Settlement method based on compound accounting system

Abstract

The invention discloses a settlement method based on a compound accounting system. The method introduces the compound accounting system to make up for the defect that a conventional settlement systemcarries out the settlement completely based on a flow, effectively reduces the fund risk through the double check of accounting and flow, and guarantees the fund safety; meanwhile, timely and diversified settlement modes are provided for merchants by virtue of an account system of the accounting affairs, so that the fund settlement requirements of more merchants are met. The method has the following beneficial effects: (1) an accounting system is introduced, a merchant account to be settled is opened, and capital abnormality is discovered in time by checking the occurrence amount of the merchant account to be settled and the settlement amount; (2) during settlement and payment, deduction from a to-be-settled account of a merchant is made to ensure sufficient capital of the account of the merchant, and then payment is performed for another, thereby ensuring capital safety in multiple dimensions and reducing capital risks; (3) a balance account is opened for the merchant, real-time fundsettlement is realized, settlement requirements of small and micro merchants are met, and diversification of fund settlement is realized.

Description

technical field [0001] The invention relates to the technical field of computer software applications, in particular to a settlement method based on a double-entry bookkeeping system. Background technique [0002] With the continuous advancement of the national "Internet +" strategy and the promotion of consumption upgrades, my country's payment industry has achieved leapfrog development; from cash payment, credit card payment to mobile payment, with the update of payment technology, payment methods are also constantly developing , merchants and users realize transaction payment and settlement based on third-party payment. [0003] In the existing settlement system, it is usually based on the transaction bill flow for summary or netting for settlement and payment. The traditional flow bookkeeping mode lacks loan trial balance and fund verification, and there are capital risks. ; In addition, the settlement method is single, and the settlement time limit is usually T+N, which...

AI Technical Summary

Problems solved by technology

[0003] In the existing settlement system, it is usually based on the transaction bill flow for summary or netting for settlement and payment. The traditional flow bookkeeping mode lacks loan trial balance and fund verification, and there are capital risks. ;In addition, the settlement method is single, and the settlement time limit is usually T+N, which is low in timeliness

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