多支付渠道下统一对账平台的设计与实现

Design and Implementation of Unified Reconciliation Platform Under Multiple Payment Channels

随着科技的发展,支付渠道越来越多。为了解决多种支付渠道的对账问题,本文提出了一种多支付渠道下的统一对账平台实现方案。通过配置各支付渠道的相关参数来实现定时自动拉取对账单,并通过滚动对账和人工介入的方式处理对账差错,定时生成各种财务报表。实践结果表明,该平台极大地简化了商家等B端用户的对账工作,同时方便商家实时掌握公司的账目情况。

With the development of technology,there are more and more payment channels.In order to solve the reconciliation problem caused by multiple payment channels,this paper proposes a scheme to implement a unified reconciliation platform under multiple payment channels.By configuring the relevant parameters of each payment channel to automatically retrieve reconciliation statements at regular intervals,and handling reconciliation errors by means of rolling reconciliation and manual intervention,various financial statements are generated at regular intervals.The results show that the platform greatly simplifies the reconciliation work of merchants and other business-end users,while facilitating merchants to manage the company's accounts in real time.