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There are already questions about account reconciliation on the Internet, and the answers are quite exciting, but these answers mainly focus on the business level. This article will focus on the system level , taking the account reconciliation between e-commerce platforms and third-party payment as an example.
Why reconciliation?
Account reconciliation is actually a process of mutual confirmation of transactions within a certain period. Generally, on the second day, a third-party payment company sorts out the transactions of the previous day, generates a statement and downloads it to the supplier platform, and settles the account payable. to e-commerce platforms.
Therefore, account reconciliation has the following functions:
1. The e-commerce platform compares the statement with its own system orders to confirm whether there are abnormal orders;
2. The e-commerce platform serves as the basis for calculating the settlement amount.
On the one hand, the reconciliation is on the information flow, and on the other hand, it is on the capital flow. The information flow reconciliation is mainly to confirm whether the order amount and status of the two parties are consistent. Cash flow reconciliation.
How does the system reconcile accounts?
The general process is: statement acquisition→data specification→reconciliation core→result output→(error handling)
1. Obtaining statement
Before reconciliation, you must first obtain the statement of account, and the other party usually provides it the next day, and the methods provided include interface, email, ftp, etc.
2. Data specification
Generally, an e-commerce platform will not only accept one payment company, and the formats and specifications of the statement provided by different payment channels are not the same, so it needs to be converted, and finally the core reconciliation is performed.
1. File Naming The
uploaded statement file naming rules are: business type_fund channel_clearing date_serial number. file format (I_WEIXIN10401_20160415_02.CSV) business type
, common business types include deposit I, withdrawal O, refund R ( Cancellation, return)
funding channel, the same partner has multiple products, need to distinguish
the liquidation date, YYYYMMDD
serial number, there may be multiple statements of the same business type and the same funding channel File
format, CSV format is preferred
2, file analysis
corresponds to each channel A parsing script
to get the order number and transaction principal
3. The core of reconciliation
After the statement data is sorted out and standardized, when performing account reconciliation, it is necessary to compare the order and amount in the statement with the order and amount of the e-commerce platform system.
1. Obtain the system order according to the channel & date & status
2. Match the system order with the statement
A. Match the statement records one by one according to the order in the system order
B. When matching, first match according to the order number, and then compare the amount For
C. After the system order matching is completed, check whether there are any remaining records on the statement. 3. Reconciliation
processing . If the order number cannot be matched, it will be recorded as a short account. For the remaining records in the statement, all records will be recorded as an over account
Fourth, the result output
If there is no difference in the reconciliation, it indicates that the reconciliation is successful, and the summary confirmation can be performed.
Display discrepancies in reconciliation and provide error handling methods.
5. Error handling
Error handling needs to achieve two effects, one is to complete the account reconciliation, and the other is to balance the accounts. The common account processing methods include pending account, account entry, and account adjustment.
Replenish order: continue the original business through human intervention, such as manually intervening the order status through the interface Suspend account
: For uneven bills, suspend them first, and then deal with them after they are found
out The process of transferring from one account to another (original documents)
1. Multiple
accounts There are mainly two situations of multiple accounts. One is that the asynchronous notification has not been received, and the supplementary order is given priority. The other is that the same order is paid twice, which is generally processed through account registration. 2. Short accounts basically do
not
appear , and generally coordinate with a third party through a signature anti-repudiation mechanism. After the coordination, balance the accounts by manually adding the statement.
3. Inconsistent amounts
The probability of occurrence is extremely low, and it is generally due to an internal calculation error on the e-commerce platform.
First of all, this bug must be solved first, and then dealt with accordingly according to the abnormal order, such as canceling the reconciliation, modifying the system or the amount of the statement before reconciling.