CN110390586A - Account checking method, device and server - Google Patents
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- CN110390586A CN110390586A CN201910665785.7A CN201910665785A CN110390586A CN 110390586 A CN110390586 A CN 110390586A CN 201910665785 A CN201910665785 A CN 201910665785A CN 110390586 A CN110390586 A CN 110390586A
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Abstract
The embodiment of the present application provides a kind of account checking method, device and server.Wherein, this method comprises: according to the preset time interval, the reconciliation file for obtaining supervisory systems feedback records file as the second data for the processing of the transaction data in preset business scenario as the first data and server；According to preset fractionation rule, first data are split into multiple first sub-blocks, second data are split into multiple second sub-blocks；According to first sub-block and second sub-block, the verification of transaction data is carried out.Since the program is by obtaining and utilizing the reconciliation file of supervisory systems feedback, and bank server records file for the processing of transaction data, it first splits into after multiple sub-blocks and carries out the verification of transaction data again with sub-block is processing unit, complete reconciliation processing.Thus without waiting for bank it is final to account result data, the processing for reducing reconciliation is time-consuming, improves treatment effeciency.
Description
Technical field
This application involves finance data processing technology field, in particular to a kind of account checking method, device and server.
Background technique
The server of the responsible clearance of bank requires to carry out the transaction data (such as transfer data etc.) of the row daily
The reconciliations processing such as clearance, verification.
Based on existing account checking method, bank server need to rely on the row it is final to account result data be used as according into
The specific reconciliation processing of row.It but is frequently not usually that can be obtained by real time to account result data.For example, some banks
To account result data may need between every two days after can just obtain, cause server to need just obtain after waiting one day accordingly
To account result data with complete reconciliation processing.As it can be seen that when carrying out reconciliation based on existing account checking method, due to needing to wait silver
Final often existing to account result data, when causing to be embodied of going can not in time, efficiently complete reconciliation and handle, and place
Manage the technical issues of time-consuming, poor user experience.
In view of the above-mentioned problems, currently no effective solution has been proposed.
Summary of the invention
The embodiment of the present application provides a kind of account checking method, device and server, with solve existing method exist can not and
When, efficiently complete reconciliation processing, and processing the technical issues of time-consuming, poor user experience, reach the processing for reducing reconciliation
Time-consuming improves the technical effect for the treatment of effeciency.
The embodiment of the present application provides a kind of account checking method, comprising:
According to the preset time interval, the reconciliation file of supervisory systems feedback is obtained as the first data and server
Processing for the transaction data in preset business scenario records file as the second data；
According to preset fractionation rule, first data are split into multiple first sub-blocks, by second number
According to splitting into multiple second sub-blocks；
According to first sub-block and second sub-block, the verification of transaction data is carried out.
In one embodiment, the preset business scenario includes T+0 clearance scene.
In one embodiment, according to first sub-block and second sub-block, transaction data is carried out
Verification, comprising:
It is handed over according to included in the Data Identification of transaction data included in the first sub-block, the second sub-block
The Data Identification of easy data, by include identical data mark transaction data the first sub-block and the second sub-block into
Row merges, the sub-block after being merged；
Determine the processing timing of the sub-block after merging；
According to processing timing, respectively according to the place of the identical transaction data of Data Identification in the sub-block after each merging
Reason record, carries out collation process, obtains the checked result of corresponding transaction data.
In one embodiment, after the checked result for obtaining corresponding transaction data, the method also includes:
According to the checked result of transaction data, determine whether the transaction data exception occurs；
In the case where determining that exception occurs in the transaction data, mentioned for the transaction data sending alarm for occurring abnormal
Show.
The embodiment of the present application also provides a kind of account checking apparatus, comprising:
Module is obtained, is used for following preset time intervals, obtains the reconciliation file of supervisory systems feedback as the first number
According to and server for the transaction data in preset business scenario processing record file as the second data；
Module is split, for according to preset fractionation rule, first data to be split into multiple first sub-blocks,
Second data are split into multiple second sub-blocks；
Module is checked, for carrying out the core of transaction data according to first sub-block and second sub-block
It is right.
In one embodiment, the preset business scenario includes T+0 clearance scene.
In one embodiment, the verification module includes:
Combining unit, Data Identification, the second subdata for the transaction data according to included in the first sub-block
The Data Identification of transaction data included in block, by include identical data mark transaction data the first sub-block and
Second sub-block merges, the sub-block after being merged；
Determination unit, for determining the processing timing of the sub-block after merging；
Unit is checked, is used for according to processing timing, it is identical according to Data Identification in the sub-block after each merging respectively
Transaction data processing record, carry out collation process, obtain the checked result of corresponding transaction data.
In one embodiment, described device further includes processing module, for the checked result according to transaction data, really
Whether the fixed transaction data there is exception；In the case where determining that exception occurs in the transaction data, abnormal for appearance
Transaction data issues warning note.
The embodiment of the present application also provides a kind of server, including processor and it is used for storage processor executable instruction
Memory, the processor is realized according to the preset time interval when executing described instruction, obtains pair of supervisory systems feedback
Account file records file conduct for the processing of the transaction data in preset business scenario as the first data and server
Second data；According to preset fractionation rule, first data are split into multiple first sub-blocks, by second number
According to splitting into multiple second sub-blocks；According to first sub-block and second sub-block, transaction data is carried out
Verification.
The embodiment of the present application also provides a kind of computer readable storage mediums, are stored thereon with computer instruction, described
Instruction is performed realization according to the preset time interval, obtains the reconciliation file of supervisory systems feedback as the first data, with
And server records file as the second data for the processing of the transaction data in preset business scenario；It is torn open according to preset
Divider then, by first data splits into multiple first sub-blocks, and second data are split into multiple second subnumbers
According to block；According to first sub-block and second sub-block, the verification of transaction data is carried out.
In the embodiment of the present application, by obtaining and utilizing the reconciliation file and bank server of supervisory systems feedback
It is combined the foundation as reconciliation processing for the processing record file of transaction data, and further splits into above-mentioned data
It after multiple sub-blocks, then with sub-block is to handle unit to carry out the verifications of particular transactions data, to complete reconciliation processing.
Without rely on bank it is final arrive account result data, the processing for reducing reconciliation is time-consuming, improves treatment effeciency, solves
It is based on existing account checking method, due to needing to wait bank final to account result data, is led to not efficiently complete in time
At reconciliation, and handle the technical issues of time-consuming, poor user experience.The skill in time, efficiently carrying out reconciliation processing is reached
Art effect.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The some embodiments recorded in application, for those of ordinary skill in the art, in the premise of not making the creative labor property
Under, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is the process flow diagram of the account checking method provided according to the application embodiment；
Fig. 2 is the composite structural diagram of the account checking apparatus provided according to the application embodiment；
Fig. 3 is the server composed structure schematic diagram based on account checking method provided by the embodiments of the present application；
Fig. 4 is the schematic diagram that account checking method provided by the embodiments of the present application and device are applied in a Sample Scenario.
Specific embodiment
In order to make those skilled in the art better understand the technical solutions in the application, below in conjunction with the application reality
The attached drawing in example is applied, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described implementation
Example is merely a part but not all of the embodiments of the present application.Based on the embodiment in the application, this field is common
The application protection all should belong in technical staff's every other embodiment obtained without making creative work
Range.
In view of existing account checking method, the final account result data that arrives due to needing to rely on bank is handled as reconciliation
According to carrying out reconciliation processing, and can not often be obtained immediately to account result data.For example, some banks arrive account knot
Fruit data may can just finally obtain after obtaining one day after corresponding transaction data, lead to bank server base
In the above method when carrying out reconciliation clearance, generally require to consume a longer time wait it is final to account result data.And then go out
Now can not efficiently complete in time reconciliation processing, and there is technical issues that handle time-consuming,.
For generate above-mentioned technical problem basic reason, the application consideration can introduce other can obtain in time and
The higher related data of reliability, which is combined, carries out reconciliation processing to the transaction data of bank, so as to avoid to acquisition
The time later dependence to account result data is reduced due to equal until the influence time-consuming to processing of account result data.Specifically,
The reconciliation file and bank server of available more reliable supervisory systems feedback are recorded for the processing of transaction data
File, and above two data are combined, collectively as the data foundation of reconciliation processing；Again further again by above-mentioned data
It splits into after multiple sub-blocks and carries out the verification of particular transactions data again with sub-block is processing unit, complete at reconciliation
Reason, so as to need not rely on bank it is final to account result data, the processing for reducing reconciliation is time-consuming, improves processing effect
Rate solves based on existing account checking method, due to needing to wait bank final to account result data, leads to not timely height
Reconciliation is completed on effect ground, and handles the technical issues of time-consuming, poor user experience, and reaching in time, efficiently to carry out at reconciliation
The technical effect of reason.
Based on above-mentioned thinking thinking, the embodiment of the present application provides a kind of account checking method.Referring specifically to shown in FIG. 1
According to the process flow diagram for the account checking method that the application embodiment provides.Account checking method provided by the embodiments of the present application, specifically may be used
To be applied to the server-side of bank, when it is implemented, may comprise steps of.
S11: according to the preset time interval, the reconciliation file of supervisory systems feedback is obtained as the first data, and clothes
Business device records file as the second data for the processing of the transaction data in preset business scenario.
In the present embodiment, user can issue transaction data processing request to the server of corresponding bank, should with request
The server of bank carries out the processing of required transaction data.
Wherein, the processing of above-mentioned transaction data specifically can be processing of transferring accounts, such as the money by user in A bank account
Golden number evidence is transferred in the account of B bank.It is also possible to the processing of credit-card type, for example, by overdraw user in the bank
Credit card amount pays payment for goods etc. to buy commodity.Certainly, it should be noted that the processing of above-mentioned cited transaction data is
One kind schematically illustrates.When it is implemented, may be incorporated into other kinds of number according to specific application scenarios and processing needs
Processing according to processing as above-mentioned transaction data.In this regard, this specification is not construed as limiting.
In the present embodiment, above-mentioned supervisory systems specifically can be understood as the mistake in the processing for carrying out specific transaction data
The third party financial institution of Cheng Zhongqi supervision and booster action.(a kind of non-banking payment mechanism is responsible for for example, net connection tissue
The platform operation mechanism of network payment clearance) a kind of third party financial institution as non-banking, each bank can pass through the group
It knits and realizes inter-bank exchange settlement, it can also be by interconnecting between the realization of net connection tissue not homologous ray, and then bank can be made
Card can be realized cross-bank, trans-regional use.In addition, net is associated in this field with relatively high confidence level, therefore can be with
Using net connection tissue as a kind of supervisory systems, the file of net connection feedback is obtained to carry out subsequent reconciliation processing.Certainly, it needs
Bright, above-mentioned cited net connection tissue is that one kind schematically illustrates.When it is implemented, according to specific application scenarios with
And process demand, it may be incorporated into other kinds of third financial institution, for example, Unionpay's tissue etc. is used as supervisory systems.In this regard,
This specification is not construed as limiting.
In the present embodiment, above-mentioned supervisory systems can participate in the processing of relevant transaction data as third financial institution,
And the processing of transaction data is monitored, and record the disposition of monitored each transaction data, obtain a packet
File record containing each transaction data processing monitored, i.e., above-mentioned reconciliation file.In addition, above-mentioned supervisory systems meeting
The reconciliation file recorded is externally announced in real time or periodically.
For example, transfer accounts processing request of the server of A bank in response user, by money of the user in the account of A bank
When golden number is according to the account for being transferred to B bank, net connection tissue can monitor the transfer of the fund data between Web bank, and will
The transfer of the fund data is recorded in corresponding reconciliation file.
In the present embodiment, above-mentioned preset time interval can flexibly be set according to the data-handling capacity of bank server
It is fixed.Specifically, above-mentioned preset time interval can be one hour, it is also possible to half an hour, can also be one minute, for upper
The specific duration of preset time interval is stated, this specification is not construed as limiting.
In the present embodiment, when it is implemented, bank server can according to the preset time interval, when preset
Between interval recorded reconciliation file is obtained from supervisory systems as the first data.
In the present embodiment, bank server itself can also record the received transaction data processing request of institute in real time, with
And for the transaction data disposition of received transaction data processing request obtain handling record file accordingly.
In the present embodiment, when it is implemented, pair of the server in addition to obtaining supervisory systems according to the preset time interval
Account file as the first data outside, can also obtain simultaneously bank server oneself record processing record file as second number
According to.
Wherein, above-mentioned first data and the second data specifically can be kind of the data recorded in real time, and server can be instant
Obtained data.It is subsequent to combine both data to replace and the long period is needed to wait just obtainable reconciliation number of results
According to reconciliation processing is carried out, so as to be effectively prevented from due to waiting reconciliation result data, the influence time-consuming to processing is shortened
The handling duration of reconciliation processing, improves treatment effeciency.
S13: according to preset fractionation rule, splitting into multiple first sub-blocks for first data, by described the
Two data split into multiple second sub-blocks.
In the present embodiment, above-mentioned first data include the processing record of multiple transaction data, similar, and above-mentioned second
Data also include the processing record of multiple transaction data.
In the present embodiment, when need to carry out the data volume of transaction data of reconciliation processing it is relatively large when, it is acquired
The data volume that first data, the second data are included also can be huger, at this moment if directly utilizing the first data and the second number
According to reconciliation processing is carried out, first when carrying out searching verification to two kinds of data, data processing amount will be comparatively huge, needs
Found in the first data and the second data for including mass data respectively corresponding same transaction data processing record into
Row verification certainly will will affect verification efficiency, and the more process resources of consumption.Secondly, if directly using the first data and
Second data carry out reconciliation processing, can not be checked more transaction data by parallel form, also be will affect simultaneously
To whole verification efficiency.
The above problem is just allowed for, in order to further increase verification efficiency, data processing amount is reduced, is specifically checking
When, the embodiment of the present application can first divide the first more huge data of data volume and the second data according to preset fractionation rule
Multiple first sub-blocks and multiple second sub-blocks are not split into.Wherein, the data volume that the first sub-block is included is small
In the first data, the data volume that the second sub-block is included is less than the second data.And then it is subsequent, the first subdata can be used
Block and this data volume of the second sub-block are less, and the data of parallel processing is suitble to replace data volume huge, and uncomfortable merging
The first data and the second data of row processing carry out specific collation process, improve treatment effeciency.
In the present embodiment, it is above-mentioned it is preset split rule specifically can be according to each transaction data processing record
The time is recorded, the processing record for the transaction data being located in designated time period is divided into a sub-block.
For example, determine that the time interval of a designated time period is 10 seconds according to the preset rule that splits, and it is acquired
The processing record of transaction data in first data is the data from morning 10:00:00 to morning 10:01:00.It at this moment can root
According to the record time of the processing record of transaction data in the first data, the record time is greater than and waits 10:00:00, and less than 10:
The processing record of 00:10 is divided into first the first sub-block, is denoted as S1_1.By the processing note of transaction data in the first data
The record time of record is more than or equal to 10:00:10, and the processing record less than 10:00:20 is divided into second the first subdata
Block is denoted as S1_2.Continue to divide in a comparable manner, finally by when handling the record recorded of transaction data in the first data
Between be more than or equal to 10:00:50, and less than 10:01:00 processing record be divided into the 6th the first sub-block, be denoted as S1_6.
Biggish first data of an original data amount have been split into relatively small first sub-block of 6 data volumes in this way, it may be assumed that
S1_1,S1_2,S1_3,S1_4,S1_5,S1_6.Wherein, it is right containing one or more institutes to can wrap in each first sub-block
The processing record of the transaction data recorded in the period answered.
According to same division mode, the second data can also be split according to preset fractionation rule by 6 data volume phases
To lesser second sub-block, it may be assumed that S2_1, S2_2, S2_3, S2_4, S2_5, S2_6.Wherein, in each second sub-block
It can wrap the processing record containing the transaction data recorded in the period corresponding to one or more.
It is subsequent in this way can be based on relatively small first sub-block of data volume splitted out and the second sub-block
Specific collation process is carried out, treatment effeciency is improved.Certainly, it should be noted that above-mentioned cited fractionation rule, Yi Jixiang
The fractionation mode answered is that one kind schematically illustrates.When it is implemented, needing that it can also be used as the case may be with processing
He suitably splits rule, the first data is split according to corresponding fractionation mode, the second data obtain corresponding multiple first
Sub-block and multiple second sub-blocks.In this regard, this specification is not construed as limiting.
S15: according to first sub-block and second sub-block, the verification of transaction data is carried out.
In the present embodiment, the base in corresponding designated time period is separately included in above-mentioned each first sub-block
It is recorded in the processing for multiple transaction data that supervisory systems obtains.Similar, it is separately included in above-mentioned each second sub-block
The processing record of the multiple transaction data obtained based on bank server in corresponding designated time period.
In the present embodiment, when it is implemented, can using the first sub-block and the second sub-block as processing unit,
The verification of specific transaction data is carried out according to mutual corresponding first data block and the second sub-block.
In the present embodiment, above-mentioned according to first sub-block and second sub-block, carry out transaction data
Verification, when it is implemented, may include the following contents: according to the data mark of transaction data included in the first sub-block
Know, the Data Identification of transaction data included in the second sub-block, will include the transaction data of identical data mark
First sub-block and the second sub-block merge, the sub-block after being merged；Determine the sub-block after merging
Processing timing；According to processing timing, respectively according to the identical transaction data of Data Identification in the sub-block after each merging
Processing record, carry out collation process, obtain the checked result of corresponding transaction data.
In the present embodiment, above-mentioned Data Identification can be the flowline numbering of transaction data, be also possible to transaction data
O/No. etc..Certainly, it should be noted that above-mentioned cited Data Identification is that one kind schematically illustrates.It is specific real
Other can also be indicated the identification information of the transaction data in sub-block as above-mentioned data by Shi Shi as the case may be
Mark.In this regard, this specification is not construed as limiting.
In the present embodiment, when it is implemented, the first son of the transaction data that the identical data for including can be identified
Data block and the second sub-block merge.It wherein, include the identical transaction of Data Identification in the sub-block after merging
The processing of data records.
For example, can determine the first sub-block S1_ in the manner described above in the case where Data Identification is the record time
The record time phase of transaction data included in the second sub-block of record time-domain S2_1 of transaction data included in 1
Together, therefore the first sub-block S1_1 and the second sub-block S2_1 can be determined as to mutual corresponding sub-block, and will
Above-mentioned two sub-block merges, and the sub-block after being merged can be denoted as S1_2_1.
It in the present embodiment, may further be from the sub-block after merging after the sub-block after being merged
It obtains and is compared using the processing of the identical transaction data of Data Identification record, thus the friendship corresponding to processing record
Easy data processing is checked, and the reconciliation executed for the transaction data is handled.It can check one by one in the manner described above
Each transaction data in sub-block after each merging completes reconciliation processing relevant to the bank.
In the present embodiment, in order to further increase verification efficiency, it is time-consuming to reduce verification, when it is implemented, can will be more
Sub-block after a merging be sent respectively to multiple threads in server or multiple servers in server cluster into
Row collation process simultaneously can check transaction data in the sub-block after multiple merging by parallel form in this way
Processing, so as to further increase verification efficiency.
In the embodiment of the present application, compared to existing method, by obtaining and utilizing the reconciliation file of supervisory systems feedback,
And bank server is combined the foundation as reconciliation processing for the processing record file of transaction data, and by above-mentioned number
The verification of particular transactions data is carried out so that sub-block is processing unit again according to splitting into after multiple sub-blocks, with completion pair
Account processing.Without rely on bank it is final arrive account result data, the processing for reducing reconciliation is time-consuming, improves processing effect
Rate solves based on existing account checking method, due to needing to wait bank final to account result data, leads to not timely height
Reconciliation is completed on effect ground, and handles the technical issues of time-consuming, poor user experience, has been reached and in time, has efficiently been carried out at reconciliation
The technical effect of reason.
In one embodiment, the preset business scenario can specifically include T+0 clearance scene etc..Wherein, above-mentioned T
T in+0 can specifically indicate the working day of transaction data processing, and+0 can specifically indicate that the fund clearing time is this day, that is, hand over
The same day of easy data processing.Specifically, for example clearing scene based on T+0, Party A can be in net connection prison as merchant acquirer
Pipe is accepted in service, occurs what the same day specified the settlement fund of Party B from a bank account cut-in Party B in bank card business dealing
Another bank settlement account realizes that inter-bank is transferred accounts, and completes fund clearing on the same day.Certainly, it should be noted that above-mentioned listed
Lifting the preset business scenario of Dun is that one kind schematically illustrates.When it is implemented, may be incorporated into according to specific application scenarios
Other kinds of transaction data processing scene is as preset business scenario, at account checking method provided by the present application
Reason.In this regard, this specification is not construed as limiting.
In one embodiment, above-mentioned according to first sub-block and second sub-block, carry out number of deals
According to verification, when it is implemented, may include the following contents: according to the data of transaction data included in the first sub-block
The Data Identification of transaction data included in mark, the second sub-block will include the transaction data of identical data mark
The first sub-block and the second sub-block merge, the sub-block after being merged；Determine the subdata after merging
The processing timing of block；According to processing timing, respectively according to the identical number of deals of Data Identification in the sub-block after each merging
According to processing record, carry out collation process, obtain the checked result of corresponding transaction data.
In the present embodiment, above-mentioned Data Identification can be the flowline numbering of transaction data, can also be transaction data
O/No. etc..Certainly, it should be noted that above-mentioned cited Data Identification is that one kind schematically illustrates.It is specific real
Other can also be indicated the identification information of the transaction data in sub-block as above-mentioned data by Shi Shi as the case may be
Mark.In this regard, this specification is not construed as limiting.
It in the present embodiment, can be according to the subdata after each merging after obtaining the sub-block after multiple merging
Designated time period corresponding to block, according to processing timing from front to back successively to the transaction in the sub-block after each merging
Data carry out collation process.
In the present embodiment, it is above-mentioned can merge include identical data mark the first sub-block and second
Sub-block can be understood as a pair of sub-block matched in correspondence with each other.
In one embodiment, further it is also contemplated that supervisory systems and bank server are directed to the same Data Identification
Processing record time of transaction data may be inconsistent, cause it is possible that: in current time, based on according to it is preset when
Between interval acquiring multiple second sub-blocks for splitting of the second data in can not find the first sub-block of Corresponding matching；
Or in current time, multiple first sub-blocks split based on the first data obtained according to the preset time interval
In can not find the second sub-block of Corresponding matching.In such a case, it is possible to the sub-block that will not find Corresponding matching,
For example, not finding the first sub-block carries out the second sub-block of Corresponding matching, or the second sub-block is not found
Carry out Corresponding matching the first sub-block, be rolled to next time (i.e. with the preset time interval of current time interval
Time), then the first data obtained according to the preset time interval from next time and the second data split it is multiple
The sub-block of Corresponding matching is found in first sub-block, the second sub-block.If do not looked for also in above-mentioned next time
To the sub-block of Corresponding matching, scroll process can be continued in the manner described above, so as to be effectively reduced by institute
The time reference of the first data and the second data that obtain is inconsistent to be influenced caused by relevant reconciliation treatment process.
It in one embodiment, can also be by the subnumber after multiple merging after obtaining the sub-block after multiple merging
It is respectively allocated to different processing units, such as processor or processing thread, according to block so as to pass through parallel form pair
The transaction data in sub-block after multiple merging carries out collation process simultaneously, to improve collation process efficiency.
In one embodiment, after the checked result for obtaining corresponding transaction data, the method is when it is implemented, may be used also
To include the following contents: according to the checked result of transaction data, determining whether the transaction data exception occurs；Described in determination
In the case that exception occurs in transaction data, warning note is issued for there is abnormal transaction data.
In the present embodiment, when it is implemented, can determine same Data Identification according to the checked result of transaction data
The transaction data obtained based on the first data processing record and the processing of the transaction data obtained based on the second data record
Difference value be greater than preset discrepancy threshold in the case where, it is abnormal to determine that the transaction data occurs；And for appearance exception
Transaction data carries out alert process.
Wherein, above-mentioned alert process specifically can be to there is abnormal transaction data sending prompt information, should with prompt
Transaction data occurs abnormal.
It can be seen from the above description that account checking method provided by the embodiments of the present application, by obtaining and utilizing supervision
The reconciliation file and bank server of system feedback are combined for the processing record file of transaction data as at reconciliation
The foundation of reason, and above-mentioned data are split into after multiple sub-blocks and carry out particular transactions again with sub-block is processing unit
The verification of data, to complete reconciliation processing.Without rely on bank it is final arrive account result data, reduce the place of reconciliation
Reason is time-consuming, improves treatment effeciency, solves based on existing account checking method, since need to wait bank final arrives account result
Data lead to not efficiently complete reconciliation in time, and processing the technical issues of time-consuming, poor user experience, reached and
When, efficiently carry out reconciliation processing technical effect.Also by the way that the first data and the second data are split into multiple first respectively
Sub-block and the second sub-block；Corresponding first sub-block and the second sub-block are merged again, after merging
Sub-block carries out clearance verification, so as to by parallel form come the verification of the processing to a large amount of transaction data, into
One step improves treatment effeciency.
Based on the same inventive concept, a kind of account checking apparatus is additionally provided in the embodiment of the present application, such as the following examples institute
It states.Since the principle that account checking apparatus solves the problems, such as is similar to account checking method, the implementation of account checking apparatus may refer to reconciliation side
The implementation of method, overlaps will not be repeated.Used below, predetermined function may be implemented in term " unit " or " module "
The combination of software and/or hardware.Although device described in following embodiment is preferably realized with software, hardware, or
The realization of the combination of person's software and hardware is also that may and be contemplated.It please refers to shown in Fig. 2, is provided by the embodiments of the present application
A kind of composite structural diagram of account checking apparatus, the device can specifically include: obtaining module 201, split module 202 and and verification mould
Block 203 is below specifically described the structure.
Module 201 is obtained, specifically can be used for according to the preset time interval, obtaining the reconciliation file of supervisory systems feedback
It is counted for the processing record file of the transaction data in preset business scenario as second as the first data and server
According to；
Module 202 is split, specifically can be used for regular according to preset fractionations, first data are split into multiple the
Second data are split into multiple second sub-blocks by one sub-block；
Module 203 is checked, specifically can be used for being handed over according to first sub-block and second sub-block
The verification of easy data.
In one embodiment, the preset business scenario can specifically include T+0 clearance scene etc..Certainly, it needs
What is illustrated be above-mentioned cited business scenario is that one kind schematically illustrates, when it is implemented, according to specific application scenarios
It may be incorporated into other kinds of business scenario as preset business scenario with process demand.In this regard, this specification does not limit
It is fixed.
In one embodiment, the verification module 203 can specifically include following structural unit:
Combining unit, specifically can be used for the transaction data according to included in the first sub-block Data Identification,
The Data Identification of transaction data included in two sub-blocks will include the first son of the transaction data that identical data identifies
Data block and the second sub-block merge, the sub-block after being merged；
Determination unit is specifically determined for the processing timing of the sub-block after merging；
Unit is checked, specifically can be used for according to processing timing, respectively according to data in the sub-block after each merging
The processing record for identifying identical transaction data, carries out collation process, obtains the checked result of corresponding transaction data.
In one embodiment, described device specifically can also include processing module, which specifically can be used for basis
The checked result of transaction data, determines whether the transaction data exception occurs；Determining the transaction data appearance exception
In the case of, warning note is issued for there is abnormal transaction data.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality
For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.
It should be noted that system, device, module or unit that above embodiment illustrates, it specifically can be by computer
Chip or entity are realized, or are realized by the product with certain function.For convenience of description, in the present specification, it retouches
It is divided into various units when stating apparatus above with function to describe respectively.It certainly, when implementing the application can be the function of each unit
It realizes in the same or multiple software and or hardware.
In addition, in the present specification, such as adjective as first and second can be only used for an element or move
Make to distinguish with another element or movement, without requiring or implying any actual this relationship or sequence.Permit in environment
Perhaps in the case where, it should not be interpreted as limited to one in only element, component or step referring to element or component or step (s)
It is a, and can be the one or more etc. in element, component or step.
It can be seen from the above description that account checking apparatus provided by the embodiments of the present application, is obtained simultaneously by obtaining module
Work is combined for the processing record file of transaction data using the reconciliation file and bank server of supervisory systems feedback
For the foundation of reconciliation processing, and by split module by above-mentioned data split into after multiple sub-blocks again by check module with
Sub-block is the verification for handling unit to carry out particular transactions data, to complete reconciliation processing.Without relying on bank
Final arrives account result data, and the processing for reducing reconciliation is time-consuming, improves treatment effeciency, solves based on existing reconciliation side
Method leads to not efficiently complete reconciliation in time, and processing is time-consuming due to needing to wait bank final to account result data
The technical issues of length, poor user experience, has reached the technical effect in time, efficiently carrying out reconciliation processing；Also by splitting mould
First data and the second data are split into multiple first sub-blocks and the second sub-block by block and verification module respectively；Again will
Corresponding first sub-block and the second sub-block merge, and carry out clearance verification based on the sub-block after merging, so as to
, come the verification of the processing to a large amount of transaction data, to further improve treatment effeciency by parallel form.
The embodiment of the present application also provides a kind of servers, specifically can be based on the embodiment of the present application refering to shown in Fig. 3
The composed structure schematic diagram of the server of offer, the server can specifically include network communications port 301, processor 302
And memory 303, above structure is connected by Internal cable, so that each structure can carry out specific data interaction.
Wherein, the network communications port 301 specifically can be used for according to the preset time interval, obtaining supervisory systems
The reconciliation file of feedback is recorded as the first data and server for the processing of the transaction data in preset business scenario
File is as the second data；
The processor 302 specifically can be used for being split into first data multiple according to preset fractionation rule
Second data are split into multiple second sub-blocks by the first sub-block；According to first sub-block and described
Second sub-block carries out the verification of transaction data；
The memory 303 specifically can be used for storing corresponding instruction repertorie.
In the present embodiment, the network communications port 301 can be is bound from different communication protocol, so as to
To send or receive the virtual port of different data.For example, the network communications port can be responsible for carrying out web data communication
No. 80 ports, be also possible to be responsible for carry out FTP data communication No. 21 ports, can also be responsible for carry out email data communication
No. 25 ports.In addition, the network communications port can also be the communication interface or communication chip of entity.For example, it can
Think mobile radio network communication chip, such as GSM, CDMA；It can also be Wifi chip；It can also be Bluetooth chip.
In the present embodiment, the processor 302 can be implemented in any suitable manner.For example, processor can be adopted
The computer readable program code for taking such as microprocessor or processor and storage that can be executed by (micro-) processor is (such as soft
Part or firmware) computer-readable medium, logic gate, switch, specific integrated circuit (Application Specific
Integrated Circuit, ASIC), programmable logic controller (PLC) and the form etc. for being embedded in microcontroller.This specification is simultaneously
It is not construed as limiting.
In the present embodiment, the memory 303 may include many levels, in digital display circuit, as long as two can be saved
Binary data can be memory；In integrated circuits, the circuit with store function of a not no physical form
It is memory, such as RAM, FIFO；In systems, the storage equipment with physical form is also memory, such as memory bar, TF card
Deng.
In the present embodiment, the function and effect of the program instruction specific implementation of computer storage medium storage, can be with
Explanation is compareed with other embodiment, details are not described herein.
The embodiment of the present application also provides a kind of computer storage medium based on account checking method, the computer storage is situated between
Matter is stored with computer program instructions, is performed realization in the computer program instructions: according to the preset time interval, obtaining
The reconciliation file for taking supervisory systems to feed back is as the first data and server for the transaction data in preset business scenario
Processing record file as the second data；According to preset fractionation rule, first data are split into multiple first sons
Second data are split into multiple second sub-blocks by data block；According to first sub-block and second son
Data block carries out the verification of transaction data.
In the present embodiment, above-mentioned storage medium includes but is not limited to random access memory (Random Access
Memory, RAM), read-only memory (Read-Only Memory, ROM), caching (Cache), hard disk (Hard Disk
Drive, HDD) or storage card (Memory Card).The memory can be used for storing computer program instructions.Network is logical
Letter unit can be according to standard setting as defined in communication protocol, for carrying out the interface of network connection communication.
In the present embodiment, the function and effect of the program instruction specific implementation of computer storage medium storage, can
To compare explanation with other embodiment, details are not described herein.
In a specific implementation Sample Scenario, the offer account checking method and device of the embodiment of the present application can be specifically applied
Efficiently and rapidly to handle the reconciliation processing that inter-bank is transferred accounts under GS bank T+0 clearance scene.It specifically can be as shown in fig.4, pressing
It is executed according to the following contents.
In this Sample Scenario, the server of GS bank needs to carry out the number of deals of reconciliation processing in the case where T+0 clears scene
According to data volume it is quite huge be more than one hundred million grades of data volume.By method provided by the embodiments of the present application can daily 24 hours not
It discontinuously carries out rolling reconciliation processing.Simultaneously this method can be compatible in the bank difference between each system, efficiently realize the row with
The reconciliation and clearance that outer mechanism is always docked are handled.
When it is implemented, bank server can obtain supervision system every preset period (such as every 1 hour)
System, i.e. net connection tissue, the reconciliation file of periodic feedback is denoted as the first data, while can also obtain this bank server and be recorded
Processing record file as the second data.Further, server can split into first data more according to preset rules
A first sub-block, while the second data are split into multiple second sub-blocks, wherein the first sub-block difference
Including multiple transaction data that supervisory systems is recorded, second sub-block respectively includes multiple transaction of this banker's record
Data.It, will be multiple then according to the serial number of transaction data included in first sub-block and the second sub-block
First sub-block and multiple second sub-block combination of two carry out corresponding merging, the sub-block after obtaining multiple merging.
Again to the sub-block after multiple merging according to time-sequencing, respectively by the transaction of serial number identical in the sub-block after merging
Data are checked, and checked result is obtained, and carry out reconciliation processing.Finally according to the checked result, whether transaction data is determined
Occur abnormal.
By above-mentioned Sample Scenario, account checking method and device provided by the embodiments of the present application are demonstrated, by obtaining simultaneously benefit
The reconciliation file and bank server fed back with supervisory systems is combined conduct for the processing record file of transaction data
The foundation of reconciliation processing, and above-mentioned data are split into after multiple sub-blocks and are had again with sub-block is processing unit
The verification of body transaction data, to complete reconciliation processing, without rely on bank it is final arrive account result data, reduce pair
The processing of account is time-consuming, improves treatment effeciency, is solved really based on existing account checking method, due to needing to wait bank final
Arrive account result data, lead to not efficiently complete reconciliation in time, and time-consuming, the technology of poor user experience is asked for processing
Topic has reached the technical effect in time, efficiently carrying out reconciliation processing, can be perfectly suitable for the T+0 clearance scene of GS bank.
Although mentioning different specific embodiments in teachings herein, the application is not limited to be industry
Situation described in standard or embodiment etc., certain professional standards or the implementation base described using customized mode or embodiment
On plinth embodiment modified slightly also may be implemented above-described embodiment it is identical, it is equivalent or it is close or deformation after it is anticipated that
Implementation result.It, still can be with using these modifications or the embodiment of deformed data acquisition, processing, output, judgment mode etc.
Belong within the scope of the optional embodiment of the application.
Although this application provides the method operating procedure as described in embodiment or flow chart, based on conventional or noninvasive
The means for the property made may include more or less operating procedure.The step of enumerating in embodiment sequence is only numerous steps
One of execution sequence mode, does not represent and unique executes sequence.It, can when device or client production in practice executes
To execute or parallel execute (such as at parallel processor or multithreading according to embodiment or method shown in the drawings sequence
The environment of reason, even distributed data processing environment).The terms "include", "comprise" or its any other variant are intended to contain
Lid non-exclusive inclusion, so that process, method, product or equipment including a series of elements are not only wanted including those
Element, but also including other elements that are not explicitly listed, or further include for this process, method, product or equipment
Intrinsic element.In the absence of more restrictions, be not precluded include the process, method of the element, product or
There is also other identical or equivalent elements in person's equipment.
Device that above-described embodiment illustrates or module etc. can specifically realize by computer chip or entity, or by having
There is the product of certain function to realize.For convenience of description, it is divided into various modules when description apparatus above with function to retouch respectively
It states.Certainly, the function of each module can be realized in the same or multiple software and or hardware when implementing the application,
The module for realizing same function can be realized by the combination of multiple submodule etc..Installation practice described above is only
Schematically, for example, the division of the module, only a kind of logical function partition, can there is other draw in actual implementation
The mode of dividing, such as multiple module or components can be combined or can be integrated into another system, or some features can be ignored,
Or it does not execute.
It is also known in the art that other than realizing controller in a manner of pure computer readable program code, it is complete
Entirely can by by method and step carry out programming in logic come so that controller with logic gate, switch, specific integrated circuit, programmable
Logic controller realizes identical function with the form for being embedded in microcontroller etc..Therefore this controller is considered one kind
Hardware component, and the structure that the device for realizing various functions that its inside includes can also be considered as in hardware component.Or
Person even, can will be considered as realizing the device of various functions either the software module of implementation method can be hardware again
Structure in component.
The application can describe in the general context of computer-executable instructions executed by a computer, such as program
Module.Generally, program module includes routines performing specific tasks or implementing specific abstract data types, programs, objects, group
Part, data structure, class etc..The application can also be practiced in a distributed computing environment, in these distributed computing environments,
By executing task by the connected remote processing devices of communication network.In a distributed computing environment, program module can
To be located in the local and remote computer storage media including storage equipment.
As seen through the above description of the embodiments, those skilled in the art can be understood that the application can
It realizes by means of software and necessary general hardware platform.Based on this understanding, the technical solution essence of the application
On in other words the part that contributes to existing technology can be embodied in the form of software products, the computer software product
It can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are used so that a computer equipment
(can be personal computer, mobile terminal, server or the network equipment etc.) executes each embodiment of the application or implementation
Method described in certain parts of example.
Each embodiment in this specification is described in a progressive manner, the same or similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.The application can be used for crowd
In mostly general or special purpose computing system environments or configuration.Such as: personal computer, server computer, handheld device or
Portable device, laptop device, multicomputer system, microprocessor-based system, set top box, programmable electronics set
Standby, network PC, minicomputer, mainframe computer, distributed computing environment including any of the above system or equipment etc..
Although depicting the application by embodiment, it will be appreciated by the skilled addressee that the application there are many deformation and
Variation is without departing from spirit herein, it is desirable to which appended embodiment includes these deformations and changes without departing from the application.
Claims (10)
1. a kind of account checking method characterized by comprising
According to the preset time interval, the reconciliation file for obtaining supervisory systems feedback is directed to as the first data and server
The processing record file of transaction data in preset business scenario is as the second data；
According to preset fractionation rule, first data are split into multiple first sub-blocks, second data are torn open
It is divided into multiple second sub-blocks；
According to first sub-block and second sub-block, the verification of transaction data is carried out.
2. the method according to claim 1, wherein the preset business scenario includes T+0 clearance scene.
3. the method according to claim 1, wherein according to first sub-block and second subdata
Block carries out the verification of transaction data, comprising:
According to number of deals included in the Data Identification of transaction data included in the first sub-block, the second sub-block
According to Data Identification, by include identical data mark transaction data the first sub-block and the second sub-block close
And the sub-block after being merged；
Determine the processing timing of the sub-block after merging；
According to processing timing, remembered respectively according to the processing of the identical transaction data of Data Identification in the sub-block after each merging
Record carries out collation process, obtains the checked result of corresponding transaction data.
4. described according to the method described in claim 3, it is characterized in that, after the checked result for obtaining corresponding transaction data
Method further include:
According to the checked result of transaction data, determine whether the transaction data exception occurs；
In the case where determining that exception occurs in the transaction data, warning note is issued for there is abnormal transaction data.
5. a kind of account checking apparatus characterized by comprising
Module is obtained, is used for following preset time intervals, obtains the reconciliation file of supervisory systems feedback as the first data, with
And server records file as the second data for the processing of the transaction data in preset business scenario；
Module is split, for first data being split into multiple first sub-blocks, by institute according to preset fractionation rule
It states the second data and splits into multiple second sub-blocks；
Module is checked, for carrying out the verification of transaction data according to first sub-block and second sub-block.
6. device according to claim 5, which is characterized in that the preset business scenario includes T+0 clearance scene.
7. device according to claim 5, which is characterized in that the verification module includes:
Combining unit, in the Data Identification of the transaction data according to included in the first sub-block, the second sub-block
The Data Identification for the transaction data for being included will include the first sub-block and second for the transaction data that identical data identifies
Sub-block merges, the sub-block after being merged；
Determination unit, for determining the processing timing of the sub-block after merging；
Unit is checked, is used for according to processing timing, respectively according to the identical friendship of Data Identification in the sub-block after each merging
The processing record of easy data, carries out collation process, obtains the checked result of corresponding transaction data.
8. device according to claim 7, which is characterized in that described device further includes processing module, for according to transaction
The checked result of data, determines whether the transaction data exception occurs；Determining the abnormal situation of the transaction data appearance
Under, warning note is issued for there is abnormal transaction data.
9. a kind of server, including processor and for the memory of storage processor executable instruction, the processor is held
The step of any one of claims 1 to 4 the method is realized when row described instruction.
10. a kind of computer readable storage medium is stored thereon with computer instruction, described instruction, which is performed, realizes that right is wanted
The step of seeking any one of 1 to 4 the method.
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| CN201910665785.7A CN110390586A (en) | 2019-07-23 | 2019-07-23 | Account checking method, device and server |
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| CN113656317A (en) * | 2021-08-23 | 2021-11-16 | 中国工商银行股份有限公司 | Automatic test real-time account checking processing method, device and system |
| CN113610619A (en) * | 2021-08-24 | 2021-11-05 | 中电金信软件有限公司 | Account checking method, account checking device, account checking equipment and storage medium |
| CN113849286A (en) * | 2021-09-01 | 2021-12-28 | 前海人寿保险股份有限公司 | Account checking data importing method, system, equipment and computer readable storage medium |
| CN113837878B (en) * | 2021-09-07 | 2024-05-03 | 中国银联股份有限公司 | Data comparison method, device, equipment and storage medium |
| CN113837878A (en) * | 2021-09-07 | 2021-12-24 | 中国银联股份有限公司 | Data comparison method, device, equipment and storage medium |
| CN114723560A (en) * | 2022-04-01 | 2022-07-08 | 中国工商银行股份有限公司 | Transaction data checking method and device, electronic equipment and storage medium |
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