CN114240611A - Method and device for accounting accuracy of service data, computer equipment and storage medium - Google Patents
Method and device for accounting accuracy of service data, computer equipment and storage medium Download PDFInfo
- Publication number
- CN114240611A CN114240611A CN202111406403.2A CN202111406403A CN114240611A CN 114240611 A CN114240611 A CN 114240611A CN 202111406403 A CN202111406403 A CN 202111406403A CN 114240611 A CN114240611 A CN 114240611A
- Authority
- CN
- China
- Prior art keywords
- service
- record
- business
- accounting
- adjusted
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
- G06Q40/125—Finance or payroll
Abstract
The application relates to a method and a device for accounting accuracy of service data, a computer device, a storage medium and a computer program product. The method comprises the following steps: if the account is detected to be subjected to service processing within a preset time period, acquiring service change information, and determining accounting elements of the account according to the service change information; generating a business record to be accounted according to the business data and the accounting elements of the account, and determining a reference business record based on the business resources in the business data; respectively checking the business record to be adjusted and the target business record with the reference business record, and determining the business record to be adjusted and the accounting element to be adjusted, wherein the target business record is the recorded business record in a preset time period; and adjusting the business record to be adjusted of the account according to the accounting element to be adjusted. By adopting the method of the embodiment of the application, the actual service data can be kept consistent with the recorded service data, and the accuracy of the service data is improved.
Description
Technical Field
The present application relates to the field of big data analysis technologies, and in particular, to a method and an apparatus for accounting accuracy of business data, a computer device, a storage medium, and a computer program product.
Background
The loan core system of the financial institution refers to a system for undertaking account opening, payment release, bill making, repayment, automatic deduction, overdue transfer, non-accrued transfer, securitization and release, account verification and settlement and accounting in the loan transaction. The financial institution generally predicts and reports the general business data based on the business data system for meeting the supervision indexes of the loan business such as the Barceler protocol supervision, the pedestrian and the bank insurance supervision, and the like. After the loan core system is batch-processed every day, the accounting business data is sent to the business data system, and the business data system processes the total business data, so that the total business data in the mode has hysteresis, cannot provide timely and efficient business insights and supervision indexes, and cannot meet the business control and regulation requirements of the financial institution for important time points such as the end of the season and the end of the year.
The current loan core system can realize real-time total business data and can synchronize the business data of transaction to a business data system in real time. However, mass real-time data transaction has unreliability, and may cause problems such as transaction loss or failure, which results in low accuracy of service data in the service data system.
Disclosure of Invention
In view of the above, it is necessary to provide a business data accounting method, a business data accounting apparatus, a computer device, a computer readable storage medium, and a computer program product, which can improve the accuracy of business data.
A method of business data accuracy accounting, the method comprising:
if the fact that the account is subjected to service processing within a preset time period is detected, acquiring service change information, and determining accounting elements of the account according to the service change information;
generating a business record to be accounted according to the business data of the account and the accounting element, and determining a reference business record based on the business resources in the business data;
respectively checking the business record to be adjusted and the target business record with the reference business record, and determining the business record to be adjusted and the accounting element to be adjusted, wherein the target business record is the recorded business record in the preset time period;
and adjusting the business record to be adjusted of the account according to the accounting element to be adjusted.
In one embodiment, the obtaining the service change information includes:
and acquiring service change information matched with the service processing type according to the service processing type of the account, wherein the service change information comprises service subject change information and service fund change information, the service subject change information comprises mechanism information, mechanism type information and service deadline information to which the account belongs, and the service fund change information comprises service principal, service interest, overdue service principal and overdue service interest.
In one embodiment, the determining an accounting element of the account according to the service change information includes:
and integrating the business subject change information and the business fund change information to determine the accounting elements of the account.
In one embodiment, the generating a service record to be accounted according to the service data of the account and the accounting element includes:
and mapping and generating a business record to be accounted matched with the accounting element according to the business data of the account and based on a preset record rule.
In one embodiment, the determining a reference service record based on the service resource in the service data includes:
determining the balance of the service on the same day based on the service day terminal section data in the service data, wherein the service resource comprises the balance of the service on the same day;
and mapping to generate a reference service record based on a preset record rule according to the service balance of the current day and the stored service balance of the previous day, wherein the service balance comprises the service balance of the previous day.
In one embodiment, the checking the service record to be adjusted and the target service record with the reference service record respectively to determine the service record to be adjusted and the accounting element to be adjusted includes:
if the business record to be adjusted is consistent with the reference business record, and the target business record is consistent with the reference business record, the business record to be adjusted and the accounting element to be adjusted do not exist;
if the business record to be accounted and the reference business record have a first difference and the target business record is consistent with the reference business record, determining the business record to be accounted as a business record to be adjusted, and determining an accounting element to be adjusted based on the business record to be accounted;
if the business record to be adjusted is consistent with the reference business record and a second difference exists between the target business record and the reference business record, determining the target business record as a business record to be adjusted, and determining an accounting element to be adjusted based on the target business record;
and if the service record to be calculated and the reference service record have a third difference and the target service record and the reference service record have a fourth difference, determining the service record to be calculated and the target service record as the service record to be adjusted, and comprehensively determining the calculation element to be adjusted based on the service record to be calculated and the target service record.
A business data accuracy accounting apparatus, the apparatus comprising:
the accounting element determining module is used for acquiring service change information if the service processing of the account in a preset time period is detected, and determining the accounting element of the account according to the service change information;
the business record generating module is used for generating a business record to be accounted according to the business data of the account and the accounting element, and determining a reference business record based on the business resources in the business data;
the business record accounting module is used for respectively checking the business record to be accounted and the target business record with the reference business record, and determining the business record to be adjusted and the accounting element to be adjusted, wherein the target business record is the recorded business record in the preset time period;
and the business record adjusting module is used for adjusting the business record to be adjusted of the account according to the accounting element to be adjusted.
In one embodiment, the accounting element determining module includes:
and the service change information acquisition module is used for acquiring service change information matched with the service processing type according to the service processing type of the account, wherein the service change information comprises service subject change information and service fund change information, the service subject change information comprises mechanism information, mechanism type information and service deadline information to which the account belongs, and the service fund change information comprises a service principal, service interest, overdue service principal and overdue service interest.
In one embodiment, the accounting element determining module includes:
and the accounting element determining unit is used for integrating the business subject change information and the business fund change information to determine the accounting element of the account.
In one embodiment, the service record generating module includes:
and the to-be-accounted business record generating unit is used for generating the to-be-accounted business record matched with the accounting element in a mapping manner according to the business data of the account and based on a preset record rule.
In one embodiment, the service record generating module includes:
a service balance determining unit, configured to determine a service balance of the current day based on service day final cross-section data in the service data, where the service resource includes the service balance of the current day;
and the benchmark service record generating unit is used for generating a benchmark service record based on preset record rule mapping according to the service balance of the current day and the stored service balance of the last day, wherein the service balance comprises the service balance of the last day.
In one embodiment, the business record accounting module includes:
the first accounting unit is used for determining that if the service record to be accounted is consistent with the reference service record and the target service record is consistent with the reference service record, the service record to be adjusted and the accounting element to be adjusted do not exist;
the second accounting unit is used for determining that the business record to be accounted is the business record to be adjusted if the first difference exists between the business record to be accounted and the reference business record and the target business record is consistent with the reference business record, and determining an accounting element to be adjusted based on the business record to be accounted;
a third accounting unit, configured to determine that, if the to-be-accounted service record is consistent with the reference service record and a second difference exists between the target service record and the reference service record, the target service record is determined as a to-be-adjusted service record, and an accounting element to be adjusted is determined based on the target service record;
and the fourth accounting unit is used for determining that the business record to be accounted and the target business record are determined as business records to be adjusted if the third difference exists between the business record to be accounted and the reference business record and the fourth difference exists between the target business record and the reference business record, and comprehensively determining an accounting element to be adjusted based on the business record to be accounted and the target business record.
A computer device comprises a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the business data accuracy accounting method when executing the computer program.
A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the above-mentioned business data accuracy accounting method.
A computer program product comprising a computer program which, when executed by a processor, carries out the steps of the above-mentioned method of accounting for accuracy of business data.
According to the method, the device, the computer equipment, the storage medium and the computer program product for accounting the accuracy of the service data, if the service processing of the account in the preset time period is detected, the service change information is obtained, and the accounting element of the account is determined according to the service change information; generating a business record to be accounted according to the business data and the accounting elements of the account, and determining a reference business record based on the business resources in the business data; respectively checking the business record to be adjusted and the target business record with the reference business record, and determining the business record to be adjusted and the accounting element to be adjusted, wherein the target business record is the recorded business record in a preset time period; and adjusting the business record to be adjusted of the account according to the accounting element to be adjusted. By adopting the method of the embodiment, the business record to be checked is generated based on the actual business data processed by the business, and the business record to be checked and the recorded target business record are respectively compared with the reference business record, so that the business record with errors can be determined, the business record with errors can be adjusted in a targeted manner, the actual business data can be kept consistent with the recorded business data, the actual business data can be ensured to be completely recorded, and the accuracy of the business data is improved.
Drawings
FIG. 1 is a diagram of an exemplary embodiment of a business data accuracy accounting method;
FIG. 2 is a flow chart illustrating a method for accounting accuracy of service data according to an embodiment;
FIG. 3 is a diagram illustrating a method for accounting for accuracy of business data in an exemplary embodiment;
FIG. 4 is a schematic diagram of a business data accuracy accounting method in another embodiment;
FIG. 5 is a block diagram showing the construction of a business data accuracy accounting means in one embodiment;
FIG. 6 is a diagram illustrating an internal structure of a computer device according to an embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
In one embodiment, the service data accuracy accounting method provided by the embodiment of the present application, the application environment may involve both the terminal 102 and the server 104, as shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via a network. The data storage system may store data that the server 104 needs to process. The data storage system may be integrated on the server 104, or may be located on the cloud or other network server. Specifically, a user can log in an account through the terminal 102 and perform business processing on the terminal 102, and if the server 104 detects that the account of the terminal 102 performs business processing in a predetermined time period, the server obtains business change information, and determines accounting elements of the account according to the business change information; generating a business record to be accounted according to the business data and the accounting elements of the account, and determining a reference business record based on the business resources in the business data; respectively checking the business record to be adjusted and the target business record with the reference business record, and determining the business record to be adjusted and the accounting element to be adjusted, wherein the target business record is the recorded business record in a preset time period; and adjusting the business record to be adjusted of the account according to the accounting element to be adjusted.
In one embodiment, the application environment of the service data accuracy accounting method provided by the embodiment of the present application may only relate to the terminal 102 or the server 104. The user can directly log in an account on the terminal 102 or the server 104 and perform service processing, the terminal 102 or the server 104 performs service processing on the account in a predetermined time period, acquires service change information, and determines accounting elements of the account according to the service change information; generating a business record to be accounted according to the business data and the accounting elements of the account, and determining a reference business record based on the business resources in the business data; respectively checking the business record to be adjusted and the target business record with the reference business record, and determining the business record to be adjusted and the accounting element to be adjusted, wherein the target business record is the recorded business record in a preset time period; and adjusting the business record to be adjusted of the account according to the accounting element to be adjusted.
The terminal 102 may be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices, portable wearable devices, and the like. The server 104 may be implemented as a stand-alone server or as a server cluster comprised of multiple servers.
In one embodiment, as shown in fig. 2, a method for accounting service data accuracy is provided, which is described by taking the method as an example applied to the terminal 102 and/or the server 104 in fig. 1, and includes:
step S202, if the fact that the account is processed in the preset time period is detected, business change information is obtained, and accounting elements of the account are determined according to the business change information.
In one embodiment, the account is a carrier which is set according to the accounting subject, has a certain format and structure and is used for reflecting the increase and decrease change of the accounting element and the result of the increase and decrease change. The user's account mainly refers to the user's bank account and electronic bank account, and the bank account and electronic bank account include but are not limited to a deposit account, a loan account and a current account. When the user conducts any fund transaction involving funds through the account, for example, purchases a certain article, or conducts loan transaction, etc., it is determined that the account is detected to be processed. It should be noted that the embodiment of the present application can be applied to a business data system of a financial institution to perform business data accuracy accounting, but is not limited to the business data system of the financial institution. Wherein the business data system may be a loan core system.
In one embodiment, if it is detected that the account performs the service processing within the predetermined time period, the accuracy accounting of the service processing data is performed at the expiration time point of the predetermined time period. The preset time period may be a time period preset according to an actual situation, specifically may be a service day, for example, one service day may be set to 24 hours, specifically may be nine o 'clock in the morning of the first day to nine o' clock in the morning of the second day, or may be eight o 'clock in the morning of the first day to eight o' clock in the morning of the second day, and the specific time point is not limited herein. For example, if a business day is set to be nine am of the first day to nine am of the second day, the deadline time is nine am of the second day, that is, business data accuracy is calculated at nine am of the second day. Specifically, if the account is subjected to service processing within one service day, it is determined that the account is subjected to service processing within a predetermined time period.
In one embodiment, if it is detected that the account is subjected to service processing within a predetermined time period, service change information is acquired to determine changed items related to the service processing, and service data accuracy accounting is performed in a targeted manner. Specifically, according to the service processing type of the account, service change information matched with the service processing type is obtained, and the service change information comprises service subject change information and service fund change information. It should be noted that, when determining the service change information, it is not necessary to obtain a specific account of the service processing, that is, it is not necessary to obtain a specific numerical value of the item that has changed, and it is only necessary to determine the item that has changed according to the service processing type corresponding to the service processing.
The business subject change information can be understood as accounting subject table change information, and an accounting subject table (COA) is a set of accounting subjects for classifying and calculating specific contents of accounting elements according to contents of economic businesses and requirements of economic management, and can be divided into six categories of asset subjects, liability subjects, common subjects, owner rights and interests subjects, cost subjects and profit subjects. The general classification subjects, also called general ledger subjects or first-level subjects, are the accounting subjects that collectively classify the specific contents of the accounting elements and provide the general information. The detail classification subjects, also called detail subjects, are subjects for further classifying the general classification subjects and providing more detailed and specific accounting information, if more detail classification subjects are covered by a certain general classification subject, a second-level detail subject can be set under the general classification subject, and a third-level detail subject can be set under the second-level detail subject. Specifically, the business subject change information is determined according to the business data segment value of the business subject subdivision dimension. The business subject subdivision dimensionality comprises the dimensionalities of an organization, a currency, a client, a supplier, a product and the like, and the business subject change information comprises the organization information of an account, the organization type information and the service deadline information. For example, a 30-year 500-ten-thousand individual house loan issued by the broad-east branch of the construction department may correspond to business subject change information represented as: the division of the Guangdong division of the building, the home loan principal, the individual client, for a long time, can also be expressed as: the Guangdong division is built, the house loan is normal interest, and the house loan is personal and long-term.
The business fund change information can be understood as financial item change information, the financial item reflects the increase and decrease change of investment and loan between residents and non-residents, and is composed of four parts of direct investment, securities investment, other investment and reserve assets, the financial flow uses a positive sign in the financial item, and the financial flow uses a negative sign in the financial item. When an account is transacted, it causes a change in the corresponding financial item. Specifically, the business fund change information includes a business principal, a business interest, an overdue business principal and an overdue business interest. For example, the loan deposit, the loan return, etc. are made, and the corresponding business principal, i.e., the loan principal financial item, is increased or decreased.
In one embodiment, according to the business change information, the accounting element of the account is determined, so that the business data accuracy is specifically accounted. The accounting element can be understood as an accounting element, and the accounting element refers to a basic classification made by the accounting object according to the economic characteristics of the transaction or the matter, and also refers to a specific object and content which are made by the accounting object according to the economic nature, are main factors forming the specific content of the accounting object, and are also basic elements forming the accounting report. Specifically, business subject change information and business fund change information are integrated, and accounting elements of the account are determined.
Step S204, generating a business record to be accounted according to the business data and the accounting elements of the account, and determining a reference business record based on the business resources in the business data.
In one embodiment, a business record with matched accounting elements, called a business record to be accounted, is generated according to the business data of the account and the accounting elements, and is represented as J1. The business record can also be understood as an accounting entry, and the accounting entry refers to a record for listing the corresponding accounts of both parties and the amount thereof for each economic business according to the requirement of the double-entry accounting principle. Before the account is registered, the accounting entry is compiled through the bookkeeping voucher, so that the classification condition of the economic business can be clearly reflected, and the accuracy of the account record can be ensured, and the post-examination is convenient. Each accounting entry mainly comprises a bookkeeping symbol, an account, an abstract and an amount. Specifically, the business record to be accounted includes the specific numerical value of the item that has changed corresponding to the business data of each actual business process of the account.
In one embodiment, the service record to be accounted can be generated according to a preset recording rule. Specifically, a business record to be accounted, which is matched with the accounting element, is generated by mapping according to the business data of the account and based on a preset record rule. The preset recording rule comprises any one of a chromatography method, a business chain method and a billing rule method. And according to the specific service data of the account, automatically mapping and generating the service record to be accounted, which is matched with the accounting element.
In one embodiment, in order to ensure the accuracy of the business record accuracy accounting and ensure the accurate and error-free stored business data of each actual business process, the accounting benchmark needs to be determined. Specifically, based on the traffic resources in the traffic data, a traffic record, called a reference traffic record, is determined, denoted as J2. The service resource includes a specific numerical value of a changed item corresponding to service data of the service processing, and may specifically be a service balance. Since the service data accuracy check of the service processing is performed at the deadline point of the predetermined time period, which is the service day, the reference service record can be determined according to the service day final section data in the service data. The cross-sectional data (cross-sectional data sets) are data of different business entities at the same time point or the same time period, and the business day-to-day cross-sectional data is data of an account at the business day-to-day end time point. The business day and day terminal section data is generally of a three-section structure and is represented as an account, a financial item and a balance. For example, the business day and day end section data of the account A is represented as: account A, normal principal, 500 ten thousand. Specifically, the service balance of the day is determined based on the service day terminal section data in the service data, and a reference service record is generated based on the preset record rule mapping according to the service balance of the day and the stored service balance of the day. The service balance comprises the service balance of the current day and the service balance of the last day. The preset recording rule comprises any one of a chromatography method, a business chain method and a billing rule method. The current day may be denoted as the Tth day, and the previous day may be denoted as the T-1 th day.
Step S206, the business record to be adjusted and the target business record are checked with the reference business record respectively, the business record to be adjusted and the accounting element to be adjusted are determined, and the target business record is the recorded business record in the preset time period.
In one embodiment, in order to ensure the accuracy of the business record accuracy accounting and ensure the accurate and error-free stored business data of each actual business process, the recorded business record needs to be acquired. Specifically, a target business record, denoted as J3, is obtained. The target business record is a recorded business record in a preset time period, and can also be understood as a business record in a booked preset time period, and under the condition that the business record is accurate, the business record to be accounted and the target business record should be completely the same. Therefore, the service record to be accounted and the target service record can be compared with the reference service record respectively based on the reference service record to determine which service record has an error in the service record to be accounted and the target service record, the service record with the error is called as a service record to be adjusted, and the service record is adjusted, so that the actual service data processed by each set of service is completely the same as the recorded service data processed by the service.
In one embodiment, the business record to be adjusted and the target business record are respectively checked with the reference business record, and the business record to be adjusted and the accounting element to be adjusted corresponding to the business record to be adjusted are determined. It should be noted that when the business record to be checked and the target business record are checked against the reference business record, the business records are checked one by one according to the checking elements, so as to effectively prevent omission.
If the business record to be adjusted is consistent with the reference business record, and the target business record is consistent with the reference business record, the business record to be adjusted and the accounting element to be adjusted do not exist. Namely, the business record to be accounted and the target business record are completely the same and the records are accurate.
If the business record to be checked and the reference business record have a first difference and the target business record is consistent with the reference business record, determining the business record to be checked as the business record to be adjusted, and determining the checking element to be adjusted based on the business record to be checked. For example, if there is a difference 100 between the service record to be accounted J1 and the reference service record J2, and the reference service record J2 is consistent with the target service record J3, it indicates that the service record to be accounted J1 generates partially unreasonable service data, and the service record to be accounted J1 needs to be adjusted.
And if the service record to be adjusted is consistent with the reference service record and the target service record and the reference service record have a second difference, determining the target service record as the service record to be adjusted, and determining the accounting element to be adjusted based on the target service record. For example, if the service record to be accounted J1 is consistent with the reference service record J2, and there is a difference 100 between the reference service record J2 and the target service record J3, it indicates that there is some service data in the target service record J3 that is not successfully posted, and it is necessary to adjust the target service record J3.
If the third difference exists between the service record to be calculated and the reference service record and the fourth difference exists between the target service record and the reference service record, determining the service record to be calculated and the target service record as the service record to be adjusted, and comprehensively determining the accounting element to be adjusted based on the service record to be calculated and the target service record. The third difference and the fourth difference may be the same or different. For example, if there is a difference 100 between the service record to be accounted J1 and the reference service record J2, and there is also a difference 100 between the reference service record J2 and the target service record J3, it indicates that there may be 100 less for the service record to be accounted J1 or the target service record J3, and it is necessary to determine the service record to be adjusted comprehensively. For example, if there is a difference 150 between the service record to be calculated J1 and the reference service record J2 and there is a difference 200 between the reference service record J2 and the target service record J3, the service record to be adjusted needs to be determined by comprehensive analysis by additionally recording the difference 200 between the reference service record J2 and the target service record J3.
And step S208, adjusting the business record to be adjusted of the account according to the accounting element to be adjusted.
In one embodiment, the business record to be adjusted of the account is adjusted according to the accounting element to be adjusted, the adjusted business record is obtained, and the adjusted business record is stored, so that the business record to be adjusted is ensured to be consistent with the target business record.
In the method for accounting the accuracy of the service data, if the service processing of the account in a preset time period is detected, the service change information is obtained, and accounting elements of the account are determined according to the service change information; generating a business record to be accounted according to the business data and the accounting elements of the account, and determining a reference business record based on the business resources in the business data; respectively checking the business record to be adjusted and the target business record with the reference business record, and determining the business record to be adjusted and the accounting element to be adjusted, wherein the target business record is the recorded business record in a preset time period; and adjusting the business record to be adjusted of the account according to the accounting element to be adjusted. By adopting the method of the embodiment, the business record to be checked is generated based on the actual business data processed by the business, and the business record to be checked and the recorded target business record are respectively compared with the reference business record, so that the business record with errors can be determined, the pertinence adjustment is carried out, the actual business data can be consistent with the recorded business data, and the accuracy of the business data is improved.
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
In a specific embodiment, a user opens an account in a financial institution in advance, and performs a business process related to a fund transaction through the account, for example, a loan transaction is performed, and at the end of a business day, a business data system of the financial institution needs to perform business data accuracy accounting to ensure that actual business data is consistent with recorded business data, as shown in fig. 3, a schematic diagram of a business data accuracy accounting method includes the following specific steps:
if the business data system detects that an account is subjected to business processing in a business day, acquiring accounting subject table change information and financial item change information matched with the business processing type according to the business processing type of the account, and determining accounting elements of account accounting by integrating the accounting subject table change information and the financial item change information;
mapping and generating a to-be-accounted business record J1 matched with the accounting element according to the business data of the account in the business data system and based on a preset record rule;
determining the service balance of the day based on service day final section data in service data in a service data system, and mapping based on a preset recording rule to generate a benchmark service record J2 according to the service balance of the day and the stored service balance of the day;
acquiring a recorded target service record J3 in a service data system;
if the service record J1 to be adjusted is consistent with the reference service record J2, and the target service record J3 is consistent with the reference service record J2, the service record to be adjusted and the accounting element to be adjusted do not exist;
if the business record J1 to be accounted and the reference business record J2 have a first difference and the target business record J3 is consistent with the reference business record J2, determining the business record J1 to be accounted as a business record to be adjusted, and determining an accounting element to be adjusted based on the business record J1 to be accounted;
if the service record J1 to be adjusted is consistent with the reference service record J2, and a second difference exists between the target service record J3 and the reference service record J2, determining the target service record J3 as a service record to be adjusted, and determining an accounting element to be adjusted based on the target service record J3;
if a third difference exists between the service record J1 to be accounted and the reference service record J2 and a fourth difference exists between the target service record J3 and the reference service record J2, determining the service record J1 to be accounted and the target service record J3 as service records to be adjusted, and comprehensively determining accounting elements to be adjusted based on the service record J1 to be accounted and the target service record J3;
and adjusting the business record to be adjusted of the account according to the accounting element to be adjusted, and storing the business record after storage and adjustment in a business data system.
In an embodiment, taking the business data as the accounting data as an example, that is, the business record is the accounting entry, as shown in fig. 4, which is a schematic diagram of a business data accuracy accounting method, and the dashed line represents a fund transaction line, which is implemented as a credit record reconciliation line, wherein the loan system and the financial accounting system are mainly related, the business module is a part of the loan system, and the loan system and the financial accounting system can be deployed on the same or different computer devices, and the specific steps are as follows:
the business module outputs accounting factors to the accounting module according to the accounting subject segment value and the financial item change condition of the account;
the accounting module accounts an accounting entry J1 according to the accounting factors and sends the accounting entry J1 to the financial accounting system in real time;
the accounting checking module calculates the accounting subject balance of the current day (T day) according to the accounting subject section value of the account and the daily end section data of the financial item at the end of the business day, and subtracts the accounting subject balance of the current day (T-1 day) from the accounting subject balance of the last day to obtain an accounting subject change entry J2 of the account;
the accounting checking module returns the current day account entry J3 from the financial accounting system; the accounting check module checks J1 and J2, and J2 and J3 respectively, determines a check difference result, namely determines miscount information, and sends the miscount information to a miscount adjusting module;
the wrong account adjustment module performs comprehensive analysis operation on the double checking difference result, determines a wrong account adjustment accounting element and sends the wrong account adjustment accounting element to the accounting module;
the accounting module adjusts accounting elements according to the wrong account, adjusts the accounting entry, and sends the adjusted accounting entry to the financial accounting system.
It should be understood that, although the steps in the flowcharts related to the embodiments as described above are sequentially displayed as indicated by arrows, the steps are not necessarily performed sequentially as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a part of the steps in the flowcharts related to the embodiments described above may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the execution order of the steps or stages is not necessarily sequential, but may be rotated or alternated with other steps or at least a part of the steps or stages in other steps.
Based on the same inventive concept, the embodiment of the present application further provides a service data accuracy accounting device for implementing the service data accuracy accounting method. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the method, so that specific limitations in one or more embodiments of the service data accuracy accounting device provided below can be referred to the limitations on the service data accuracy accounting method in the foregoing, and details are not described herein again.
In one embodiment, as shown in fig. 5, a business data accuracy accounting apparatus is provided, including: an accounting element determining module 510, a business record generating module 520, a business record accounting module 530, and a business record adjusting module 540, wherein:
an accounting element determining module 510, configured to, if it is detected that the account performs service processing within a predetermined time period, obtain service change information, and determine an accounting element of the account according to the service change information.
A service record generating module 520, configured to generate a service record to be accounted according to the service data of the account and the accounting element, and determine a reference service record based on a service resource in the service data.
A service record accounting module 530, configured to check the service record to be accounted and the target service record with the reference service record, and determine a service record to be adjusted and an accounting element to be adjusted, where the target service record is a recorded service record in the predetermined time period.
And the service record adjusting module 540 is configured to adjust the service record to be adjusted of the account according to the accounting element to be adjusted.
In one embodiment, the accounting element determining module 510 includes:
and the service change information acquisition module is used for acquiring service change information matched with the service processing type according to the service processing type of the account, wherein the service change information comprises service subject change information and service fund change information, the service subject change information comprises mechanism information, mechanism type information and service deadline information to which the account belongs, and the service fund change information comprises a service principal, service interest, overdue service principal and overdue service interest.
In one embodiment, the accounting element determining module 510 includes:
and the accounting element determining unit is used for integrating the business subject change information and the business fund change information to determine the accounting element of the account.
In one embodiment, the service record generating module 520 includes:
and the to-be-accounted business record generating unit is used for generating the to-be-accounted business record matched with the accounting element in a mapping manner according to the business data of the account and based on a preset record rule.
In one embodiment, the service record generating module 520 includes:
and the service balance determining unit is used for determining the service balance of the current day based on the service day terminal section data in the service data, and the service resource comprises the service balance of the current day.
And the benchmark service record generating unit is used for generating a benchmark service record based on preset record rule mapping according to the service balance of the current day and the stored service balance of the last day, wherein the service balance comprises the service balance of the last day.
In one embodiment, the business record accounting module 530 includes:
and the first accounting unit is used for determining that the service record to be adjusted and the accounting element to be adjusted do not exist if the service record to be accounted is consistent with the reference service record and the target service record is consistent with the reference service record.
And the second accounting unit is used for determining that the business record to be accounted is the business record to be adjusted if the first difference exists between the business record to be accounted and the reference business record and the target business record is consistent with the reference business record, and determining an accounting element to be adjusted based on the business record to be accounted.
And the third accounting unit is used for determining that the target business record is determined as the business record to be adjusted if the business record to be accounted is consistent with the reference business record and a second difference exists between the target business record and the reference business record, and determining an accounting element to be adjusted based on the target business record.
And the fourth accounting unit is used for determining that the business record to be accounted and the target business record are determined as business records to be adjusted if the third difference exists between the business record to be accounted and the reference business record and the fourth difference exists between the target business record and the reference business record, and comprehensively determining an accounting element to be adjusted based on the business record to be accounted and the target business record.
The modules in the service data accuracy accounting device can be wholly or partially realized by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In one embodiment, a computer device is provided, the internal structure of which may be as shown in FIG. 6. The computer device includes a processor, a memory, a communication interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless communication can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement a business data accuracy accounting method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.
Those skilled in the art will appreciate that the architecture shown in fig. 6 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.
In one embodiment, a computer device is provided, which includes a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the service data accuracy accounting method when executing the computer program.
In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored, which when executed by a processor implements the steps of the above-described business data accuracy accounting method.
In one embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the above-described business data accuracy accounting method.
It should be noted that, the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high-density embedded nonvolatile Memory, resistive Random Access Memory (ReRAM), Magnetic Random Access Memory (MRAM), Ferroelectric Random Access Memory (FRAM), Phase Change Memory (PCM), graphene Memory, and the like. Volatile Memory can include Random Access Memory (RAM), external cache Memory, and the like. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others. The databases referred to in various embodiments provided herein may include at least one of relational and non-relational databases. The non-relational database may include, but is not limited to, a block chain based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic devices, quantum computing based data processing logic devices, etc., without limitation.
The technical features of the embodiments described above may be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the embodiments described above are not described, but should be considered as being within the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present application shall be subject to the appended claims.
Claims (15)
1. A method for accounting accuracy of service data, the method comprising:
if the fact that the account is subjected to service processing within a preset time period is detected, acquiring service change information, and determining accounting elements of the account according to the service change information;
generating a business record to be accounted according to the business data of the account and the accounting element, and determining a reference business record based on the business resources in the business data;
respectively checking the business record to be adjusted and the target business record with the reference business record, and determining the business record to be adjusted and the accounting element to be adjusted, wherein the target business record is the recorded business record in the preset time period;
and adjusting the business record to be adjusted of the account according to the accounting element to be adjusted.
2. The method of claim 1, wherein the obtaining the service change information comprises:
and acquiring service change information matched with the service processing type according to the service processing type of the account, wherein the service change information comprises service subject change information and service fund change information, the service subject change information comprises mechanism information, mechanism type information and service deadline information to which the account belongs, and the service fund change information comprises service principal, service interest, overdue service principal and overdue service interest.
3. The method of claim 2, wherein the determining the accounting element of the account according to the service change information comprises:
and integrating the business subject change information and the business fund change information to determine the accounting elements of the account.
4. The method for accounting the accuracy of the business data according to claim 1, wherein the generating the business record to be accounted according to the business data of the account and the accounting element comprises:
and mapping and generating a business record to be accounted matched with the accounting element according to the business data of the account and based on a preset record rule.
5. The method of claim 1, wherein the determining a reference business record based on the business resources in the business data comprises:
determining the balance of the service on the same day based on the service day terminal section data in the service data, wherein the service resource comprises the balance of the service on the same day;
and mapping to generate a reference service record based on a preset record rule according to the service balance of the current day and the stored service balance of the previous day, wherein the service balance comprises the service balance of the previous day.
6. The method for accounting the accuracy of the business data according to claim 1, wherein the checking the business record to be accounted and the target business record with the reference business record respectively to determine the business record to be adjusted and the accounting element to be adjusted comprises:
if the business record to be adjusted is consistent with the reference business record, and the target business record is consistent with the reference business record, the business record to be adjusted and the accounting element to be adjusted do not exist;
if the business record to be accounted and the reference business record have a first difference and the target business record is consistent with the reference business record, determining the business record to be accounted as a business record to be adjusted, and determining an accounting element to be adjusted based on the business record to be accounted;
if the business record to be adjusted is consistent with the reference business record and a second difference exists between the target business record and the reference business record, determining the target business record as a business record to be adjusted, and determining an accounting element to be adjusted based on the target business record;
and if the service record to be calculated and the reference service record have a third difference and the target service record and the reference service record have a fourth difference, determining the service record to be calculated and the target service record as the service record to be adjusted, and comprehensively determining the calculation element to be adjusted based on the service record to be calculated and the target service record.
7. An apparatus for accounting accuracy of business data, the apparatus comprising:
the accounting element determining module is used for acquiring service change information if the service processing of the account in a preset time period is detected, and determining the accounting element of the account according to the service change information;
the business record generating module is used for generating a business record to be accounted according to the business data of the account and the accounting element, and determining a reference business record based on the business resources in the business data;
the business record accounting module is used for respectively checking the business record to be accounted and the target business record with the reference business record, and determining the business record to be adjusted and the accounting element to be adjusted, wherein the target business record is the recorded business record in the preset time period;
and the business record adjusting module is used for adjusting the business record to be adjusted of the account according to the accounting element to be adjusted.
8. The business data accuracy accounting apparatus of claim 7, wherein the accounting element determining module comprises:
and the service change information acquisition module is used for acquiring service change information matched with the service processing type according to the service processing type of the account, wherein the service change information comprises service subject change information and service fund change information, the service subject change information comprises mechanism information, mechanism type information and service deadline information to which the account belongs, and the service fund change information comprises a service principal, service interest, overdue service principal and overdue service interest.
9. The apparatus for accounting for accuracy of business data according to claim 8, wherein the accounting element determining module comprises:
and the accounting element determining unit is used for integrating the business subject change information and the business fund change information to determine the accounting element of the account.
10. The business data accuracy accounting device of claim 7, wherein the business record generating module comprises:
and the to-be-accounted business record generating unit is used for generating the to-be-accounted business record matched with the accounting element in a mapping manner according to the business data of the account and based on a preset record rule.
11. The business data accuracy accounting device of claim 7, wherein the business record generating module comprises:
a service balance determining unit, configured to determine a service balance of the current day based on service day final cross-section data in the service data, where the service resource includes the service balance of the current day;
and the benchmark service record generating unit is used for generating a benchmark service record based on preset record rule mapping according to the service balance of the current day and the stored service balance of the last day, wherein the service balance comprises the service balance of the last day.
12. The business data accuracy accounting device of claim 7, wherein the business record accounting module comprises:
the first accounting unit is used for determining that if the service record to be accounted is consistent with the reference service record and the target service record is consistent with the reference service record, the service record to be adjusted and the accounting element to be adjusted do not exist;
the second accounting unit is used for determining that the business record to be accounted is the business record to be adjusted if the first difference exists between the business record to be accounted and the reference business record and the target business record is consistent with the reference business record, and determining an accounting element to be adjusted based on the business record to be accounted;
a third accounting unit, configured to determine that, if the to-be-accounted service record is consistent with the reference service record and a second difference exists between the target service record and the reference service record, the target service record is determined as a to-be-adjusted service record, and an accounting element to be adjusted is determined based on the target service record;
and the fourth accounting unit is used for determining that the business record to be accounted and the target business record are determined as business records to be adjusted if the third difference exists between the business record to be accounted and the reference business record and the fourth difference exists between the target business record and the reference business record, and comprehensively determining an accounting element to be adjusted based on the business record to be accounted and the target business record.
13. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the business data accuracy accounting method of any one of claims 1 to 6.
14. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the business data accuracy accounting method of any one of claims 1 to 6.
15. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, realizes the steps of the business data accuracy accounting method of any one of claims 1 to 6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111406403.2A CN114240611A (en) | 2021-11-24 | 2021-11-24 | Method and device for accounting accuracy of service data, computer equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111406403.2A CN114240611A (en) | 2021-11-24 | 2021-11-24 | Method and device for accounting accuracy of service data, computer equipment and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN114240611A true CN114240611A (en) | 2022-03-25 |
Family
ID=80751134
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111406403.2A Pending CN114240611A (en) | 2021-11-24 | 2021-11-24 | Method and device for accounting accuracy of service data, computer equipment and storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN114240611A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114579555A (en) * | 2022-04-28 | 2022-06-03 | 梅州客商银行股份有限公司 | Real-time data calibration method and system based on 7 x 24 hours |
| CN114881546A (en) * | 2022-07-08 | 2022-08-09 | 天聚地合(苏州)科技股份有限公司 | Method and device for determining resource consumption |
| CN117495424A (en) * | 2023-12-29 | 2024-02-02 | 深圳赛盒科技有限公司 | FBA (film base station) head management method, system, equipment and storage medium |
-
2021
- 2021-11-24 CN CN202111406403.2A patent/CN114240611A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114579555A (en) * | 2022-04-28 | 2022-06-03 | 梅州客商银行股份有限公司 | Real-time data calibration method and system based on 7 x 24 hours |
| CN114579555B (en) * | 2022-04-28 | 2022-07-15 | 梅州客商银行股份有限公司 | Real-time data calibration method and system based on 7 x 24 hours |
| CN114881546A (en) * | 2022-07-08 | 2022-08-09 | 天聚地合(苏州)科技股份有限公司 | Method and device for determining resource consumption |
| CN117495424A (en) * | 2023-12-29 | 2024-02-02 | 深圳赛盒科技有限公司 | FBA (film base station) head management method, system, equipment and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| Khandani et al. | Systemic risk and the refinancing ratchet effect | |
| CN114240611A (en) | Method and device for accounting accuracy of service data, computer equipment and storage medium | |
| AU2017290839A1 (en) | International trade finance blockchain system | |
| CA2924971A1 (en) | System and method for automatically providing a/r-based lines of credit to businesses | |
| El Karoui et al. | Constrained optimization with respect to stochastic dominance: application to portfolio insurance | |
| TWM582187U (en) | Supply chain financial service system combining big data information in blockchain technology | |
| Gomaa et al. | The Creation of One Truth: Single-Ledger Entries for Multiple Stakeholders Using Blockchain Technology to Address the Reconciliation Problem | |
| US10671952B1 (en) | Transmission of a message based on the occurrence of a workflow event and the output of an externally augmented propensity model identifying a future financial requirement | |
| CN114387085B (en) | Method, device, computer equipment and storage medium for processing stream data | |
| Huang et al. | A framework for analyzing the US coin supply chain | |
| US10235719B2 (en) | Centralized GAAP approach for multidimensional accounting to reduce data volume and data reconciliation processing costs | |
| Bholat | Modelling metadata in central banks | |
| CN114897590A (en) | Form checking method and device, computer equipment and storage medium | |
| US11107027B1 (en) | Externally augmented propensity model for determining a future financial requirement | |
| US20230171202A1 (en) | System and method for performing assessment of electronic resources stored in a distributed network | |
| Mendoza-Tello et al. | The role of blockchain for introducing resilience in insurance domain: a systematic review | |
| US20170344925A1 (en) | Transmission of messages based on the occurrence of workflow events and the output of propensity models identifying a future financial requirement | |
| US20230196453A1 (en) | Deduplication of accounts using account data collision detected by machine learning models | |
| US20230394478A1 (en) | Generating and publishing unified transaction streams from a plurality of computer networks for downstream computer service systems | |
| CN116701424A (en) | Data processing method, apparatus, computer device, storage medium, and program product | |
| US20230351492A1 (en) | Systems and Methods for Determining an Interest Rate for a Transaction | |
| TWI664598B (en) | Financial service method with point of sale terminal | |
| CN114638614A (en) | Enterprise credit line determination method and device based on multi-dimensional government affair data | |
| US20140258053A1 (en) | System and method for accounting of financial instruments | |
| Aves | Survival Analysis and the Life of Australian Banknotes| Bulletin–September 2019 |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |