CN104574189A - Financial-transaction monitoring method and device - Google Patents
Financial-transaction monitoring method and device Download PDFInfo
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- CN104574189A CN104574189A CN201510062464.XA CN201510062464A CN104574189A CN 104574189 A CN104574189 A CN 104574189A CN 201510062464 A CN201510062464 A CN 201510062464A CN 104574189 A CN104574189 A CN 104574189A
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Abstract
The application provides a financial-transaction monitoring method and device. The financial-transaction monitoring method comprises the following steps of: extracting parameters to be checked in an accounting request of the current transaction, firstly judging the parameters to be checked, i.e., whether a monitoring parameter of the parameters to be checked in pre-stored transaction information, and if so, further finding; in a preset accounting configuration table, judging whether a record consisting of parameters in the accounting request and the monitoring parameter commonly exists, if so, showing that the current transaction passes the checking, and further determining that the checking is successful; and if the judgment result is nonexistence or the finding result is nonexistence, showing that the current transaction does not pass the checking, and further determining that the checking fails. Therefore, the financial-transaction monitoring method and device provided by the application have the advantage that when accounting is carried out in transaction, the compliance checking is carried out by utilizing the parameters in transaction.
Description
Technical field
The application relates to financial transaction monitoring technique field, especially a kind of method and system of bank finance transaction being carried out to accounting risk real-time early warning.
Background technology
In financial sector, transaction accuracy and compliance are extremely important, if occur, transaction goes wrong, and cause heavy losses can to client or financial institution.Such as, when carrying out loan principal granting to client, if the transaction that financial sector can be carried out is by loan origination in personal account, and do not allow to be sent to non-personal account as in account of the same trade or business, if the transaction carried out current is sent in non-personal account by loan, then there will be problem.
Therefore, need to monitor the transaction in finance, to ensure accuracy and the compliance of transaction, take precautions against possible financial risks.
Summary of the invention
In view of this, this application provides a kind of method for supervising and device of financial transaction, be used for realizing the verification to financial transaction accuracy and compliance.For realizing described goal of the invention, technical scheme provided by the invention is as follows:
A method for supervising for financial transaction, comprising:
When receiving Accounting Request, extract the parameter to be verified in Accounting Request;
Judge whether to there is monitoring parameter corresponding to described parameter to be verified, obtain judged result;
If described judged result is yes, in default accounting allocation list, search the record whether existing and be made up of the parameter in described Accounting Request and described monitoring parameter, obtain lookup result, if described lookup result is yes, determine verification succeeds, if described lookup result is no, determine to verify unsuccessfully;
If described judged result is no, determine to verify unsuccessfully.
Alternatively, the method for supervising of above-mentioned financial transaction, also comprises:
When verification succeeds, send book keeping operation instruction to accounting module, to trigger described accounting module, described Accounting Request is kept accounts;
When verifying unsuccessfully, record the abnormal information of described Accounting Request, concurrent alarming information of delivering newspaper.
Alternatively, the method for supervising of above-mentioned financial transaction, described parameter to be verified comprises: salable item, transaction code, accounting operational code and account balance type;
Correspondingly, described in judge whether to there is monitoring parameter corresponding to described parameter to be verified, obtain judged result comprise:
Judge whether to there is financial accounting product corresponding to described salable item, obtain the first judged result;
If described first judged result is yes, judges whether to exist described transaction code and permission parameter transaction corresponding to described accounting operational code, obtain the second judged result;
If described second judged result is yes, determine the subject attribute that described account balance type is corresponding, and judge whether to exist described financial accounting product and account title corresponding to described subject attribute, obtain the 3rd judged result;
If described 3rd judged result is yes, determine that described judged result is yes;
If any one or more in described first judged result, described second judged result and described 3rd judged result are no, determine that described judged result is no.
Alternatively, the method for supervising of above-mentioned financial transaction, described in default accounting allocation list, search the record whether existing and be made up of the parameter in described Accounting Request and described monitoring parameter, obtain lookup result and comprise:
In default accounting allocation list, search and whether exist by the record adjusting operational code, keep accounts direction, financial accounting product, subject attribute and account title form, obtain lookup result; Wherein, described accounting operational code and described book keeping operation direction are in described Accounting Request, and described financial accounting product, described subject attribute and described account title are in described monitoring parameter.
Alternatively, the method for supervising of above-mentioned financial transaction, when verifying unsuccessfully, also comprises:
Obtain the record number of times of abnormal information corresponding to described Accounting Request;
If when described record number of times exceedes preset times threshold value, revise the attribute information of transaction code in described Accounting Request.
The application also provides a kind of supervising device of financial transaction, comprising:
Parameter extraction unit to be verified, for when receiving Accounting Request, extracts the parameter to be verified in Accounting Request;
, there is monitoring parameter corresponding to described parameter to be verified for judging whether in Verification unit to be verified, obtains judged result; If described judged result is yes, trigger accounting template judging unit, if described judged result is no, trigger the failed determining unit of verification;
Accounting template judging unit, for in default accounting allocation list, search the record whether existing and be made up of the parameter in described Accounting Request and described monitoring parameter, obtain lookup result, if described lookup result is yes, trigger verification succeeds determining unit, if described lookup result is no, trigger the failed determining unit of verification;
Verification succeeds determining unit, for determining verification succeeds;
Verifying failed determining unit, verifying unsuccessfully for determining.
Alternatively, the supervising device of above-mentioned financial transaction, also comprises:
Book keeping operation unit, for when verification succeeds, sends to accounting module instruction of keeping accounts, keeps accounts to trigger described accounting module to described Accounting Request;
Abnormal information registration and alarm unit, for when verifying unsuccessfully, record the abnormal information of described Accounting Request, concurrent alarming information of delivering newspaper.
Alternatively, the supervising device of above-mentioned financial transaction, the parameter to be verified that described parameter extraction unit to be verified is extracted comprises: salable item, transaction code, accounting operational code and account balance type; Correspondingly, described Verification unit to be verified comprises:
, there is financial accounting product corresponding to described salable item for judging whether, obtaining the first judged result in the first judgment sub-unit; If described first judged result is yes, trigger the second judgment sub-unit, if described first judged result is no, triggers second and determine subelement;
Second judgment sub-unit, for judging whether to exist described transaction code and permission parameter transaction corresponding to described accounting operational code, obtains the second judged result; If described second judged result is yes, trigger the 3rd judgment sub-unit, if described second judged result is no, triggers second and determine subelement;
3rd judgment sub-unit, for determining the subject attribute that described account balance type is corresponding, and judging whether to exist described financial accounting product and account title corresponding to described subject attribute, obtaining the 3rd judged result; If described 3rd judged result is yes, triggers first and determine subelement, if described 3rd judged result is no, triggers second and determine subelement;
First determines subelement, for determining that described judged result is yes;
Second determines subelement, for determining that described judged result is no.
Alternatively, the supervising device of above-mentioned financial transaction, described accounting template judging unit comprises:
Whether described accounting template judging unit, in default accounting allocation list, search and exist by the record adjusting operational code, keep accounts direction, financial accounting product, subject attribute and account title form, obtain lookup result; Wherein, described accounting operational code and described book keeping operation direction are in described Accounting Request, and described financial accounting product, described subject attribute and described account title are in described monitoring parameter.
Alternatively, the supervising device of above-mentioned financial transaction, also comprises:
Attribute information amendment unit, for when verifying unsuccessfully, obtains the record number of times of abnormal information corresponding to described Accounting Request; If when described record number of times exceedes preset times threshold value, revise the attribute information of transaction code in described Accounting Request.
As known from the above, the present invention has following beneficial effect:
Financial transaction method for supervising provided by the invention, parameter to be verified is extracted in the Accounting Request of current transaction, first treat checking parameter to judge, namely in the Transaction Information preserved in advance, whether there is the monitoring parameter of parameter to be verified, if exist, search further, in the accounting allocation list pre-set, whether there is the record be jointly made up of the parameter in this Accounting Request and monitoring parameter, if exist equally, then illustrate that current transaction is by verification, and then determine verification succeeds, if judged result for do not exist or lookup result for not exist, current transaction is then described not by verification, and then determine to verify unsuccessfully.Visible, the present invention can, when transaction is kept accounts, utilize the parameter in transaction to carry out accuracy verification to it.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only embodiments of the invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to the accompanying drawing provided.
The process flow diagram of the method for supervising of the financial transaction that Fig. 1 provides for the embodiment of the present invention;
Another process flow diagram of the method for supervising of the financial transaction that Fig. 2 provides for the embodiment of the present invention;
The another process flow diagram of the method for supervising of the financial transaction that Fig. 3 provides for the embodiment of the present invention;
The structural representation of the supervising device of the financial transaction that Fig. 4 provides for the embodiment of the present invention;
Another structural representation of the supervising device of the financial transaction that Fig. 5 provides for the embodiment of the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
In financial transaction process, financial sector can generate corresponding parameter according to the parameter of user's input, and parameter can be encapsulated in Accounting Request, and is sent to charging interface, carries out book keeping operation operation to trigger accounting module.Invention thought of the present invention is namely: utilize the parameter in Accounting Request, verifies pre-setting in template table, thus completes and monitor the accuracy of financial transaction.It should be noted that, each template generates according to trading rules, can reflect trading rules.
See Fig. 1, it illustrates the flow process of the method for supervising of the financial transaction that the embodiment of the present invention provides, specifically comprise the following steps:
Step S101: when receiving Accounting Request, extracts the parameter to be verified in Accounting Request.
Wherein, when the transaction modules in financial sector needs to keep accounts to transaction, can charging interface be called, particularly, send Accounting Request to charging interface, in this request, comprise multiple parameter.Thus after charging interface receives this Accounting Request, can trigger the execution module of the present embodiment according to default extracting rule, extract some parameter in Accounting Request, the parameter of extraction can be referred to as parameter to be verified.
It should be noted that, the parameter in Accounting Request is the parameter relevant to this transaction that financial sector generates automatically, and as adjusted operational code, Transaction Identification Number etc., concrete parameter please see below.
Step S102: judge whether to there is monitoring parameter corresponding to described parameter to be verified, obtains judged result; If described judged result is yes, perform step S103, if described judged result is no, perform step S105.
We know, the concept in accounting category can be used to carry out record to transaction.In the present embodiment, the whole transaction can carried out in statistics financial sector, and these attribute informations of concluding the business are saved in advance, and be that the attribute information preserved arranges monitoring parameter, as account title, subject attribute etc.Wherein, attribute and monitoring parameter are accounting concept.
This step judges the accounting parameter (parameter to be verified) in transaction, to determine whether in advance for these parameters preserve corresponding parameter, i.e. monitoring parameter, if exist, then can carry out the judgement in step S103, if do not exist, then this current transaction is described not by monitoring, direct execution step S105, namely determines to verify unsuccessfully.
Step S103: in default accounting allocation list, searches the record whether existing and be made up of the parameter in described Accounting Request and described monitoring parameter, obtains lookup result, if described lookup result is yes, perform step S104, if described lookup result is no, perform step S105.
As shown in the above description, the attribute of accounting category can be used to carry out record to transaction, except above-mentioned judgement, in order to more fully monitor, can also judge whether to there is the record be made up of two parts parameter further.It should be noted that, need the attribute information of whole transaction in pre-recorded financial sector and the monitoring parameter of correspondence.Alternatively, attribute information and monitoring parameter can be kept to be adjusted in allocation list (accounting template), namely records the attribute of each transaction and monitoring parameter corresponding to attribute in form.
When current transaction needs are kept accounts, according to presetting, in the Accounting Request of concluding the business in this prior, extract some parameter, and judge, in accounting allocation list, whether to there is the record be made up of these parameters and the above-mentioned monitoring parameter found.If exist, then illustrate that this current transaction is normal transaction, and then perform step S104.Otherwise this transaction has problems, perform step S105.
Step S104: determine verification succeeds.
Step S105: determine to verify unsuccessfully.
Wherein, verify and current parameter existing problems of carrying out this transaction of keeping accounts unsuccessfully are described, thus this situation of related personnel can be reminded further.
From above technical scheme, the financial transaction method for supervising that the present embodiment provides, parameter to be verified is extracted in the Accounting Request of current transaction, first treat checking parameter to judge, namely in the Transaction Information preserved in advance, whether there is the monitoring parameter of parameter to be verified, if exist, search further, in the accounting allocation list pre-set, whether there is the record be jointly made up of the parameter in this Accounting Request and monitoring parameter, if exist equally, then illustrate that current transaction is by verification, and then determine verification succeeds, if judged result for do not exist or lookup result for not exist, current transaction is then described not by verification, and then determine to verify unsuccessfully.Visible, the present embodiment can, when transaction is kept accounts, utilize the parameter in transaction it to be carried out to the verification of accuracy and compliance.
On the basis of above-described embodiment, check results can be utilized further to carry out subsequent treatment, specifically as shown in Figure 2, after step s 104, perform step S106, namely when verification succeeds, send book keeping operation instruction to accounting module, to trigger described accounting module, described Accounting Request is kept accounts, after step s 104, step S107 is performed, namely when verifying unsuccessfully, record the abnormal information of described Accounting Request, concurrent alarming information of delivering newspaper.It should be noted that, other steps in this diagram see above-mentioned explanation, can not repeat herein.
Particularly, if verification succeeds, then trigger accounting module and keep accounts to this Accounting Request, namely book keeping operation is generate transaction details, this transaction details and accounting voucher to transaction request; If verify unsuccessfully, need to record the abnormal information in Accounting Request, abnormal information refers to not by the parameter information of verification, above-mentioned monitoring comprises judgement and searches, and does not pass through, then record the parameter that there is not corresponding monitoring parameter if judge, do not pass through if search, then record the parameter do not found.
Further, when verifying unsuccessfully, warning message can also be sent to monitor staff, to point out its current transaction existing problems.Wherein, the form of warning message can be note, mail etc., and certainly, can also be other, the present invention be also not specifically limited.
It should be noted that, if verify unsuccessfully, may be cause because the current transaction business in financial sector is not set to correct parameter, and benign transaction, therefore, alternatively, while recording exceptional information, also trigger accounting module and Accounting Request is kept accounts, but also need to send warning message, therefore, related personnel recognizes abnormal conditions.
Certainly, if the abnormal conditions of certain Accounting Request often occur, illustrating in this transaction there is higher financial risks, therefore, when verifying unsuccessfully, can obtain the record number of times of abnormal information corresponding to described Accounting Request; If when described record number of times exceedes preset times threshold value, revise the attribute information of transaction code in described Accounting Request.Wherein, after revising the attribute information of transaction code in Accounting Request, the accounting module in financial sector then can not be kept accounts for this transaction, namely can not generate transaction details.Alternatively, amendment can also be the modify instruction according to artificial input, particularly, after related personnel receives warning message, abnormal conditions can be judged according to this information, if judged result is that to there is the serious rule situation that do not conform to as comparatively large in dealing money, then this kind of verification not by and then may there is obvious risk in the larger transaction of the amount of money related to, and then the controlled attribute information of manual amendment's transaction code.
Below the parameter to be verified in above-described embodiment is described in detail.
Parameter to be verified can comprise: salable item, transaction code, accounting operational code and account balance type.Based on this parameter to be verified, step S102 judges whether to there is monitoring parameter corresponding to described parameter to be verified, and the specific implementation process obtaining judged result is:
Judge whether to there is financial accounting product corresponding to described salable item, obtain the first judged result; If described first judged result is yes, judges whether to exist described transaction code and permission parameter transaction corresponding to described accounting operational code, obtain the second judged result; If described second judged result is yes, determine the subject attribute that described account balance type is corresponding, and judge whether to exist described financial accounting product and account title corresponding to described subject attribute, obtain the 3rd judged result; If described 3rd judged result is yes, determine that described judged result is yes; If any one or more in described first judged result, described second judged result and described 3rd judged result are no, determine that described judged result is no.
Particularly, the parameter to be verified can extracted in the Accounting Request of current transaction comprises: salable item, transaction code, accounting operational code and account balance type.
Wherein, salable item refer to client set up deposit or the contract of the type such as loan time (when opening an account), for the type of transaction related in contract determines unique salable item.Such as, client handles individual's building for commercial use loan on the other hand in bank, the salable item that its contract is corresponding is " Credit Assets-personal loan-Renminbi is building for commercial use loan on the other hand ", wherein, " Credit Assets " represents product line, " personal loan " represent product group, " Renminbi on the other hand building for commercial use loan " represents production number.
In the financial accounting product mapping relations table preset, prestore the financial accounting product that each salable item is corresponding.For this parameter of the salable item in current Accounting Request, in this financial accounting product mapping relations table, search corresponding financial accounting product, obtain if search, then carry out follow-up judgement.If do not find, then directly determine that judged result is no, thus execution step S105 determines to verify unsuccessfully.For above-mentioned salable item, the visible table 1 of financial accounting product found in financial accounting product mapping relations table.
Table 1
| Product line | Product group | Production number | Financial accounting product |
| Credit Assets | Personal loan | Renminbi is building for commercial use loan on the other hand | Short-term individual housing loan on the other hand |
In the present embodiment, also need to utilize the transaction code in parameter to be verified and adjust operational code to verify accounting scene.Wherein, transaction code and accounting operational code can reflect accounting scene, salable item described above is when concluding the business, the transaction code generated is " loan activation is made loans ", the accounting operational code generated be " loan principal granting ", then the accounting scene that this transaction is described is for offering loans capital to client by transaction " activation of providing a loan is made loans ".
For realizing the verification to above-mentioned accounting scene, being previously provided with and adjusting scene configuration table, wherein recording various accounting scene and whether be allowed to.Illustrate with above-mentioned transaction code and accounting operational code, the permission parameter transaction found in accounting scene configuration table is in table 2.
Table 2
| Transaction code | Adjust operational code | Whether allow |
| Loan activation is made loans | Loan principal is provided | Allow |
In the present embodiment, not only be previously provided with financial accounting product mapping relations table, and be previously provided with subject best property of attribute mapping relation table, what store in this table is corresponding relation between account balance type and subject attribute, thus, after finding financial accounting product, can in this subject best property of attribute mapping relation table, determine the subject attribute that account balance type in Accounting Request is corresponding.For above-mentioned salable item, its corresponding account balance type is " balance due ", the visible table 3 of subject attribute found in subject best property of attribute mapping relation table.
Table 3
| Product line | Product group | Account balance type | Subject attribute |
| Credit Assets | Personal loan | Balance due | Assets capital |
In addition, be also previously provided with account title mapping relations table, in this table, store financial accounting product, the account title of record correspondence that subject attribute builds jointly.Therefore, after determining subject attribute, and then in this account title mapping relations table, search the financial accounting product that whether exists and determine and account title corresponding to subject attribute.For above-mentioned salable item, the visible table 4 of the account title found in the table.
Table 4
| Financial accounting product | Subject attribute | Account title |
| Short-term individual housing loan on the other hand | Assets capital | Individual's production and operation loan |
Above describe and treat checking parameter and carry out three judgements, namely judge whether at financial accounting product corresponding to salable item, judge whether to there is transaction code and adjust permission parameter transaction corresponding to operational code, judge whether to exist financial accounting product and account title corresponding to subject attribute.If three judgements are and are, then the judged result of determining step S102 is yes, thus namely execution step S103 utilizes default allocation list of adjusting to carry out search procedure, and concrete search procedure asks for an interview above-mentioned explanation.But any one is no in these three judged results judged, then directly the judged result of determining step S102 is no, performs step S105 and determines to verify unsuccessfully.
In addition, the step S103 in above-described embodiment, in default accounting allocation list, searches the record whether existing and be made up of the parameter in described Accounting Request and described monitoring parameter, and the specific implementation process obtaining lookup result is:
In default accounting allocation list, search and whether exist by the record adjusting operational code, keep accounts direction, financial accounting product, subject attribute and account title form, obtain lookup result; Wherein, described accounting operational code and described book keeping operation direction are in described Accounting Request, and described financial accounting product, described subject attribute and described account title are in described monitoring parameter.
Particularly, step S102 can determine financial accounting product, subject attribute and the account title that Accounting Request is corresponding.Adjust in allocation list record each transaction accounting operational code, book keeping operation direction, financial accounting product, subject attribute and account title combination, namely each record namely adjusted in allocation list is the combination of above-mentioned five kinds of information.Therefore, in accounting allocation list, search whether there is a record identical with the parameter in Accounting Request and monitoring parameter, if find, then determine that lookup result is yes, determine verification succeeds, otherwise, determine to verify unsuccessfully.
For above-mentioned salable item, the record searched in accounting allocation list is see table 5.
Table 5
| Adjust operational code | Financial accounting product | Subject attribute | Account title | Book keeping operation direction |
| Loan principal is provided | Short-term individual housing loan on the other hand | Assets capital | Individual's production and operation loan | Borrow |
By the short-term individual in table 5, housing loan is known on the other hand, and when needs loan principal is provided, it is satisfactory for being issued to individual Demand Deposit Accounts, if make loans during banker's deposit account, then undesirable, namely search less than such record, thus verify unsuccessfully.
Alternatively, contract, salable item, transaction code, accounting operational code, account balance type, parameter such as book keeping operation direction and the amount of money etc. can be comprised in the transaction details of generation.For above-mentioned salable item, for this salable item, if if current Accounting Request offers loans 500,000 by transaction " transaction activation is made loans " to client, the transaction details of generation is specifically as shown in table 6.
Table 6
In addition, the complete procedure of the above-mentioned complete monitoring to financial transaction can also be shown in Figure 3.In the figure, after showing that charging interface receives Accounting Request, to the process that the parameter in Accounting Request is verified, and when verifying unsuccessfully, can the concurrent alarming information of delivering newspaper of recording exceptional situation.
Be introduced the supervising device of the financial transaction that the embodiment of the present invention provides below, it should be noted that, the explanation of the supervising device of associated financial transaction see the method for supervising of financial transaction provided above, can not repeat below.
Participate in Fig. 4, it illustrates the structure of the supervising device of the financial transaction that the embodiment of the present invention provides, specifically comprise: parameter extraction unit 101 to be verified, Verification unit 102 to be verified, accounting template judging unit 103, verification succeeds determining unit 104 and verify failed determining unit 105; Wherein:
Parameter extraction unit 101 to be verified, for when receiving Accounting Request, extracts the parameter to be verified in Accounting Request;
, there is monitoring parameter corresponding to described parameter to be verified for judging whether in Verification unit 102 to be verified, obtains judged result; If described judged result is yes, trigger accounting template judging unit 103, if described judged result is no, trigger the failed determining unit 105 of verification;
Accounting template judging unit 103, for in default accounting allocation list, search the record whether existing and be made up of the parameter in described Accounting Request and described monitoring parameter, obtain lookup result, if described lookup result is yes, trigger verification succeeds determining unit 104, if described lookup result is no, trigger the failed determining unit 105 of verification;
Verification succeeds determining unit 104, for determining verification succeeds;
Verifying failed determining unit 105, verifying unsuccessfully for determining.
From above technical scheme, in the supervising device of the financial transaction that the present embodiment provides, first utilize Verification unit 102 to be verified to treat checking parameter and carry out existence checking, after this is verified, accounting template judging unit 103 is in budget allocation list, search the record that whether there is the monitoring parameter that found by the parameter in Accounting Request and Verification to be verified 102 and jointly form, if exist, verification succeeds determining unit 104 determines verification succeeds, otherwise verifies failed determining unit 105 and determine to verify unsuccessfully.
As shown in Figure 5, said apparatus can also comprise: book keeping operation unit 106 and abnormal information are registered and alarm unit 107; Wherein:
Book keeping operation unit 106, is connected with verification succeeds determining unit 104, for when verification succeeds, to keep accounts instruction, keep accounts to trigger described accounting module to described Accounting Request to accounting module transmission;
Abnormal information registration and alarm unit 107, being connected with the failed determining unit 105 of verification, for when verifying unsuccessfully, recording the abnormal information of described Accounting Request, concurrent alarming information of delivering newspaper.
Particularly, the parameter to be verified that parameter extraction unit 101 to be verified is extracted comprises: salable item, transaction code, accounting operational code and account balance type; Correspondingly, Verification unit 102 to be verified comprises:
, there is financial accounting product corresponding to described salable item for judging whether, obtaining the first judged result in the first judgment sub-unit; If described first judged result is yes, trigger the second judgment sub-unit, if described first judged result is no, triggers second and determine subelement;
Second judgment sub-unit, for judging whether to exist described transaction code and permission parameter transaction corresponding to described accounting operational code, obtains the second judged result; If described second judged result is yes, trigger the 3rd judgment sub-unit, if described second judged result is no, triggers second and determine subelement;
3rd judgment sub-unit, for determining the subject attribute that described account balance type is corresponding, and judging whether to exist described financial accounting product and account title corresponding to described subject attribute, obtaining the 3rd judged result; If described 3rd judged result is yes, triggers first and determine subelement, if described 3rd judged result is no, triggers second and determine subelement;
First determines subelement, for determining that described judged result is yes;
Second determines subelement, for determining that described judged result is no.
Alternatively, described accounting template judging unit 103 can be the accounting template judging unit of following form, this accounting template judging unit i.e., for in default accounting allocation list, search and whether exist by the record adjusting operational code, keep accounts direction, financial accounting product, subject attribute and account title form, obtain lookup result; Wherein, described accounting operational code and described book keeping operation direction are in described Accounting Request, and described financial accounting product, described subject attribute and described account title are in described monitoring parameter.
Alternatively, financial transaction supervising device also comprises:
Attribute information amendment unit, for when verifying unsuccessfully, obtains the record number of times of abnormal information corresponding to described Accounting Request; If when described record number of times exceedes preset times threshold value, revise the attribute information of transaction code in described Accounting Request.
It should be noted that, each embodiment in this instructions all adopts the mode of going forward one by one to describe, and what each embodiment stressed is the difference with other embodiments, between each embodiment identical similar part mutually see.
Also it should be noted that, in this article, the such as relational terms of first and second grades and so on is only used for an entity or operation to separate with another entity or operational zone, and not necessarily requires or imply the relation that there is any this reality between these entities or operation or sequentially.And, term " comprises ", " comprising " or its any other variant are intended to contain comprising of nonexcludability, thus make to comprise the process of a series of key element, method, article or equipment and not only comprise those key elements, but also comprise other key elements clearly do not listed, or also comprise by the intrinsic key element of this process, method, article or equipment.When not more restrictions, the key element limited by statement " comprising ... ", and be not precluded within process, method, article or the equipment comprising above-mentioned key element and also there is other identical element.
To the above-mentioned explanation of the disclosed embodiments, professional and technical personnel in the field are realized or uses the present invention.To be apparent for those skilled in the art to the multiple amendment of these embodiments, General Principle as defined herein can without departing from the spirit or scope of the present invention, realize in other embodiments.Therefore, the present invention can not be restricted to these embodiments shown in this article, but will meet the widest scope consistent with principle disclosed herein and features of novelty.
Claims (10)
1. a method for supervising for financial transaction, is characterized in that, comprising:
When receiving Accounting Request, extract the parameter to be verified in Accounting Request;
Judge whether to there is monitoring parameter corresponding to described parameter to be verified, obtain judged result;
If described judged result is yes, in default accounting allocation list, search the record whether existing and be made up of the parameter in described Accounting Request and described monitoring parameter, obtain lookup result, if described lookup result is yes, determine verification succeeds, if described lookup result is no, determine to verify unsuccessfully;
If described judged result is no, determine to verify unsuccessfully.
2. the method for supervising of financial transaction according to claim 1, is characterized in that, also comprises:
When verification succeeds, send book keeping operation instruction to accounting module, to trigger described accounting module, described Accounting Request is kept accounts;
When verifying unsuccessfully, record the abnormal information of described Accounting Request, concurrent alarming information of delivering newspaper.
3. the method for supervising of financial transaction according to claim 1, is characterized in that, described parameter to be verified comprises: salable item, transaction code, accounting operational code and account balance type;
Correspondingly, described in judge whether to there is monitoring parameter corresponding to described parameter to be verified, obtain judged result comprise:
Judge whether to there is financial accounting product corresponding to described salable item, obtain the first judged result;
If described first judged result is yes, judges whether to exist described transaction code and permission parameter transaction corresponding to described accounting operational code, obtain the second judged result;
If described second judged result is yes, determine the subject attribute that described account balance type is corresponding, and judge whether to exist described financial accounting product and account title corresponding to described subject attribute, obtain the 3rd judged result;
If described 3rd judged result is yes, determine that described judged result is yes;
If any one or more in described first judged result, described second judged result and described 3rd judged result are no, determine that described judged result is no.
4. the method for supervising of financial transaction according to claim 1, is characterized in that, described in default accounting allocation list, searches the record whether existing and be made up of the parameter in described Accounting Request and described monitoring parameter, obtains lookup result and comprises:
In default accounting allocation list, search and whether exist by the record adjusting operational code, keep accounts direction, financial accounting product, subject attribute and account title form, obtain lookup result; Wherein, described accounting operational code and described book keeping operation direction are in described Accounting Request, and described financial accounting product, described subject attribute and described account title are in described monitoring parameter.
5. the method for supervising of financial transaction according to claim 2, is characterized in that, when verifying unsuccessfully, also comprises:
Obtain the record number of times of abnormal information corresponding to described Accounting Request;
If when described record number of times exceedes preset times threshold value, revise the attribute information of transaction code in described Accounting Request.
6. a supervising device for financial transaction, is characterized in that, comprising:
Parameter extraction unit to be verified, for when receiving Accounting Request, extracts the parameter to be verified in Accounting Request;
, there is monitoring parameter corresponding to described parameter to be verified for judging whether in Verification unit to be verified, obtains judged result; If described judged result is yes, trigger accounting template judging unit, if described judged result is no, trigger the failed determining unit of verification;
Accounting template judging unit, for in default accounting allocation list, search the record whether existing and be made up of the parameter in described Accounting Request and described monitoring parameter, obtain lookup result, if described lookup result is yes, trigger verification succeeds determining unit, if described lookup result is no, trigger the failed determining unit of verification;
Verification succeeds determining unit, for determining verification succeeds;
Verifying failed determining unit, verifying unsuccessfully for determining.
7. the supervising device of financial transaction according to claim 6, is characterized in that, also comprises:
Book keeping operation unit, for when verification succeeds, sends to accounting module instruction of keeping accounts, keeps accounts to trigger described accounting module to described Accounting Request;
Abnormal information registration and alarm unit, for when verifying unsuccessfully, record the abnormal information of described Accounting Request, concurrent alarming information of delivering newspaper.
8. the supervising device of financial transaction according to claim 6, is characterized in that, the parameter to be verified that described parameter extraction unit to be verified is extracted comprises: salable item, transaction code, accounting operational code and account balance type; Correspondingly, described Verification unit to be verified comprises:
, there is financial accounting product corresponding to described salable item for judging whether, obtaining the first judged result in the first judgment sub-unit; If described first judged result is yes, trigger the second judgment sub-unit, if described first judged result is no, triggers second and determine subelement;
Second judgment sub-unit, for judging whether to exist described transaction code and permission parameter transaction corresponding to described accounting operational code, obtains the second judged result; If described second judged result is yes, trigger the 3rd judgment sub-unit, if described second judged result is no, triggers second and determine subelement;
3rd judgment sub-unit, for determining the subject attribute that described account balance type is corresponding, and judging whether to exist described financial accounting product and account title corresponding to described subject attribute, obtaining the 3rd judged result; If described 3rd judged result is yes, triggers first and determine subelement, if described 3rd judged result is no, triggers second and determine subelement;
First determines subelement, for determining that described judged result is yes;
Second determines subelement, for determining that described judged result is no.
9. the supervising device of financial transaction according to claim 6, is characterized in that, described accounting template judging unit comprises:
Whether described accounting template judging unit, in default accounting allocation list, search and exist by the record adjusting operational code, keep accounts direction, financial accounting product, subject attribute and account title form, obtain lookup result; Wherein, described accounting operational code and described book keeping operation direction are in described Accounting Request, and described financial accounting product, described subject attribute and described account title are in described monitoring parameter.
10. the supervising device of financial transaction according to claim 7, is characterized in that, also comprises:
Attribute information amendment unit, for when verifying unsuccessfully, obtains the record number of times of abnormal information corresponding to described Accounting Request; If when described record number of times exceedes preset times threshold value, revise the attribute information of transaction code in described Accounting Request.
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