CN112991029A

CN112991029A - Account checking method and device

Info

Publication number: CN112991029A
Application number: CN202110291849.9A
Authority: CN
Inventors: 韦滢坤; 马仕钊
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-03-18
Filing date: 2021-03-18
Publication date: 2021-06-18

Abstract

The invention discloses an account checking method and device, and relates to the technical field of automatic program design. One embodiment of the method comprises: acquiring daytime transaction running data of a bank; generating an inline clearing file according to the daytime transaction running data; acquiring a supervision clearing file from a supervision authority; and performing reconciliation processing on the transaction data of the bank according to the inline clearing file and the supervision clearing file. The embodiment can accurately find whether the transaction data of the bank has problems.

Description

Account checking method and device

Technical Field

The invention relates to the field of automatic program design, in particular to a reconciliation method and a reconciliation device.

Background

Banks need to face numerous customers and large amount of fund transactions every day, and due to the reasons of complex transactions, numerous service systems, network faults, data information transmission delay and the like, the transaction data of the banks are difficult to avoid. Once the transaction data of the bank is in problem, great crisis and hidden danger are brought to the bank and the customer. Currently, there is no method for determining whether the transaction data of the bank is problematic accurately.

Disclosure of Invention

In view of this, embodiments of the present invention provide an account checking method and apparatus, which can determine whether a problem occurs in transaction data of a bank more accurately.

In a first aspect, an embodiment of the present invention provides an account checking method, including:

acquiring daytime transaction running data of a bank;

generating an inline clearing file according to the daytime transaction running data;

acquiring a supervision clearing file from a supervision authority;

and performing reconciliation processing on the transaction data of the bank according to the inline clearing file and the supervision clearing file.

Optionally, the inline clearance file comprises a plurality of first records and the administrative clearance file comprises a plurality of second records;

the reconciliation processing of the transaction data of the bank according to the inline clearing file and the supervision clearing file comprises the following steps:

determining, on a case-by-case basis, whether the first record and the second record match;

and according to the matching result, performing reconciliation processing on the transaction data of the bank.

Optionally, said determining, item by item, whether the first record and the second record match comprises:

sequencing a plurality of first records included in the inline liquidation file;

sequencing a plurality of second records included in the supervision clearing file;

and determining whether the first record and the second record are matched one by utilizing the processed inline clearing file and the processed supervision clearing file.

Optionally, each of the first records includes an account checking flag bit, and each of the second records includes an account checking flag bit.

Optionally, the reconciliation processing of the transaction data of the bank according to the matching result includes:

if the matching result represents that the first record and the second record are successfully matched, setting the reconciliation flag bit in the first record and the second record as the successful reconciliation;

and if the matching result represents that the first record and the second record are failed to be matched, setting the account checking flag bit in the first record and the second record as account checking failure.

Optionally, after setting the reconciliation flag bit in the first record and the second record to be a reconciliation failure, the method further includes:

and inserting the first transaction record of the account checking failure and/or the second transaction record of the account checking failure into an error file.

Optionally, the bank includes a plurality of business systems, the inline clearing file includes a plurality of system clearing files, and the business systems correspond to the system clearing files one to one;

splitting the supervision clearing file into a plurality of sub-monitoring clearing files according to a service system;

for each of the business systems: determining a target system clearing file and a target sub-monitoring clearing file corresponding to the service system; determining whether the records in the target system clearing file and the records in the target sub-monitoring clearing file are matched one by one; and according to the matching result, performing reconciliation processing on the transaction data in the service system.

Optionally, the reconciliation processing of the transaction data of the bank according to the inline clearing file and the supervision clearing file includes:

splitting the inline clearing file into a plurality of first clearing files according to transaction time;

splitting the supervisory clearing file into a plurality of second clearing files according to transaction time;

for each of the first clearing files: determining a second clearing file corresponding to the first clearing file; determining, item by item, whether a record in the first clearing file and a record in the second clearing file match; and according to the matching result, performing reconciliation processing on the transaction data in the first clearing file.

generating an error file of the bank according to the inline clearing file and the supervision clearing file;

and determining an error amount and an error account according to the error file, and hanging the error amount into the error account.

Optionally, the acquiring daytime transaction running data of the bank includes:

determining a plurality of business systems of the bank;

and respectively acquiring daytime transaction flow data of each business system.

Optionally, the generating an inline clearing document according to the daytime transaction running data includes:

and combining the daytime transaction flow data of the business system to generate the inline clearing file.

for each of the business systems: generating a system clearing file of the business system according to the daytime transaction flow data of the business system;

and combining each system clearing file to generate the inline clearing file.

In a second aspect, an embodiment of the present invention provides an account checking device, including:

the first acquisition module is used for acquiring daytime transaction running data of a bank;

the first generation module is used for generating an inline clearing file according to the daytime transaction running data;

the second acquisition module is used for acquiring a supervision clearing file from a supervision mechanism;

and the reconciliation processing module is used for performing reconciliation processing on the transaction data of the bank according to the inline clearing file and the supervision clearing file.

In a third aspect, an embodiment of the present invention provides an electronic device, including:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any of the embodiments described above.

In a fourth aspect, an embodiment of the present invention provides a computer-readable medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the method of any one of the above embodiments.

One embodiment of the above invention has the following advantages or benefits: and checking the transaction data of the bank according to the in-line clearing file of the bank and the supervision clearing file of the supervision mechanism. The supervising agency is a third-party financial institution which plays a role in supervision and assistance in the process of processing specific transaction data by the bank. Therefore, whether the transaction data of the bank has problems or not can be accurately found.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

fig. 1 is a schematic diagram of an application scenario of a reconciliation method provided in an embodiment of the present invention;

FIG. 2 is a schematic diagram illustrating a flow of a reconciliation method provided by an embodiment of the invention;

FIG. 3 is a schematic diagram of a flow of another reconciliation method provided by an embodiment of the invention;

FIG. 4 is a schematic diagram of a flow of another reconciliation method provided by an embodiment of the invention;

fig. 5 is a schematic structural diagram of an account checking device according to an embodiment of the present invention;

fig. 6 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

Fig. 1 is a schematic diagram of an application scenario of an account reconciliation method according to an embodiment of the present invention. As shown in fig. 1, the system architecture 100 may include

terminal devices

101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The

terminal devices

101, 102, 103 store therein daytime transaction running data of a plurality of business systems of a bank, or supervision clearing files from a supervision authority. The

terminal devices

101, 102, 103 may be cell phones, notebooks, servers, tablets, laptop portable computers, etc.

The

terminal devices

101, 102, 103 interact with a server 105 via a network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 transmit the stored daytime transaction flow data or supervision clearing file of the plurality of business systems to the server 105 through the network 104.

The server 105 receives daytime transaction flow data and supervision clearing files of a plurality of service systems sent by the

terminal devices

101, 102 and 103; and generating an inline clearing file according to the daytime transaction running data, and performing reconciliation processing on the transaction data of the bank according to the inline clearing file and the supervision clearing file.

It should be noted that the reconciliation method provided by the embodiment of the present invention is generally executed by the server 105, and accordingly, the reconciliation apparatus is generally disposed in the server 105.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Fig. 2 is a schematic diagram of a flow of a reconciliation method provided in an embodiment of the present invention, and as shown in fig. 2, the method includes:

step 201: and acquiring daytime transaction running data of the bank.

The day transaction running data is used for recording transaction information of the bank. The daytime transaction flow data needs to include the transaction amount. Further, the daytime transaction chronological data may further include: the system comprises a running identifier, a service system identifier, a service type, a commission fee, a principal debit account, a principal debit amount, a principal agent account, a principal credit amount, a transaction time and the like.

A statistical period can be preset, and daytime transaction running data in the statistical period can be obtained. The statistical period may be one hour, eight hours, one day, one week, etc.

Step 202: and generating an inline clearing file according to the daytime transaction running data.

The inline liquidation file is used for storing all daytime transaction running data of the bank in the counting period. Inline liquidation files may be generated in a variety of ways. For example, a bank includes a plurality of business systems, and obtains daytime transaction flow data of each business system respectively, combines the daytime transaction flow data of the business systems, and generates an inline liquidation file. As another example, for each business system: generating a system clearing file of the business system according to the daytime transaction flow data of the business system; each system clearing file is combined to generate an inline clearing file.

Step 203: a regulatory clearing file from a regulatory body is obtained.

The supervision clearing file is used for storing all day transaction running data of the bank in the statistical period. The regulatory clearing file is from a regulatory body.

A supervising authority is understood to be in particular a third-party financial institution at which the bank plays a supervising and assisting role in the processing of specific transaction data. For example, an internet organization (a platform operation organization responsible for network payment and clearing of a non-bank payment organization) is used as a non-bank third-party financial organization, and each bank can realize cross-bank transaction clearing through the organization and also can realize interconnection and intercommunication among different systems through the internet organization, so that a bank card can be used in a cross-bank and cross-region manner. In addition, the internet connection has relatively high credibility in the field, so that the internet connection organization can be used as a supervision mechanism to acquire files fed back by the internet connection to perform subsequent reconciliation processing. Of course, it should be noted that the above listed networking organizations are only schematic illustrations. In specific implementation, according to a specific application scenario and a processing requirement, other types of third financial institutions, for example, a union pay organization, etc., may also be introduced as a regulatory organization. The present specification is not limited to these.

Step 204: and performing account checking treatment on the transaction data of the bank according to the inline clearing file and the supervision clearing file.

The inline clearance file may include a first plurality of records and the administrative clearance file may include a second plurality of records. Determining whether the first record and the second record are matched one by one aiming at each first record and each second record; and according to the matching result, performing reconciliation processing on the transaction data of the bank.

Judging the matching condition of the first record and the second record as follows: the transaction types of the first record and the second record are matched, the transaction principal of the first record and the second record is matched, the commission fees of the first record and the second record are matched, the principal accounts of the first record and the second record are matched, and the like.

In the embodiment of the invention, the reconciliation processing is carried out on the transaction data of the bank according to the in-line clearing document of the bank and the supervision clearing document of the supervision institution. A regulatory body is a third-party financial institution that plays a regulatory and ancillary role in the processing of specific transaction data. Therefore, the method of the embodiment of the invention can accurately find whether the transaction data of the bank has problems.

In one embodiment of the present invention, determining, item by item, whether the first record and the second record match comprises:

The inline liquidation files and the supervision liquidation files can be respectively subjected to repair sequencing processing according to information such as transaction time, service types, debit accounts and the like. And determining whether the first record and the second record are matched one by utilizing the processed inline clearing file and the processed supervision clearing file, so that the execution efficiency of the system can be improved, and the time for completing account checking processing can be reduced.

In one embodiment of the invention, each first record includes a tie-out flag bit, and each second record includes a tie-out flag bit. The reconciliation processing can be carried out on the transaction data of the bank by the following modes:

if the matching result represents that the first record and the second record are successfully matched, setting the account checking flag bit in the first record and the second record as the account checking success;

and if the matching result represents that the first record and the second record fail to be matched, setting the reconciliation flag bit in the first record and the second record as a reconciliation failure, and inserting the first transaction record which fails to be reconciled and/or the second transaction record which fails to be reconciled into an error file.

By setting the reconciliation flag bit in the first record and the second record, which records are successfully reconciled and which records may have problems can be clearly obtained. And generating an error file of the bank according to the record of the account checking failure. And performing subsequent fault location sharing and fault processing according to the fault file. The error handling may include: and determining the error amount and the error account according to the error file, and hanging the error amount into the error account.

Fig. 3 is a schematic diagram of a flow of another reconciliation method provided by an embodiment of the present invention, as shown in fig. 3, the method includes:

step 301: and acquiring daytime transaction running data of the bank.

Step 302: and generating an inline clearing file according to the daytime transaction running data.

The bank comprises a plurality of service systems, the inline clearing files comprise a plurality of system clearing files, and the service systems and the system clearing files correspond to one another.

Step 303: a regulatory clearing file from a regulatory body is obtained.

Step 304: and splitting the supervision clearing file into a plurality of sub-supervision clearing files according to the service system.

Aiming at each business system of the bank, a system clearing file and a sub-monitoring clearing file are corresponding to the business system.

Step 305: and determining a target system clearing file and a target sub-monitoring clearing file corresponding to the service system.

And sequentially executing the steps 305 to 307 for each business system to finish the account checking processing of the business system.

Step 306: determining, item by item, whether the records in the target system clearing file and the records in the target sub-monitoring clearing file match.

Step 307: and according to the matching result, performing reconciliation processing on the transaction data in the service system.

After step 307, it may be determined whether all business systems of the bank have been reconciliated. If the business system which is not subjected to the reconciliation processing exists, the steps 305 to 307 are executed again aiming at the business system so as to complete the reconciliation processing of the business system.

In the embodiment of the invention, the inline clearing file and the monitoring clearing file are split into a plurality of clearing files according to the service system, and then account checking is carried out within the range of each service system. The account checking processing can be carried out on all the service systems in sequence in series, and the account checking processing can also be carried out on all the service systems in parallel. Because account checking is only carried out in the range of each business system, compared data volume required to be compared in the range of each business system is much smaller than that required to be compared in the whole bank. Therefore, the system running speed can be improved, and the account checking result is more accurate.

Fig. 4 is a schematic diagram of a flow of another reconciliation method provided by an embodiment of the present invention, as shown in fig. 4, the method includes:

step 401: and acquiring daytime transaction running data of the bank.

Step 402: and generating an inline clearing file according to the daytime transaction running data.

Step 403: a regulatory clearing file from a regulatory body is obtained.

Step 404: the inline clearing file is split into a plurality of first clearing files according to the transaction time.

The time interval can be set according to specific needs, and daily transaction running data within the same time interval range is stored in the same first clearing file. For example, all daytime transaction streamlining data over the 8:00-9:00 am time period may be stored in first clearing file 1; storing all day transaction flow data in the time period of 9:00-10:00 in the morning into a first clearing file 2; store all day transaction stream data for the 10:00-12:00 am time period into the first clearing file 3, and so on.

Step 405: the supervisory clearing file is split into a plurality of second clearing files according to the transaction time.

By setting the same time interval as in step 404, the data in the supervisory clearing file that is within the same time interval range is split into the same second clearing file. For example, all data in the regulatory clearing file that is within a time period of 8:00-9:00 am may be split into a second clearing file 1; all data in the supervision clearance file within the time period of 9:00-10:00 a.m. may be split into a second clearance file 2; all data in the regulatory clearing file that is within a time period of 10:00-12:00 am may be split into a second clearing file 3, and so on.

Step 406: and determining a second clearing file corresponding to the first clearing file.

And in the same statistical period, the second clearing files corresponding to the first clearing files have the same time interval. For each first clearing file, steps 406-408 are performed in turn.

Step 407: it is determined on a case by case basis whether the records in the first liquidation file and the records in the second liquidation file match.

Step 408: and according to the matching result, performing reconciliation processing on the transaction data in the first clearing file.

Following step 408, a determination may be made as to whether all of the first clearance files have been reconciled. If there is a first clearing file for which reconciliation has not been performed, steps 406-408 are re-performed with respect to the first clearing file to complete the reconciliation of the first clearing file.

In the embodiment of the invention, the in-line clearing file and the monitoring clearing file are split into a plurality of clearing files according to the time interval, and then account checking is carried out in the range of each service system. The account checking processing can be carried out on all the service systems in sequence in series, and the account checking processing can also be carried out on all the service systems in parallel. Because account checking is only carried out in the same time interval range, compared with the data amount required to be compared in the whole bank, the data amount required to be compared in each time interval range is much smaller. Therefore, the system running speed can be improved, and the account checking result is more accurate.

In order to make the reconciliation method of the invention more convenient to understand, a concrete implementation method of bank reconciliation is provided as follows, which comprises the following steps:

s01: after the Unionpay is cut, the clearing module generates an inline clearing file according to the daily transaction flow, and the batch processing accounting is finished for the daily online transaction in a file form;

s02: subsequently, the account checking module compares the received union pay clearing file with the in-line clearing file;

s03: and the reconciliation result is delivered to an error processing module, and the error processing module generates a relevant error file and transmits the file to the reconciliation system. And simultaneously, the error funds are hung in the corresponding error hanging account.

In the embodiment of the invention, the daily transaction flow is unloaded, and the accounting engine is called in batch in a file form for accounting. And comparing the inline clearing file with the union pay clearing file to check the account. And generating an error file according to the account checking result and performing account checking processing on the error fund.

The account checking method provided by the embodiment of the invention firstly completes batch accounting according to the transaction flow, and ensures consistent accounts in rows. And then comparing the result with the UnionPay file, issuing an error file according to the account checking result, and simultaneously performing account checking on the error fund.

Fig. 5 is a schematic structural diagram of an account checking device according to an embodiment of the present invention, including:

a first obtaining module 501, configured to obtain daytime transaction running data of a bank;

a first generating module 502, configured to generate an inline clearing file according to the daytime transaction running data;

a second obtaining module 503, configured to obtain a supervision clearing file from a supervision authority;

and the reconciliation processing module 504 is configured to perform reconciliation processing on the transaction data of the bank according to the inline clearing file and the supervision clearing file.

Optionally, the inline clearance file comprises a plurality of first records and the administrative clearance file comprises a plurality of second records; the reconciliation processing module 504 is specifically configured to:

determining, item by item, whether the first record and the second record match;

Optionally, the reconciliation processing module 504 is specifically configured to:

Optionally, each first record includes a tie-out flag bit, and each second record includes a tie-out flag bit.

Optionally, the reconciliation processing module 504 is further configured to:

Optionally, the bank includes a plurality of business systems, the inline clearing file includes a plurality of system clearing files, and the business systems correspond to the system clearing files one to one; the reconciliation processing module 504 is specifically configured to:

splitting the supervision clearing file into a plurality of sub-supervision clearing files according to a service system;

for each business system: determining a target system clearing file and a target sub-monitoring clearing file corresponding to the service system; determining whether the records in the target system clearing file are matched with the records in the target sub-monitoring clearing file one by one; and according to the matching result, performing reconciliation processing on the transaction data in the service system.

splitting the inline clearing file into a plurality of first clearing files according to the transaction time;

splitting the supervisory clearing file into a plurality of second clearing files according to the transaction time;

for each first clearing document: determining a second clearing file corresponding to the first clearing file; determining, on a case-by-case basis, whether the records in the first liquidation file and the records in the second liquidation file match; and according to the matching result, performing reconciliation processing on the transaction data in the first clearing file.

generating an error file of a bank according to the inline clearing file and the supervision clearing file;

and determining the error amount and the error account according to the error file, and hanging the error amount into the error account.

Optionally, the first obtaining module 501 is specifically configured to:

determining a plurality of business systems of a bank;

Optionally, the first generating module 502 is specifically configured to:

and combining the daytime transaction flow data of the business system to generate an inline clearing file.

Optionally, the first generating module 502 is specifically configured to:

for each business system: generating a system clearing file of the business system according to the daytime transaction flow data of the business system;

each system clearing file is combined to generate an inline clearing file.

An embodiment of the present invention provides an electronic device, including:

one or more processors;

a storage device for storing one or more programs,

when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the method of any of the embodiments described above.

Referring now to FIG. 6, a block diagram of a computer system 600 suitable for use with a terminal device implementing an embodiment of the invention is shown. The terminal device shown in fig. 6 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.

As shown in fig. 6, the computer system 600 includes a Central Processing Unit (CPU)601 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM 603, various programs and data necessary for the operation of the system 600 are also stored. The CPU 601, ROM 602, and RAM 603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.

The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output portion 607 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted in the storage section 608 as necessary.

In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 601.

It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor comprises a first obtaining module, a first generating module, a second obtaining module, a second generating module and a reconciliation processing module. The names of these modules do not in some cases constitute a limitation on the module itself, for example, the first acquiring module may also be described as a "module for acquiring daytime transaction flow data of a bank".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:

acquiring daytime transaction running data of a bank;

acquiring a supervision clearing file from a supervision authority;

According to the technical scheme of the embodiment of the invention, the account checking processing is carried out on the transaction data of the bank by the in-line clearing file of the bank and the supervision clearing file of the supervision institution. A regulatory body is a third-party financial institution that plays a regulatory and ancillary role in the processing of specific transaction data. Therefore, whether the transaction data of the bank has problems or not can be accurately found.

The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A reconciliation method, comprising:

acquiring daytime transaction running data of a bank;

acquiring a supervision clearing file from a supervision authority;

2. The method of claim 1, wherein the inline clearance file includes a first plurality of records and the administrative clearance file includes a second plurality of records;

3. The method of claim 2, wherein said determining, on a case-by-case basis, whether the first record and the second record match comprises:

4. The method of claim 2, wherein each of the first records includes a tie-out flag bit therein, and wherein each of the second records includes a tie-out flag bit therein.

5. The method of claim 4, wherein the reconciling the transaction data of the bank according to the matching result comprises:

6. The method of claim 5, wherein after setting the tie-out flag bit in the first record and the second record to a tie-out failure, further comprising:

7. The method of claim 1, wherein the bank comprises a plurality of business systems, the inline clearing document comprises a plurality of system clearing documents, and the business systems are in one-to-one correspondence with the system clearing documents;

8. The method of claim 1, wherein said reconciling transaction data from said bank based on said inline clearing document and said administrative clearing document comprises:

9. The method of claim 1, wherein said reconciling transaction data from said bank based on said inline clearing document and said administrative clearing document comprises:

10. The method of claim 1, wherein said obtaining bank daytime transaction running data comprises:

determining a plurality of business systems of the bank;

11. The method of claim 10, wherein generating an inline liquidation file from the daytime transaction running data comprises:

12. The method of claim 10, wherein generating an inline liquidation file from the daytime transaction running data comprises:

and combining each system clearing file to generate the inline clearing file.

13. A reconciliation apparatus, comprising:

14. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-12.

15. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-12.