CN113610619A

CN113610619A - Account checking method, account checking device, account checking equipment and storage medium

Info

Publication number: CN113610619A
Application number: CN202110977264.2A
Authority: CN
Inventors: 袁希良
Original assignee: Zhongdian Jinxin Software Co Ltd
Current assignee: Zhongdian Jinxin Software Co Ltd
Priority date: 2021-08-24
Filing date: 2021-08-24
Publication date: 2021-11-05

Abstract

The application provides a reconciliation method, a device, equipment and a storage medium, wherein the reconciliation method comprises the following steps: in the account checking period of the current account checking task, when a condition for generating a sub-account checking task is met, generating an Nth field of sub-account checking tasks with a field number of N, wherein N is an integer greater than 1; aiming at the transaction processing systems of each account checking party, determining an account checking result of an Nth field of sub-account checking tasks corresponding to the transaction processing systems; and generating a reconciliation result of the current reconciliation task according to the reconciliation results corresponding to all the sub-reconciliation tasks. The reconciliation pressure in the centralized reconciliation process is relieved.

Description

Account checking method, account checking device, account checking equipment and storage medium

Technical Field

The present application relates to the field of data processing, and in particular, to a reconciliation method, apparatus, device, and storage medium.

Background

The distributed system includes several trade systems, such as public system, deposit system and accounting system, and these systems are combined to realize the trade processing.

Reconciliation is required to avoid financial problems when related to financial related work. For example, it is necessary for banks to reconcile transactions that occur daily or monthly at the end of the day or at the end of the month to ensure that the accounting is accurate.

However, when the account checking is performed at the end of every day or at the end of every month, the transaction amount involved is huge, the centralized account checking pressure is large, and a large amount of time is consumed.

Disclosure of Invention

Based on the above, a reconciliation method, a reconciliation device, an equipment and a storage medium are provided to solve the technical problem that the centralized reconciliation consumes a large amount of time in the prior art.

In a first aspect, a reconciliation method is provided, including:

in the account checking period of the current account checking task, when a condition for generating a sub-account checking task is met, generating an Nth field of sub-account checking tasks with a field number of N, wherein N is an integer greater than 1;

aiming at the transaction processing systems of each account checking party, determining an account checking result of an Nth field of sub-account checking tasks corresponding to the transaction processing systems;

and generating a reconciliation result of the current reconciliation task according to the reconciliation results corresponding to all the sub-reconciliation tasks.

Wherein, in the reconciliation cycle of the current reconciliation task, when the condition of generating the sub-reconciliation task is reached, the generating of the Nth field sub-reconciliation task with the field number of N comprises the following steps:

dividing the reconciliation period into at least one sub-reconciliation period which is continuous in time and has the same interval duration;

determining a sub-reconciliation period corresponding to the current time of the system and a previous sub-reconciliation period of the sub-reconciliation period;

calculating the time difference between the current time of the system and the deadline of the previous sub-reconciliation period;

and when the time difference is greater than or equal to a preset time difference, the condition of generating the sub-reconciliation task is achieved, and the Nth field sub-reconciliation task of the previous sub-reconciliation period is generated.

and in the reconciliation period of the current reconciliation task, when the transaction quantity belonging to the same transaction type reaches a preset quantity, the condition of generating the sub-reconciliation task is reached, and the Nth field sub-reconciliation task aiming at the transaction of the same transaction type is generated.

Generating a reconciliation result of the current reconciliation task according to the reconciliation results corresponding to all the sub-reconciliation tasks, wherein the generating of the reconciliation result of the current reconciliation task comprises the following steps:

when the account checking results of all the sub-account checking tasks are successful, generating the account checking result of the current account checking task as successful account checking; or,

and when the account checking results of all the sub-account checking tasks comprise account checking failure, generating the account checking result of the current account checking task as account checking failure.

After the generating of the reconciliation result of the current reconciliation task is a reconciliation failure, the method further comprises the following steps:

and checking account of the transaction which fails in the current account checking task.

In a second aspect, a reconciliation apparatus is provided, comprising:

the generating module is used for generating an Nth field of sub-reconciliation tasks with the field number of N when the condition of generating the sub-reconciliation tasks is met in the reconciliation period of the current reconciliation task, wherein N is an integer greater than 1;

the acquisition module is used for determining the reconciliation result of the Nth field of sub-reconciliation tasks corresponding to the transaction processing system aiming at the transaction processing systems of each reconciliation party;

and the result module is used for generating the reconciliation result of the current reconciliation task according to the reconciliation results corresponding to all the sub-reconciliation tasks.

The generation module is specifically configured to: dividing the reconciliation period into at least one sub-reconciliation period which is continuous in time and has the same interval duration; determining a sub-reconciliation period corresponding to the current time of the system and a previous sub-reconciliation period of the sub-reconciliation period; calculating the time difference between the current time of the system and the deadline of the previous sub-reconciliation period; and when the time difference is greater than or equal to a preset time difference, the condition of generating the sub-reconciliation task is achieved, and the Nth field sub-reconciliation task of the previous sub-reconciliation period is generated.

The generation module is specifically configured to: and in the reconciliation period of the current reconciliation task, when the transaction quantity belonging to the same transaction type reaches a preset quantity, the condition of generating the sub-reconciliation task is reached, and the Nth field sub-reconciliation task aiming at the transaction of the same transaction type is generated.

In a third aspect, a computer device is provided, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the steps of the reconciliation method described above are implemented.

In a fourth aspect, a computer readable storage medium is provided, in which computer program instructions are stored, which when read and executed by a processor, perform the steps of the reconciliation method as described above.

According to the reconciliation method, in the reconciliation period of the current reconciliation task, when the condition of generating the sub-reconciliation task is met, the Nth field of the sub-reconciliation task with the field number of N is generated, which means that a large reconciliation task is divided into a plurality of small sub-reconciliation tasks, and then the reconciliation result of each sub-reconciliation task is determined, so that the reconciliation result of the large reconciliation task is determined according to the reconciliation result of each sub-reconciliation task.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments of the present application will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and that those skilled in the art can also obtain other related drawings based on the drawings without inventive efforts.

Fig. 1 is a schematic flow chart illustrating an implementation of a reconciliation method in an embodiment of the present application;

FIG. 2 is a schematic diagram of a transfer interface in an embodiment of the application;

FIG. 3 is a schematic diagram of a component structure of an account checking device in the embodiment of the present application;

fig. 4 is a block diagram of an internal structure of a computer device in the embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

In one embodiment, a reconciliation method is provided. The execution subject of the reconciliation method in the embodiment of the invention is computer equipment capable of realizing the reconciliation method in the embodiment of the invention, and the computer equipment can include but is not limited to a terminal and a server. The terminal comprises a desktop terminal and a mobile terminal, wherein the desktop terminal comprises but is not limited to a desktop computer and a vehicle-mounted computer; mobile terminals include, but are not limited to, cell phones, tablets, laptops, and smartwatches. The server includes a high performance computer and a cluster of high performance computers.

The reconciliation method of the embodiment of the invention can be applied to the field of banks and the field of electronic payment, and certainly can also be applied to other fields in which the reconciliation method of the embodiment of the invention can be executed, and is not particularly limited herein.

In a first embodiment, as shown in fig. 1, a reconciliation method is provided, including: step 100, step 200 and step 300.

And step 100, in the reconciliation period of the current reconciliation task, when a condition for generating the sub-reconciliation task is met, generating an Nth field of sub-reconciliation tasks with a field number N, wherein N is an integer greater than 1. In practical applications, since N represents a specific number of fields, the starting count of the fields may start from 2, that is, when N is 2, the 2 nd field is actually the 1 st field. For convenience in the following examples, N starts at 1.

The reconciliation cycle is a time period in which a large number of transactions are generated, and the reconciliation of the large number of transactions generated in the time period is required. For example, if a reconciliation period is determined in units of days, the reconciliation period 1 is from 0 to 18 points on 1/2030 and the reconciliation period 2 is from 0 to 18 points on 1/2030 and 2/2030; for another example, if a reconciliation period is determined in units of months, the reconciliation period 1 is 2030 years 1 and 1 month 31 and 18 points, and the reconciliation period 2 is 2030 years 2 and 1 month 1 and 0 point and 2 month 30 and 18 points.

The current reconciliation task is a task for reconciling the transactions in the current reconciliation period, for example, if the current reconciliation period is the reconciliation period 1, the current reconciliation task is a task for reconciling the transactions generated from 0 to 18 on 1/2030; for another example, if the current reconciliation period is reconciliation period 2, the current reconciliation task is a task of reconciling transactions generated from 0 o 'clock to 18 o' clock on day 1/2 of 2030.

And the nth field of sub-reconciliation tasks are the nth field of the multi-field of sub-reconciliation tasks obtained after the current reconciliation task is divided. For example, the current reconciliation task is a task for reconciling transactions generated from 0 to 18 points on 1/2030, and is preset to be divided into 3 fields, namely, a 1 st-field sub-reconciliation task with a field of 1, a 2 nd-field sub-reconciliation task with a field of 2, and a 3 rd-field sub-reconciliation task with a field of 3, wherein the 1 st-field sub-reconciliation task is a task for reconciling transactions generated from 00:00:00 to 05:59:59, the 2 nd-field sub-reconciliation task is a task for reconciling transactions generated from 06:00:00 to 12:59:59 on 1/2030, and the 3 rd-field sub-reconciliation task is a task for reconciliation of transactions generated from 13:00: 00:00 to 18:00: 59.

Continuing with the example above, when the condition for generating the sub-reconciliation task is met, the method includes: when the time reaches 06:10:00, generating a 1 st field sub-reconciliation task with the field number of 1; when the time reaches 13:20:00, generating a 2 nd field sub-reconciliation task with the field number of 2; and when the time reaches 19:00:00, generating a 3 rd field sub-reconciliation task with the field number of 3.

And 200, determining the reconciliation result of the Nth field of sub-reconciliation tasks corresponding to the transaction processing system aiming at the transaction processing systems of each reconciliation party.

The transaction processing system is a system for processing transactions. For example, for a transaction of deposit category: and storing the fund a into the bank account A, wherein the transaction processing system can comprise a deposit system and an accounting system, when the transaction of the deposit type is processed, the deposit system stores the fund a into the bank account A, and the accounting system records: the deposit system has deposited a fund a into a bank account A; for another example, for the transfer category and for transactions transferred with the bank: the same bank transfers accounts and transfers B to the bank account C through the bank account B, the transaction processing system of the account checking party can comprise a deposit system and an accounting system, when the transaction of the transfer type and the same bank transfer is processed, the deposit system reduces fund B in the bank account B, and meanwhile, the deposit system increases fund B in the bank account C, and the accounting system records: the deposit system has transferred the fund B from the bank account B and has deposited the fund B into the bank account C; as another example, for transfer categories and transactions that transfer across lines: and transferring c from the bank D to the bank E, wherein the transaction processing system can comprise a depositing system 1 and a depositing system 2, when the transaction of the transfer category and the transfer across banks is processed, the depositing system 1 reduces the fund c in the bank account D, and meanwhile, the depositing system 2 increases the fund c in the bank account E.

The transaction processing system records transaction information, wherein the transaction information is information related to the transaction, such as, for example, for a transaction of the transfer category, the transaction information may include, but is not limited to: the method comprises the steps of transaction number (only indicating one transaction), transfer account initiating time, transfer account amount, transfer out of a bank card number, transfer out of a bank corresponding to the bank card number, transfer out of a name corresponding to the bank card number, transfer out of a mobile phone number corresponding to the bank card number, transfer into the bank corresponding to the bank card number, transfer into a name corresponding to the bank card number, transfer into a mobile phone number corresponding to the bank card number, corresponding field times of the transaction, processing results of the transaction and time for obtaining the processing results.

Wherein, the field corresponding to the transaction indicates that the transaction needs to be checked through the sub-account checking task of the field of several fields, for example, the field corresponding to the transaction is 3, which means that the transaction needs to be checked through the sub-account checking task of the field 3.

A method of determining a session corresponding to a transaction is provided, comprising: when the transaction is generated, determining a corresponding field of the transaction; and increasing the transaction field in the transaction request corresponding to the transaction, wherein the transaction request is a request for indicating each transaction processing system corresponding to the transaction to process the transaction.

For example, as shown in FIG. 2, the user submits a transaction of the transfer category through FIG. 2, and when the user clicks the "submit" button, the transaction is considered to be generated and a transaction request is generated at the same time.

Therefore, when a transaction is generated, the field corresponding to the transaction is firstly determined, then the field of the transaction is added in the transaction request corresponding to the transaction, so that each transaction processing system can acquire the field of the transaction from the transaction request when processing the transaction, then the field of the transaction is recorded in transaction information, and when executing an account checking task subsequently, each transaction processing system can return a processing result of the transaction with the field of N according to the field of the transaction in the transaction information, thereby obtaining an account checking result of an account checking task with the Nth field according to the processing result of the transaction with the field of N returned by each transaction processing system.

The processing result of the transaction is a result obtained after processing the transaction, for example, a deposit type transaction, the transaction processing system of the reconciliation partner may include a deposit system and an accounting system, and the processing result recorded in the deposit system is: the fund a is successfully deposited in the bank account A, and the processing result recorded in the accounting system is as follows: the depositing system has deposited a fund a into the bank account a.

As one example, determining a reconciliation result for an nth field sub-reconciliation task corresponding to a transaction processing system comprises: acquiring a processing result of a transaction with a field of N sent by each transaction processing system; and obtaining the reconciliation result of the Nth field of sub-reconciliation tasks corresponding to the transaction processing systems according to the processing result of the transaction with the field of N sent by each transaction processing system.

For example, the account checking task of the Nth sub-account checking task has 3 total transactions, namely a deposit type transaction A, a same-bank transfer transaction B and a cross-bank transfer transaction C. For transaction a, if the processing result recorded by the deposit system is: the deposit system 1 has successfully deposited the fund a in the bank account K, and the processing result recorded by the accounting system is as follows: if the deposit system 1 deposits the fund a into the bank account K, the transaction A is successfully checked; for transaction B, if the processing result of the depositing system 1 is: the deposit system 1 has successfully deposited the fund B from the bank account B to the bank account C, and the processing result recorded by the accounting system is as follows: the deposit system 1 deposits the fund B from the bank account B to the bank account C, and the transaction B is successfully reconciled; for transaction C, if the processing result recorded by the deposit system 1 is: the deposit system 1 has successfully transferred out the fund c in the bank account D, and the processing result recorded by the deposit system 2 is as follows: if the deposit system 2 has successfully deposited the fund C in the bank account number E, the transaction C is successfully reconciled. As the account checking of all the 3 transactions with the field number of N is successful, the account checking result of the Nth field of sub-account checking task corresponding to the transaction processing system is successful. Or, for the transaction C, if the processing result recorded by the deposit system 1 is: the deposit system 1 has successfully transferred out the fund c in the bank account D, and the processing result recorded by the deposit system 2 is as follows: and if the deposit system 2 successfully deposits the fund d in the bank account E, the transaction C fails to account, and because only the transactions A and B are successful in the 3 transactions with the field number of N, the account checking result of the Nth field account checking task corresponding to the transaction processing system is the account checking failure.

As one example, determining a reconciliation result for an nth field sub-reconciliation task corresponding to a transaction processing system comprises: acquiring a processing result of a transaction with a field of N sent by each transaction processing system; the account checking result of the account checking transaction is successful if the processing results of all the transaction processing systems are successful, wherein the account checking transaction is a transaction which is not checked in all the transactions with the field N; and if the account checking results of all the transactions with the field N are successful, the account checking result of the Nth field of sub-account checking task is successful, otherwise, the account checking result of the Nth field of sub-account checking task is failed.

And simplifying the processing result, wherein the processing result comprises successful processing or abnormal processing. Wherein, the transaction processing system is indicated to complete the processing of the transaction to be processed by the transaction processing system; and processing exception, indicating that the transaction processing system has exception to the transaction needing to be processed. For example, for the transaction of the transfer category, the transaction processing system a has transferred a corresponding transfer amount to the transaction processing system B, for example, the transfer amount is K, so that the processing result of the transaction of the transfer category recorded in the transaction processing system a is successful, and likewise, for the transaction of the transfer category, the transaction processing system B also receives the transfer amount K transferred from the transaction processing system a, so that the processing result of the transaction of the transfer category recorded in the transaction processing system B is successful; for another example, suppose that the transaction processing system B does not receive the transfer amount K transferred from the transaction system a due to some exception, and thus the transaction processing system B records the processing result as processing exception for the transaction of the transfer category.

For example, the total number of transactions of the field N is 3, for transaction 1, the processing results of transaction 1 by each transaction processing system are successfully processed, so the reconciliation result of transaction 1 is successfully reconciled, for transaction 2, the processing results of transaction 2 by each transaction processing system are successfully processed, so the reconciliation result of transaction 2 is successfully reconciled, for transaction 3, the processing results of transaction 3 by each transaction processing system are successfully processed, so the reconciliation result of transaction 3 is successfully reconciled, and further, the reconciliation result of the nth field sub-reconciliation task is successfully reconciled; and if the transaction processing system A in each transaction processing system processes the transaction 3 abnormally and the other transaction processing systems process the transaction 3 successfully for the transaction 3, the reconciliation result of the Nth sub-reconciliation task is a reconciliation failure.

As an example, obtaining the processing result of the transaction with the number N sent by each transaction processing system includes: sending an Nth field sub-reconciliation task to each transaction processing system; and acquiring the processing result of the transaction with the field of N returned by each transaction processing system according to the Nth sub-reconciliation task.

In this example, in order to process the nth field of sub-reconciliation tasks in time, the nth field of sub-reconciliation tasks are immediately sent to the transaction processing systems after the nth field of sub-reconciliation tasks are generated, so that the transaction processing systems can timely return the processing results of the transactions with the field number N.

And 300, generating a reconciliation result of the current reconciliation task according to the reconciliation results corresponding to all the sub-reconciliation tasks.

Since all transactions related to the current reconciliation task need to be reconciled, in order to obtain a reconciliation result of the current reconciliation task, reconciliation results corresponding to all sub-reconciliation tasks corresponding to the current reconciliation task need to be obtained first, and then a reconciliation result of the current reconciliation task is obtained according to the reconciliation results corresponding to all sub-reconciliation tasks corresponding to the current reconciliation task.

In the second embodiment, in step 100, when a condition for generating a sub-reconciliation task is met in a reconciliation period of a current reconciliation task, generating an nth field sub-reconciliation task with a field number N includes: step 100A, step 100B, step 100C and step 100D.

Step 100A, dividing the reconciliation period into at least one sub-reconciliation period with continuous time and same interval duration.

For example, the reconciliation period is: from 00:00:00 to 24:00:00 of 1/2030, 4 sub-reconciliation periods with continuous time and same interval duration are required to be divided, and then the 1 st sub-reconciliation period is: 00:00:00 to 06:00:00 at 1/2030, with the 2 nd sub-reconciliation period: 06:00:00 to 12:00:00 on 1/2030, with the 3 rd sub-reconciliation period: 12:00:00 to 18:00:00 on 1/2030, the 4 th sub-reconciliation period is: 18:00:00 to 24:00:00 on 1/2030.

And step 100B, determining a sub-reconciliation period corresponding to the current time of the system and a previous sub-reconciliation period of the sub-reconciliation period.

For example, the current time of the system is: 11:00:00 of 1, month and 2, 2030, since the current time of the system is within 06:00:00 to 12:00:00 of 1, month and 2, 2030, the sub-reconciliation period corresponding to the current time of the system is determined as follows: and 2, further determining that the previous sub-reconciliation period is the 1 st sub-reconciliation period, namely: 00:00:00 to 06:00:00 on day 1, month 2, 2030.

For another example, the current time of the system is: the 01:00:00 of 1 month and 2 days 2030, because the current time of the system is within the range from 00:00:00 to 06:00: 00:00 of 1 month and 2 days 2030, the sub-reconciliation period corresponding to the current time of the system is determined as follows: and the 1 st sub-reconciliation period, further determining that the previous sub-reconciliation period is the last sub-reconciliation period of the 1 st 2030, namely 18:00:00 to 24:00:00 of the 1 st 2030.

And step 100C, calculating the time difference between the current time of the system and the deadline of the previous sub-reconciliation period.

And the deadline time is the deadline time corresponding to the sub-reconciliation period. For example, if the current time of the system is 06:03:00 on 1/2/2030, the previous sub-reconciliation period is 00:00:00 to 06:00: 00:00 on 1/2/2030, and the deadline of the previous sub-reconciliation period is 06:00:00 on 1/2/2030, then the time difference between the current time of the system and the deadline of the previous sub-reconciliation period is 3 minutes; for another example, the current time of the system is 00:04:00 on 1/2/2030, the previous sub-reconciliation period is 18:00:00 to 24:00:00 on 1/2030, and the deadline of the previous sub-reconciliation period is 24:00:00, so that the time difference between the current time of the system and the deadline of the previous sub-reconciliation period is 3 minutes and 4 minutes.

And step 100D, when the time difference is greater than or equal to a preset time difference, the condition of generating the sub-reconciliation tasks is achieved, and the Nth field sub-reconciliation task of the previous sub-reconciliation period is generated.

And presetting the time difference as a preset time difference. And when the time difference is greater than or equal to the preset time difference, the condition for generating the sub-reconciliation tasks is considered to be met, and then the Nth field sub-reconciliation task corresponding to the previous sub-reconciliation period is generated. Namely: if an account checking task is generated for a certain sub-account checking period to check each transaction in the sub-account checking period, the account checking task corresponding to the sub-account checking period needs to be generated after the sub-account checking period is finished. It can be understood that the processing of the transaction requires a certain time, for example, the time taken to process a transaction is about 5 minutes, so that if the nth sub-reconciliation task is generated immediately when the previous sub-reconciliation period arrives, it is likely that the transaction is still in processing and is not processed when the deadline of the previous sub-reconciliation period arrives, and then, in order to ensure that the transactions are processed completely when the reconciliation is completed, a preset time difference is set, for example, the preset time difference is set to 10 minutes, so that even the transaction generated only at the deadline of the previous sub-reconciliation period can be processed before the generation of the sub-reconciliation task is completed.

The predetermined time difference may be determined based on a maximum processing time required to complete the transaction. For example, a total of 5 transactions are generated and 5 transactions have been completed during the historical time, wherein transaction 1, transaction 2 and transaction 4 are completed normally, and transactions 3 and 5 are completed, but the processing result has an anomaly, transaction 1 is processed for 5 seconds, transaction 2 is processed for 6 seconds, transaction 3 is processed for 2 minutes, transaction 4 is processed for 10 seconds, transaction 5 is processed for 3 minutes, it can be seen that the normally completed transaction is generally completed within 10 seconds, and the transaction with abnormal processing result requires more time, so that the preset time period can be set to 3 minutes, therefore, the completed transaction can be processed normally or abnormally, and then generating sub-reconciliation tasks to reconcile the transactions after all transaction processing is finished.

In the embodiment, one account checking period is uniformly divided into a plurality of sub-account checking periods, and the processing of the transaction needs a certain time, so that the account checking task corresponding to the sub-account checking period is generated only after the sub-account checking period is finished, and the successful processing of the transaction in the sub-account checking period is effectively ensured.

In a third embodiment, based on the scenario in the second embodiment, a method for determining a session corresponding to a transaction is provided, which includes: when the transaction is generated, determining a sub-reconciliation period of the transaction place according to the generation time of the transaction; and determining the field of the transaction according to the sub-reconciliation period of the exchange.

For example, the generation time of the transaction is 01:00:00 on 1 st 2030, so that the sub-reconciliation period of the transaction is determined as the 1 st sub-reconciliation period, and then the field of the transaction is determined as 1; as another example, the generation time of the transaction is 08:00:00 on 1/2/2030, and thus, the sub-reconciliation period in which the transaction is located is determined to be the 2 nd sub-reconciliation period, and thus, the field of the transaction is determined to be 2.

In a fourth embodiment, based on the scenario in the second embodiment, a method for determining a session corresponding to a transaction is provided, which includes: when the transaction is generated, determining a sub-reconciliation period of the transaction place according to the generation time of the transaction; and determining the transaction field according to the sub-reconciliation period of the exchange and the transaction category of the transaction.

Transaction category, which reflects what category of transaction is, e.g., a transaction request is submitted via a transfer interface such as that shown in FIG. 2, whereupon the transaction category for the transaction is determined to be the transfer category; if a certain transaction is to deposit a certain fund into a certain bank account number, then determining the transaction type of the transaction as a deposit type; if a certain transaction is to take out certain funds from the bank account number, then the transaction type of the transaction is a withdrawal type; if a transaction is to obtain a loan through a bank, then the transaction category of the transaction is determined to be the loan category.

As shown in table 1, table 1 records the corresponding relationship among the sub-reconciliation period, the generation time of the transaction, the transaction category and the field, and the field of the transaction can be determined through table 1.

TABLE 1

For example, the generation time of a certain transaction is 01:01:00, and then the sub-reconciliation period where the transaction is located is determined as sub-reconciliation period 1, and further, the transaction category of the transaction is the deposit category, and then the field of the transaction is determined as 2.

In a fifth embodiment, based on the scenario of the second embodiment, a method for determining a session corresponding to a transaction is provided, including: when the transaction is generated, determining a sub-reconciliation period of the transaction place according to the generation time of the transaction; and determining the field of the transaction according to the sub-reconciliation period of the exchange and the transaction number of the transaction.

Determining the transaction field according to the sub-reconciliation period of the exchange and the transaction number of the transaction, comprising the following steps: generating a transaction code according to the transaction number of the transaction; and determining the transaction field according to the sub-reconciliation period and the transaction code of the exchange.

For example, the transaction number of the transaction is: yTKd123456789123, thus, converts the first letter of the transaction number to an arabic numeral: 25, adding the Arabic number with the last two numbers of the transaction number of the transaction, namely 25+23, to obtain 48, so that the transaction code of the transaction is 48, and then determining the transaction field according to the determined transaction code and the sub-reconciliation period where the transaction is located. As shown in table 2.

TABLE 2

In a sixth embodiment, in step 100, when a condition for generating a sub-reconciliation task is met in a reconciliation period of a current reconciliation task, generating an nth field sub-reconciliation task with a field number N includes:

The preset number is a preset number, for example, the preset number is 50.

Counting the transaction quantity of different transaction types in transactions generated in a reconciliation period of a current reconciliation task (for example, the reconciliation period corresponding to the current reconciliation task is a reconciliation period 1, and the reconciliation period 1 is from 0 to 18 points of 1 month and 1 day 2030), and when the transaction quantity of a certain transaction type reaches a preset quantity, considering that a condition for generating sub-reconciliation tasks is reached, and at the moment, sequentially generating the Nth sub-reconciliation tasks of the transactions of the same transaction type.

For example, 50 transactions of the transfer category, 40 transactions of the loan category and 20 transactions of the deposit category are generated in total at 0 o ' clock to 5 o ' clock of 1 st 2030, and it can be seen that, at 5 o ' clock of 1 st 2030, the transaction number of the transactions of the transfer category reaches the preset number of 50, and then, the 1 st reconciliation task is generated to reconcile the transactions of the 50 transfer categories generated at 0 o ' clock to 5 o ' clock, and at the same time, the transaction number of the transactions of the transfer category is reset to 0; continuing the time, and generating 10 transactions of the transfer type, 10 transactions of the loan type and 2 transactions of the deposit type within the period from 5 to 6, wherein at the moment, the transaction quantity of the transactions of the transfer type is determined to be 10, the transaction quantity of the transactions of the loan type is determined to be 50, and the transaction quantity of the transactions of the deposit type is determined to be 22, so that a 2 nd field reconciliation task is generated to reconcile the transactions of the 50 loan types generated from 0 to 6, and meanwhile, the transaction quantity of the transactions of the loan type is reset to 0; continuing the time, and generating 5 transactions of transfer types, 30 transactions of loan types and 28 transactions of deposit types within the period from 6 to 8 points, so that the transaction quantity of the transactions of the transfer types is determined to be 15, the transaction quantity of the transactions of the loan types is determined to be 30, the transaction quantity of the transactions of the deposit types is determined to be 50, then generating a 3 rd field reconciliation task to reconcile the transactions of the 50 deposit types generated from 0 to 8 points, and simultaneously resetting the transaction quantity of the transactions of the loan types to be 0; time continues, during the period from 8 o 'clock to 18 o' clock, 35 transactions of the transfer category, 3 transactions of the loan category and 2 transactions of the deposit category are generated again, so that the transaction quantity of the transactions of the transfer category is determined to be 50, the transaction quantity of the transactions of the loan category is determined to be 33, the transaction quantity of the transactions of the deposit category is determined to be 2, so that a 4 th reconciliation task is generated to reconcile the transactions of the 50 transfer categories generated from 5 o 'clock to 18 o' clock, and at the same time, the transaction quantity of the transactions of the transfer category is reset to 0. Since 18 o' clock has been reached, it is described that the end time of the reconciliation period 1 has been reached, at this time, although the transaction quantity of the transaction of the loan category is 33, the transaction quantity of the transaction of the deposit category is 2, and the transaction quantity of the transaction of both transaction categories does not reach 50, the reconciliation of 35 transactions still needs to be performed, and then, after the 4 th reconciliation task is completed, the 5 th reconciliation task is generated, and the reconciliation is performed on 35 transactions.

According to the embodiment, the centralized reconciliation of the transactions of the same transaction type is realized, and the sub-reconciliation tasks are not changed along with the time, but are changed along with the quantity, so that more sub-reconciliation tasks can be generated flexibly in a sub-reconciliation period with large transaction quantity, and the reconciliation pressure of each reconciliation is relieved.

Seventh embodiment, in step 300, generating a reconciliation result of the current reconciliation task according to the reconciliation results corresponding to all the sub-reconciliation tasks includes:

When the account checking results of all the sub-account checking tasks are successful, considering the account checking result of the current account checking task as successful; or when the reconciliation results of all the sub-reconciliation tasks comprise at least one reconciliation failure, the reconciliation result of the current reconciliation task is considered as the reconciliation failure.

In the above embodiment, the reconciliation is considered to be successful only when the reconciliation results of all the sub-reconciliation tasks are successful, that is, the reconciliation result of the current reconciliation task is a reconciliation failure as long as the reconciliation result of one sub-reconciliation task is a reconciliation failure.

In an eighth embodiment, after the generating of the reconciliation result of the current reconciliation task is a reconciliation failure, the reconciliation method further includes:

Firstly, determining a sub-reconciliation task with a failed reconciliation in the current reconciliation task; then, determining the transaction of account checking failure from the sub account checking task of account checking failure; and checking the transaction which fails in checking account.

According to the embodiment, if the account checking of the current account checking task fails, the transaction which is likely to fail in account checking is already processed and completed after a period of time, and then the transaction which is failed in account checking in the current account checking task is checked, so that all transactions in the account checking period corresponding to the current account checking task can be effectively checked and completed.

In a ninth embodiment, after the generating the reconciliation result of the current reconciliation task is a reconciliation failure, the reconciliation method further includes:

and generating abnormal feedback information according to the transaction of account checking failure in the current account checking task.

The abnormal feedback information is information for feeding back the condition of the transaction which fails to be checked in the current checking task, and for example, the format of the abnormal feedback information is as follows: transaction information-transaction failure-failure reason. For example, the reason for the failure is that the transfer-out amount and the transfer-in amount do not coincide.

After the abnormal feedback information is generated, the abnormal feedback information is fed back, for example, the abnormal feedback information is prompted (for example, a voice prompt, a short message prompt, or a mail prompt).

In the embodiment, after the account checking is completed, the abnormal feedback information is generated according to the abnormal transactions, that is, the abnormal transactions can be checked out completely through the account checking, and then the batch abnormal feedback information is fed back to the staff, so that the staff can perform subsequent tracking processing on all the abnormal transactions.

Tenth embodiment, as shown in fig. 3, provides a reconciliation apparatus 3000 comprising:

a generating module 3001, configured to generate an nth field sub-reconciliation task with a field number N when a condition for generating a sub-reconciliation task is met in a reconciliation period of a current reconciliation task, where N is an integer greater than 1;

an obtaining module 3002, configured to determine, for each of the transaction processing systems of the reconciliation parties, a reconciliation result of the nth field sub-reconciliation task corresponding to the transaction processing system;

a result module 3003, configured to generate a reconciliation result of the current reconciliation task according to the reconciliation results corresponding to all the sub-reconciliation tasks.

In an embodiment, the generating module 3001 is specifically configured to: dividing the reconciliation period into at least one sub-reconciliation period which is continuous in time and has the same interval duration; determining a sub-reconciliation period corresponding to the current time of the system and a previous sub-reconciliation period of the sub-reconciliation period; calculating the time difference between the current time of the system and the deadline of the previous sub-reconciliation period; and when the time difference is greater than or equal to a preset time difference, the condition of generating the sub-reconciliation task is achieved, and the Nth field sub-reconciliation task of the previous sub-reconciliation period is generated.

In an embodiment, the generating module 3001 is specifically configured to: and in the reconciliation period of the current reconciliation task, when the transaction quantity belonging to the same transaction type reaches a preset quantity, the condition of generating the sub-reconciliation task is reached, and the Nth field sub-reconciliation task aiming at the transaction of the same transaction type is generated.

In an embodiment, the result module 3003 is specifically configured to, when reconciliation results of all sub-reconciliation tasks are successful, generate a reconciliation result of the current reconciliation task as a reconciliation success; or,

In one embodiment, the reconciliation device 3000 further comprises: and the failure reconciliation module is used for reconciling the transaction which fails in reconciliation in the current reconciliation task.

Eleventh embodiment, as shown in fig. 4, provides a computer device, which may specifically be a terminal or a server. The computer device comprises a processor, a memory and a network interface which are connected through a system bus, wherein the memory comprises a nonvolatile storage medium and an internal memory, the nonvolatile storage medium of the computer device stores an operating system and also stores a computer program, and when the computer program is executed by the processor, the processor can realize the account checking method. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM). The internal memory may also have stored therein a computer program that, when executed by the processor, causes the processor to perform a reconciliation method. Those skilled in the art will appreciate that the architecture shown in fig. 4 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

The reconciliation method provided by the application can be realized in the form of a computer program which can run on a computer device as shown in fig. 4. The memory of the computer device may store therein respective program templates constituting the reconciliation apparatus. For example, the generating module 3001, the obtaining module 3002 and the result module 3003.

A computer device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of:

generating an Nth field reconciliation task, wherein the Nth field reconciliation task comprises a field number N, the Nth field reconciliation task is obtained by dividing a current reconciliation period task, and N is an integer greater than or equal to 1;

acquiring a processing result of the transaction with the field N in each transaction processing system;

and obtaining the reconciliation result of the Nth field reconciliation task according to the processing result of the transaction with the field N in each transaction processing system.

In an embodiment twelve, a computer-readable storage medium is provided, in which a computer program is stored, which, when executed by a processor, causes the processor to perform the steps of:

It should be noted that the reconciliation method, the reconciliation device, the computer device and the computer-readable storage medium belong to a general inventive concept, and the contents in the embodiments of the reconciliation method, the reconciliation device, the computer device and the computer-readable storage medium are mutually applicable.

In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and there may be other divisions when actually implemented, and for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of devices or units through some communication interfaces, and may be in an electrical, mechanical or other form.

In addition, units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

Furthermore, the functional modules in the embodiments of the present application may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.

In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions.

The above description is only an example of the present application and is not intended to limit the scope of the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A reconciliation method, comprising:

2. The reconciliation method of claim 1, wherein the generating of the nth field of the sub-reconciliation task with the field of N when the condition for generating the sub-reconciliation task is reached in the reconciliation period of the current reconciliation task comprises:

3. The reconciliation method of claim 1, wherein the generating of the nth field of the sub-reconciliation task with the field of N when the condition for generating the sub-reconciliation task is reached in the reconciliation period of the current reconciliation task comprises:

4. The reconciliation method of claim 1, wherein the generating the reconciliation result of the current reconciliation task according to the reconciliation results corresponding to all the sub-reconciliation tasks comprises:

5. The reconciliation method of claim 4, wherein after the generating the reconciliation result of the current reconciliation task is a reconciliation failure, further comprising:

6. A reconciliation apparatus, comprising:

7. The reconciliation apparatus of claim 6, wherein the generation module is specifically configured to: dividing the reconciliation period into at least one sub-reconciliation period which is continuous in time and has the same interval duration; determining a sub-reconciliation period corresponding to the current time of the system and a previous sub-reconciliation period of the sub-reconciliation period; calculating the time difference between the current time of the system and the deadline of the previous sub-reconciliation period; and when the time difference is greater than or equal to a preset time difference, the condition of generating the sub-reconciliation task is achieved, and the Nth field sub-reconciliation task of the previous sub-reconciliation period is generated.

8. The reconciliation apparatus of claim 6, wherein the generation module is specifically configured to: and in the reconciliation period of the current reconciliation task, when the transaction quantity belonging to the same transaction type reaches a preset quantity, the condition of generating the sub-reconciliation task is reached, and the Nth field sub-reconciliation task aiming at the transaction of the same transaction type is generated.

9. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, the processor implementing the steps of the reconciliation method of any one of claims 1 to 5 when executing the computer program.

10. A computer-readable storage medium having computer program instructions stored thereon which, when read and executed by a processor, perform the steps of the reconciliation method of any of claims 1 to 5.