record a storage duration of the reconciliation file when the reconciliation is completed, and delete the reconciliation file when the storage duration exceeds a preset threshold.
  • the specific embodiment of the account clearing device of the present application is basically the same as the embodiment of the above account clearing method, and details are not described herein again.
  • the embodiment of the present application further provides a computer readable storage medium, where the computer readable storage medium stores an account clearing settlement program, and the step of implementing the account clearing method when the account clearing settlement program is executed by the processor .
  • the technical solution of the present application which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in the various embodiments of the present application.
  • a terminal device which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.

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Abstract

La présente invention concerne un procédé, un dispositif et un équipement de suppression de compte et un support d'informations, le procédé de suppression de compte comprenant les étapes suivantes consistant : à envoyer une demande d'acquisition de fichier de vérification de compte à un système externe à un intervalle de temps prédéfini et à recevoir un fichier de vérification de compte renvoyé par le système externe sur la base de la demande d'acquisition de fichier de vérification de compte ; à effectuer une vérification de compte sur le fichier de vérification de compte selon une règle de vérification de compte prédéfinie de sorte à mettre à jour des informations de suppression pour un ordre de paiement dans une base de données ; et lorsque la vérification de compte est achevée, à déterminer des données d'accréditation selon les informations de suppression et le fichier de vérification de compte et à transmettre les données d'accréditation à un système financier de telle sorte que le système financier génère un bon financier sur la base des données d'accréditation. La présente invention est avantageuse en ce que le coût de main-d'œuvre peut être réduit de manière efficace et l'efficacité de suppression peut être augmentée de manière efficace.
PCT/CN2018/075666 2017-08-24 2018-02-07 Procédé, dispositif et équipement de suppression de compte et support d'informations Ceased WO2019037396A1 (fr)

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CN201710739147.6A CN107730228A (zh) 2017-08-24 2017-08-24 账户清结算方法、设备及存储介质
CN201710739147.6 2017-08-24

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