Disclosure of Invention
The embodiment of the application provides a method, a device and equipment for guaranteeing the safety of customer assets. The problem that the original whole payment system is mainly stood in the dimension of an organization for accounting and cannot see a complete view of a customer dimension asset is solved.
The application provides a method for guaranteeing the safety of customer assets, which comprises the following steps:
receiving an asset change message of a client sent by each accounting system;
translating the received asset transition messages for each customer into asset transition details for each customer;
and performing asset trial balance of each client according to the asset transition details of each client.
Further, the customer's asset transition message includes a business document number; the method further comprises the following steps:
checking the uniqueness of the business document number in the received asset change message of each client;
under the condition that the business document number in the received asset change message of each client is unique, verifying the legality of the received asset change message of each client;
further, said translating the received asset transition messages for each customer into asset transition details for each customer comprises: and in the case that the received asset transition message of each client is legal, translating the received asset transition message of each client into the asset transition details of each client.
Further, said performing asset trial balance for each customer based on the asset transition detail for each customer comprises:
receiving trial balance task information sent by a scheduling center, wherein the trial balance task information comprises a client ID;
classifying the clients according to the client ID sub-table positions;
for each customer after the classification, performing asset trial balance on the asset transition details according to each customer ID and the billing date.
Further, the client ID sub-table bits are the second last bit and the third last bit of the client ID.
Further, said performing, for each customer after the categorization, a trial balance of assets on the asset transition schedule based on each customer ID and the billing date comprises:
for each classified customer, obtaining asset transition details according to each customer ID and a billing date before the current billing date;
and performing asset trial balance on the obtained asset change details for each classified client.
Further, the method further comprises: and under the condition that the assets of the client are unbalanced, screening out unbalanced business document numbers and executing alarm.
The application also provides a device for guaranteeing the safety of the client assets, which comprises: the translation module and the trial balance execution module;
the translation module is used for receiving the asset change message of the client sent by each accounting system; and further for translating the received asset transition messages for each customer into asset transition details for each customer;
and the trial balance execution module is used for executing the asset trial balance of each client according to the asset change details of each client.
Further, the customer's asset transition message includes a business document number; the device also includes: the checking module is used for checking the uniqueness of the business document number in the received asset change message of each client; and under the condition that the business document number in the received asset change message of each client is unique, verifying the legality of the received asset change message of each client.
Further, the translation module is specifically configured to translate the received asset transition message of each client into the asset transition details of each client if the received asset transition message of each client is legal.
Further, the trial balance execution module is specifically configured to receive a trial balance task message sent by the scheduling center, where the trial balance task message includes a client ID; classifying the clients according to the client ID sub-table positions; for each customer after the classification, performing asset trial balance on the asset transition details according to each customer ID and the billing date.
Further, the client ID sub-table bits are the second last bit and the third last bit of the client ID.
Further, the trial balance execution module further includes: the asset transition detail acquiring module is used for acquiring the asset transition details for each classified client according to each client ID and the previous accounting date of the current accounting date; and the trial balance execution module is used for executing asset trial balance on the obtained asset change details for each classified client.
Further, the apparatus further comprises: and the alarm module is used for screening out unbalanced business document numbers and executing alarm under the condition that the assets of the client are unbalanced.
The application also provides a device for guaranteeing the safety of the client assets, which comprises: a memory and a processor, the memory storing a program and configured to perform the following steps by the processor: receiving an asset change message of a client sent by each accounting system; translating the received asset transition messages for each customer into asset transition details for each customer; and performing asset trial balance of each client according to the asset transition details of each client.
Compared with the prior art, the method and the system have the advantages that the asset change information of the client sent by each accounting system is received, the asset trial balance is carried out by standing in the dimension of the client, the asset safety problem of the client is monitored and found in a quasi-real-time mode, and the asset safety of the client is guaranteed.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be described in detail and completely with reference to the following specific embodiments of the present application and the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application, and not all of the embodiments. In order to solve the problem that the original whole Payment system mainly stands on the dimension of an organization for accounting and cannot see a complete view of a customer dimension asset, the method adopted by the embodiment of the invention is as follows:
fig. 1 is a schematic flowchart of an embodiment of a method for securing a customer asset provided in the present application, where the schematic flowchart includes:
step 105, receiving the asset change message of the client sent by each accounting system;
the ant system comprises a payment treasure, a money bringing treasure, a treasure gathering and the like. As shown in step 205 of fig. 2, each accounting system sends a change-of-property message of the client when the client's property changes; and the asset accounting translation component receives the asset change message of the client according to the preset unified message body. Further, the preset unified message body includes: billing operation, billing date, user identification, asset type, asset identification, billing direction, and billing amount. The preset unified message body content comprises the following contents: 1) and (5) accounting action. Such as: the user charges the balance, and the user draws the card, transfers money and the like; 2) and accounting date. And indicating the attribution date of the accounting detail, wherein the format is as follows: yyyMMdd; 3) the user ID. When the user opens an account in the payment treasure, the user marks are given by ants in a unified way, for example: 2088102162089014, wherein the penultimate and penultimate positions are epitope positions; 4) the asset type. The ant system defines the property classification. Such as a balance treasure, a balance, a fund, a bank card; 5) and (4) identifying the assets. In order to mark specific subclasses under asset types, such as bank cards of users, bank building cards, rural bank cards and the like; 6) billing direction. And (4) lending and expressing. Increase by debit and decrease by credit; 7) the amount is billed. The amount of accounting is positive and is more than 0; 8) billing the unique ID. The method is mainly used for controlling the unique identifier of the message falling into the database. For example: customer a, ID 2088102162089014, initiated a balance treasure to purchase fund a, and made a 1000 subscription. 1) The balance bank accounting system performs accounting operation and sends out messages, wherein the messages are as follows: accounting action: the balance treasure adopts fund subscription; accounting date: 20180612, respectively; user ID: 2088102162089014, respectively; asset type: a balance treasure; asset identification: accounting direction: lending; accounting amount: 1000.00; billing unique ID: A0001. 2) the fund A is applied, the fund accounting system carries out accounting (comprising 1 money commission) and sends out a message, and the message is as follows: accounting action: the balance treasure adopts fund subscription; accounting date: 20180612, respectively; user ID: 2088102162089014, respectively; asset type: a fund; asset identification: a fund A; accounting direction: borrowing; accounting amount: 999.00, respectively; billing unique ID: a0002; accounting action: the balance treasure adopts fund subscription; accounting date: 20180612, respectively; user ID: 2088102162089014, respectively; asset type: paying out; asset identification: a commission fee; accounting direction: borrowing; accounting amount: 1.00; billing unique ID: A0003.
optionally, the customer's asset transition message includes a business document number;
step 110, translating the received asset transition messages of each client into asset transition details of each client;
the asset accounting translation component receives customer's asset change messages sent by the various accounting systems. Optionally, as shown in FIG. 2 at step 210, the asset accounting translation component may first verify the received customer's asset change message to prevent duplicate and false messages. Further, checking the uniqueness of the business document number in the received asset change message of each customer, specifically, checking whether the business document number in the received asset change message of each customer is repeated with the business document number in the asset change message of the customer already stored in the asset accounting translation component; in the case that the service document number in the received asset transition message of each client is unique, verifying the validity of the received asset transition message of each client, specifically, mainly verifying whether the content in the asset transition message of the client meets a defined standard, and mainly comprising: 1) the billing action, the billing date, the user ID, the asset type, the billing direction, the billing amount, and the billing unique ID content may not be null; 2) whether the billing date conforms to the date rule of yyyyMMdd or not; 3) the accounting amount must be greater than 0; 4) whether the accounting direction is two rules of borrowing and lending; in the event that the received customer-for-customer asset transition message is legitimate, the asset translation accounting component translates the received customer-for-customer asset transition message into customer-for-customer asset transition details, as in step 215 of FIG. 2.
Specifically, the asset accounting translation component translates the received asset change message of each client into a field in a database, stores the received asset change message, and translates the received asset change message into a field accounting _ action; the accounting date is translated into a field accounting _ date; translating the user ID into a field user _ ID; asset type is translated into field asset _ type; asset identification is translated into a field asset _ sign; the accounting direction is translated into a field direction; the amount of the debit is translated to a field trans _ account; the accounting unique ID is translated into field unique _ ID. Specifically, the customer's asset transition message sent by the balance bank accounting system in step 105 is landed in the database, and is recorded as follows:
the fund registration accounting message sent by the fund accounting system in step 105 falls to the database, and the record after falling to the ground is as follows:
the fund commission accounting message sent by the fund accounting system in step 105 falls to the database, and the records after falling to the ground are as follows:
and step 115, performing asset trial balance of each client according to the asset transition details of each client.
Shown in table 1 is an asset transition schedule.
TABLE 1
The above-described asset transition schedule includes asset transition details for user ID1 and user ID 2. Optionally, as shown in step 220 of fig. 2, the scheduling center sends a trial balance task message, which contains the client ID. Because the number of clients is huge, in order to ensure the rapid trial balance of assets, as step 225 in fig. 2, the asset trial balance component classifies all the clients according to the client ID sub-positions after receiving the trial balance task message; further, the client ID sub-position is the last but one bit and the last but one bit of the client ID; for each customer after the classification, performing asset trial balance on the asset transition details according to each customer ID and the billing date. In this embodiment, as shown in step 230 of FIG. 2, for each classified customer, asset transition details are obtained based on each customer ID and a billing date immediately preceding the current billing date; for each customer after classification, asset trial balance is performed on the obtained asset transition detail, as in step 235 in fig. 2. Further, in the present embodiment, all clients are classified into 100 classes according to the client ID grouping table. Each time 1000 customers are obtained from a class of customers, the inventory change details for 1000 customers are obtained based on each customer ID and the billing date immediately preceding the current billing date. And performing asset trial balance aiming at the asset change details of 1000 clients.
Further, in this embodiment, in the case that the assets of the customer are unbalanced, as shown in steps 240 and 245 in fig. 2, the unbalanced business document number is screened out and an alarm is executed.
In this embodiment, the daily trial balance of the customer's assets is the trial balance of the customer's assets on the previous billing date. Because the asset transition schedule includes a plurality of details, it may be a current accounting date or a previous accounting date. Taking the trial balance for a client as an example, as shown in fig. 3, it is determined whether the client has equal loan and loan according to the detail of the client's asset transition, and if the loan and the loan are equal, the client's asset is balanced; if the borrowing and lending are not equal, the assets of the client are unbalanced. Specifically, the 6-month and 13-day scheduling center triggers the 6-month and 12-day trial balance task, and acquires all asset transition details with the accounting date of 20180612 and the customer ID of 2088102162089014 for trial balance. Further, asset change details of client user _ id 2088102162089014 and accounting _ date 20180612 are obtained, and loan summary is performed to summarize the results: borrow 1000.00, loan: 1000.00, the trial balance result is passed, and no alarm is given. If the borrowing and the lending are not equal, screening out unbalanced business document numbers and executing alarming to inform the client of the ID: 2088102162089014 loan is unequal, 1000.00 loan and 999.00 loan.
Compared with the prior art, the method has the advantages that the asset change information of the client sent by each accounting system is received, the asset trial balance is carried out by standing in the dimension of the client, the asset safety problem of the client is monitored and found in a quasi-real-time mode, and the asset safety of the client is guaranteed.
Fig. 4 is a schematic structural diagram of an embodiment of an apparatus for securing a customer asset provided in the present application, where the schematic structural diagram includes: a translation module 405 and a trial balance execution module 410;
the translation module 405 is configured to receive the asset transition message of the customer sent by each accounting system; and further for translating the received asset transition messages for each customer into asset transition details for each customer;
the trial balance executing module 410 is configured to execute the trial balance of the assets of each client according to the asset transition details of each client.
FIG. 5 is a detailed schematic diagram of an embodiment of an apparatus for securing customer assets provided by the present application, where the schematic diagram includes the translation module 405 and the trial balance execution module 410 in FIG. 4; wherein the trial balance execution module 410 includes an asset transition detail acquisition module 410 a; the device also includes: a verification module 505 and an alarm module 510;
optionally, the customer's asset transition message includes a business document number; the checking module 505 is specifically configured to check the uniqueness of the business document number in the received asset transition message of each customer; and under the condition that the business document number in the received asset change message of each client is unique, verifying the legality of the received asset change message of each client.
Optionally, the translating module 405 is specifically configured to translate the received asset transition message of each client into the asset transition details of each client if the received asset transition message of each client is legal.
Optionally, the trial balance executing module 410 is specifically configured to receive a trial balance task message sent by the scheduling center, where the trial balance task message includes a client ID; classifying the clients according to the client ID sub-table positions; further, the client ID sub-table bits are the second last bit and the third last bit of the client ID; for each customer after the classification, performing asset trial balance on the asset transition details according to each customer ID and the billing date.
Optionally, the asset transition detail acquiring module 410a is configured to acquire, for each classified customer, an asset transition detail according to each customer ID and a billing date before a current billing date; and the trial balance execution module is used for executing asset trial balance on the obtained asset change details for each classified client.
Optionally, the alarm module 510 is configured to, in a case that assets of the customer are unbalanced, filter out unbalanced business document numbers and perform an alarm.
Compared with the prior art, the embodiment has the advantages that the translation module receives the asset change information of the client sent by each accounting system, the trial balance execution module stands in the client dimension to perform trial balance, the asset safety problem of the client is monitored and found in a quasi-real-time manner, and the asset safety of the client is guaranteed.
The application also provides a device for guaranteeing the safety of the client assets, which comprises: a memory and a processor, the memory storing a program and configured to perform the following steps by the processor: receiving an asset change message of a client sent by each accounting system; translating the received asset transition messages for each customer into asset transition details for each customer; and performing asset trial balance of each client according to the asset transition details of each client.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.
The above are merely examples of the present application and are not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.