CN115239461A

CN115239461A - BGL account fund flow supervision implementation method and device

Info

Publication number: CN115239461A
Application number: CN202210862873.8A
Authority: CN
Inventors: 邓惠月; 唐璐璐
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2022-07-21
Filing date: 2022-07-21
Publication date: 2022-10-25

Abstract

The invention provides a BGL account fund flow supervision implementation method and a BGL account fund flow supervision implementation device, which are applicable to the technical field of finance, and the method comprises the following steps: determining a tracking number after the BGL account receives a transaction request, the transaction comprising a credit transaction and a debit transaction; when the transaction is a credit transaction, writing the basic transaction information of the transaction request into a tracking number basic information table corresponding to the tracking number; writing the amount information in the transaction request into a tracking number balance information table corresponding to the tracking number; writing the pipelining information in the transaction request into a tracking number pipelining information table corresponding to the tracking number; at the end of every day, zero clearing check is carried out on the balance in the tracking number balance information table of the BGL account, and a zero clearing check result is obtained; and outputting a tracking number basic information table, a tracking number balance information table, a tracking number serial information table and a zero clearing check result of the BGL account. The invention can solve the problems of information loss, high risk and high supervision difficulty caused by manually processing BGL account funds.

Description

BGL account fund flow supervision implementation method and device

Technical Field

The invention relates to the technical field of finance, in particular to a BGL account fund flow supervision implementation method and device.

Background

At present, the BGL account fund flow is recorded in transaction dimension, and the original BGL fund flow is recorded in transaction dimension and has the following two disadvantages:

1. the capital flow is unclear and the transaction flow cannot be accurately monitored. BGL accounts relate to cross-department and cross-system processing, service breakpoints are more, direct association does not exist between transactions, information of a transaction counter party cannot be accurately judged only from transaction dimensions, and the trend of each amount is difficult to accurately position.

2. The post-transaction is not monitored, the risk of the transaction cannot be avoided, and the whole-process monitoring is difficult to realize.

Disclosure of Invention

The embodiment of the invention provides a BGL account fund flow supervision implementation method, which is used for solving the problems of information loss, high risk and high supervision difficulty caused by manual processing of BGL account fund and comprises the following steps:

determining a tracking number after the BGL account receives a transaction request, the transaction comprising a credit transaction and a debit transaction;

when the transaction is a credit transaction, writing the basic transaction information of the transaction request into a tracking number basic information table corresponding to the tracking number;

writing the amount information in the transaction request into a tracking number balance information table corresponding to the tracking number;

writing the stream information in the transaction request into a tracking number stream information table corresponding to the tracking number;

at the end of every day, zero clearing check is carried out on the balance in the tracking number balance information table of the BGL account, and a zero clearing check result is obtained;

and outputting a basic information table of the tracking number, a balance information table of the tracking number, a running information table of the tracking number and a zero clearing check result of the BGL account.

The embodiment of the invention provides a BGL account fund flow supervision implementation device, which is used for solving the problems of information loss, high risk and large supervision difficulty caused by manually processing BGL account fund and comprises the following components:

a tracking number determination module for determining a tracking number after the BGL account receives a transaction request, the transaction including a credit transaction and a debit transaction;

the table updating module is used for writing the basic transaction information of the transaction request into a tracking number basic information table corresponding to the tracking number when the transaction is a credit transaction; writing the amount information in the transaction request into a tracking number balance information table corresponding to the tracking number; writing the stream information in the transaction request into a tracking number stream information table corresponding to the tracking number;

the zero clearing checking module is used for carrying out zero clearing checking on the balance in the tracking number balance information table of the BGL account at the end of each day to obtain a zero clearing checking result;

and the supervision output module is used for outputting a tracking number basic information table, a tracking number balance information table, a tracking number serial information table and a zero clearing check result of the BGL account.

The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be run on the processor, wherein the processor executes the computer program to realize the BGL account fund flow supervision implementation method.

The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and when being executed by a processor, the computer program realizes the BGL account fund flow supervision realization method.

An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the implementation method for monitoring and managing the BGL account fund flow.

In an embodiment of the invention, after the BGL account receives a transaction request, a tracking number is determined, the transaction including a credit transaction and a debit transaction; when the transaction is a credit transaction, writing the basic transaction information of the transaction request into a tracking number basic information table corresponding to the tracking number; writing the amount information in the transaction request into a tracking number balance information table corresponding to the tracking number; writing the pipelining information in the transaction request into a tracking number pipelining information table corresponding to the tracking number; at the end of every day, carrying out zero clearing check on the balance in the tracking number balance information table of the BGL account to obtain a zero clearing check result; and outputting a tracking number basic information table, a tracking number balance information table, a tracking number serial information table and a zero clearing check result of the BGL account. Compared with the method for recording BGL account fund flow by transaction dimension in the prior art, the method adopts a tracking number mode to monitor BGL fund flow, can automatically record fund flow direction information, timely position each fund dynamic state and reduce the risk of wrong account; the system can automatically record the successfully processed transaction of each business scene, can remind in time when abnormality is found, and realizes the supervision of the BGL account fund flow transaction process.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:

fig. 1 is a flowchart of a method for implementing BGL account fund flow supervision according to an embodiment of the present invention;

figure 2 is a detailed flow diagram of BGL account crediting transaction information generation according to an embodiment of the present invention;

fig. 3 is a detailed flowchart of BGL account debit transaction information generation according to an embodiment of the present invention;

fig. 4 is a first schematic diagram of a device for implementing BGL account fund flow regulation according to an embodiment of the present invention;

fig. 5 is a second schematic diagram of a device for implementing BGL account fund flow regulation according to an embodiment of the present invention;

FIG. 6 is a diagram of a computer device in an embodiment of the invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.

In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.

First, terms related to embodiments of the present invention are explained.

BGL (Branch General leader) account: the account is an account which is mainly used for recording money such as money of a central bank and a college, temporary payment of funds, cash in stock and the like except for a deposit account, a loan account or an asset account.

Tracking number: the BGL account credit or debit transaction generates a set of numerical codes that are used to track the source and destination of funds through the BGL account.

Fig. 1 is a flowchart of a BGL account fund flow supervision implementation method in an embodiment of the present invention, and as shown in fig. 1, the method includes:

step 101, after receiving a transaction request, determining a tracking number, wherein the transaction comprises a credit transaction and a debit transaction;

step 102, writing basic transaction information of a transaction request into a tracking number basic information table corresponding to the tracking number when the transaction is a credit transaction;

103, writing the amount information in the transaction request into a tracking number balance information table corresponding to the tracking number;

step 104, writing the pipelining information in the transaction request into a tracking number pipelining information table corresponding to the tracking number;

105, performing zero clearing check on the balance in the tracking number balance information table of the BGL account at the end of each day to obtain a zero clearing check result;

and 106, outputting a tracking number basic information table, a tracking number balance information table, a tracking number serial information table and a zero clearing check result of the BGL account.

In the embodiment of the invention, compared with the method for recording BGL account fund flow by transaction dimension in the prior art, the BGL account fund flow is monitored by adopting a tracking number mode, fund flow direction information can be automatically recorded, each fund dynamic state is positioned in time, and the miscount risk is reduced; the system can automatically record the successfully processed transaction of each business scene, can remind in time when abnormality is found, and realizes the supervision of the BGL account fund flow transaction process.

In one embodiment, determining the tracking number after receiving the transaction request includes:

automatically generating a tracking number after receiving a credit transaction request;

upon receiving the debit transaction request, obtaining transaction elements in the debit transaction request; acquiring a query condition input by a user based on a transaction element; obtaining at least one tracking number according to the query condition; a tracking number selected by the user from the at least one tracking number is obtained.

In an embodiment, the method further comprises:

when the user selects a plurality of tracking numbers from at least one tracking number, combining the plurality of tracking numbers into one of the plurality of tracking numbers;

and updating a tracking number basic information table corresponding to a plurality of tracking numbers of the BGL account.

In an embodiment, the method further comprises:

after receiving a debit transaction request, the BGL account does not perform credit transaction and receives a tracking number directly input by a user, writing basic transaction information of the debit transaction request into a tracking number basic information table corresponding to the tracking number directly input by the user.

In an embodiment, the method further comprises:

and after the BGL account receives a credit transaction request for the first time and a tracking number basic information table is established, automatically generating a tracking number, and replacing the tracking number in the tracking number basic information table with the automatically generated tracking number.

That is, the organization-associated authorized operator will have unpaired funds (in the case where the BGL account has not been credited and receives a tracking number directly entered by the user), and the associated matching of tracking numbers can be performed manually by a re-entry operation.

In summary, fig. 2 is a detailed flowchart of BGL account credit transaction information generation according to the embodiment of the present invention, and the specific steps include:

step 201, the BGL account receives a credit request;

step 202, obtaining transaction elements filled by a user, wherein the transaction elements comprise basic transaction information, money information and flow information;

step 203, after the user submits the transaction elements, the credit transaction is ended;

step 204, automatically generating a tracking number;

step 205, judging whether the BGL account receives the credit transaction request for the first time and a tracking number basic information table is established, if yes, going to step 206; otherwise, go to step 207;

step 206, replacing the tracking number in the basic information table of the tracking number with the automatically generated tracking number; the process proceeds to step 208 where,

step 207, writing the basic transaction information of the transaction request into a tracking number basic information table corresponding to the tracking number;

step 208, writing the amount information in the transaction request into a tracking number balance information table corresponding to the tracking number;

step 209, writing the serial information in the transaction request into the tracking number serial information table corresponding to the tracking number, and ending.

Fig. 3 is a detailed flowchart of BGL account debit transaction information generation in an embodiment of the present invention, which specifically includes the steps of:

step 301, the bgl account receives a debit transaction request;

step 302, obtaining transaction elements filled by a user, including basic transaction information, money information and flow information; entering step 303 and step 310;

step 303, obtaining a query condition input by a user based on the transaction element;

step 304, obtaining at least one tracking number according to the query condition; obtaining a tracking number selected by a user from at least one tracking number;

step 305, judging whether a plurality of tracking numbers are selected by a user from at least one tracking number, if so, entering step 306, otherwise, entering step 308;

step 306, combining the plurality of tracking numbers into one of the plurality of tracking numbers;

step 307, updating a tracking number basic information table corresponding to a plurality of tracking numbers of the BGL account; step 308 is entered;

step 308, writing the amount information in the transaction request into a tracking number balance information table corresponding to the tracking number;

and 309, writing the pipelining information in the transaction request into a tracking number pipelining information table corresponding to the tracking number, and ending.

In step 310, after the BGL account has not performed a credit transaction and receives the tracking number directly input by the user, the basic transaction information of the debit transaction request is written into the tracking number basic information table corresponding to the tracking number directly input by the user, and the process goes to step 308.

In an embodiment, the method further comprises:

and when the zero clearing check result is abnormal, sending reminding information to the user of the BGL account.

In an embodiment, the method further comprises:

at the end of every day, consistency check is carried out on a basic information table of the tracking number, a balance information table of the tracking number and a serial information table of the tracking number of the BGL account;

and when the information of the abnormal verification exists, sending reminding information to the user of the BGL account.

In one embodiment, the tracking number basic information table at least comprises a tracking number, a service type, a state, a BGL account number, an incorporated tracking number, a created transaction code,

Create core transaction code, create channel, create institution, create teller, last modified status, last modified date.

Tracking number: the code consists of date + core transaction serial number;

the service types are as follows: indicating a specific service type, such as credit card service, payment suspension service, etc.;

the state is as follows: tracking the state of the number, wherein 0-new, 1-effective and 2-combined;

the BGL account number: a BGL account number corresponding to the actual transaction;

incorporation of tracking number: if it is a merged trace number, this field identifies the last merged trace number;

creating a transaction code: because BGL transaction is cross-system, a plurality of systems are involved, and the field records an original transaction code for executing BGL fund flow transaction, namely the original transaction code of a tracking number is automatically generated;

creating a core transaction code: what is actually called finally across the system is the core transaction, represented here as the corresponding core transaction code.

Creating a channel: system codes of BGL original transactions, such as BL-front end, SCS-intelligent counter, and the like;

a creation mechanism: the organization number of the BGL original transaction;

creating a teller: a teller of the BGL original transaction;

and finally, modifying the state: updating this value when modified/created, U-update, I-new creation

The final modification date: the date of modification/creation is recorded.

In one embodiment, the tracking number balance information table includes at least a tracking number, a BGL account number, a currency, an initial amount, a balance, a last modified status, and a last modified date.

Currency: currencies representing transactions, such as CNY for renminbi, UK for british, etc.;

initial amount: the initial amount at the time of creation of the tracking number, typically a credit amount;

balance: the balance after the tracking number transaction may be negative, increasing at credit and decreasing at debit.

In one embodiment, the tracking number flow information table at least comprises a tracking number, an accounting date, a core flow number, a BGL account number, a current date, a type, a time, a system to which the transaction code belongs, a transaction code, a core transaction code, a currency, an amount, an opponent type, opponent information, whether to be corrected, an original transaction date, an original transaction core flow number, remark information, a last modification state and a last modification date.

Accounting day: actual accounting date;

time: time of actual accounting;

core serial number: the serial number of the bottom core transaction uniquely identifies the core transaction;

type (2): recording the type of tracking number transaction, 01-finance pipelining 02-tracking number merging 03-tracking number adjustment;

opponent type: the type of opponent account involved in the debit or credit transaction;

the adversary information: information on an opponent account involved in a debit or credit transaction;

whether to rush to just: if the transaction is cancelled, indicating that the transaction is positive;

the original transaction date: if the transaction is cancelled, recording the original transaction date;

original transaction core serial number: if the transaction is cancelled, recording the serial number corresponding to the original transaction;

remark information: remark information for the transaction.

The method provided by the embodiment of the invention has the following beneficial effects:

first, availability is high. The three tables can modify fields according to requirements and have extensibility; data are split from transaction information, amount information and basic information, transaction details can be located in time, certain financial data are analyzed, convenience is provided for automatic abnormity reminding, BGL fund flow direction can be determined, out-going and in-entering can be located in time, real-time monitoring and comparison are achieved, and BGL fund flow monitoring in the whole process is achieved. The fund flow direction information can be automatically recorded, each fund dynamic state can be timely positioned, and the account error risk is reduced;

secondly, automatically generating a tracking number, coding the tracking number according to transaction flow and transaction date, recording the fund flow direction by taking single transaction amount as a dimension, and further clearly checking out and entering account to realize the supervision of the BGL account fund flow transaction flow; and the abnormal condition can be timely reminded, so that the BGL account fund flow transaction process can be monitored.

The embodiment of the invention also provides a BGL account fund flow supervision implementation device, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the BGL account fund flow supervision implementation method, the implementation of the device can refer to the implementation of the BGL account fund flow supervision implementation method, and repeated parts are not described again.

Fig. 4 is a first schematic diagram of a device for implementing BGL account fund flow regulation according to an embodiment of the present invention, including:

a tracking number determination module 401 for determining a tracking number after the BGL account receives a transaction request, the transaction including a credit transaction and a debit transaction;

a table updating module 402, configured to write basic transaction information of a transaction request into a tracking number basic information table corresponding to the tracking number when the transaction is a credit transaction; writing the amount information in the transaction request into a tracking number balance information table corresponding to the tracking number; writing the stream information in the transaction request into a tracking number stream information table corresponding to the tracking number;

a zero clearing check module 403, configured to perform zero clearing check on the balance in the tracking number balance information table of the BGL account at the end of each day, to obtain a zero clearing check result;

and the supervision output module 404 is configured to output a tracking number basic information table, a tracking number balance information table, a tracking number running information table, and a zero clearing check result of the BGL account.

In an embodiment, the tracking number determining module is specifically configured to:

upon receiving the debit transaction request, obtaining transaction elements in the debit transaction request; acquiring a query condition input by a user based on a transaction element; obtaining at least one tracking number according to the query condition; a tracking number selected by a user from the at least one tracking number is obtained.

In one embodiment, the table update module is further configured to:

Fig. 5 is a schematic diagram of a device for implementing BGL account fund flow supervision according to an embodiment of the present invention, in an embodiment, the device is further configured to provide a reminding message sending module 501, configured to:

In an embodiment, the reminding information sending module 501 is further configured to:

In one embodiment, the tracking number basic information table at least comprises a tracking number, a service type, a state, a BGL account number, an incorporation tracking number, a created transaction code, a created core transaction code, a created channel, a created institution, a created teller, a last modified state and a last modified date.

In one embodiment, the tracking number balance information table includes at least a tracking number, a BGL account number, currency, an initial amount, a balance, a last modified status, and a last modified date.

In one embodiment, the tracking number serial information table at least comprises a tracking number, an accounting date, a core serial number, a BGL account number, a type, a time, a system to which the transaction code belongs, a transaction code, a core transaction code, currency, an amount, an opponent type, opponent information, whether to make a correction, an original transaction date, an original transaction core serial number, remark information, a last modification state and a last modification date.

The device provided by the embodiment of the invention has the following beneficial effects:

first, availability is high. The three tables can modify fields according to requirements and have extensibility; data are split from transaction information, amount information and basic information, transaction details can be located in time, certain financial data are analyzed, convenience is provided for automatic abnormity reminding, BGL fund flow direction can be determined, out-going and in-entering can be located in time, real-time monitoring and comparison are achieved, and BGL fund flow monitoring in the whole process is achieved. The fund flow direction information can be automatically recorded, and each fund dynamic state can be positioned in time, so that the wrong account risk is reduced;

secondly, automatically generating a tracking number, coding the tracking number according to transaction flow and transaction date, recording the fund flow direction by taking single transaction amount as a dimension, and further clearly checking out and entering account to realize the supervision of the BGL account fund flow transaction flow; and the abnormal condition can be timely reminded, so that the monitoring of the BGL account fund flow transaction process is realized.

Fig. 6 is a schematic diagram of a computer device in an embodiment of the present invention, where the computer device 600 includes a memory 610, a processor 620, and a computer program 630 stored in the memory 610 and capable of running on the processor 620, and when the processor 620 executes the computer program 630, the BGL account fund flow supervision implementation method is implemented.

The computer equipment, the computer readable storage medium and the computer program product provided by the embodiment of the invention have the following beneficial effects:

As will be appreciated by one of skill in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program service system embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program business systems according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A BGL account fund flow supervision implementation method is characterized by comprising the following steps:

when the transaction is credit transaction, writing the basic transaction information of the transaction request into a tracking number basic information table corresponding to the tracking number;

at the end of every day, carrying out zero clearing check on the balance in the tracking number balance information table of the BGL account to obtain a zero clearing check result;

and outputting a tracking number basic information table, a tracking number balance information table, a tracking number serial information table and a zero clearing check result of the BGL account.

2. The method of claim 1, wherein determining the tracking number after receiving the transaction request comprises:

3. The method of claim 2, further comprising:

4. The method of claim 2, further comprising:

after receiving a debit transaction request, the BGL account does not carry out credit transaction and receives a tracking number directly input by a user, writing basic transaction information of the debit transaction request into a tracking number basic information table corresponding to the tracking number directly input by the user.

5. The method of claim 2, further comprising:

6. The method of claim 1, further comprising:

7. The method of claim 1, further comprising:

8. The method of claim 1, wherein the tracking number basic information table includes at least a tracking number, a service category, a status, a BGL account number, an incorporation tracking number, a create transaction code, a create core transaction code, a create channel, a create institution, a create teller, a last modified status, and a last modified date.

9. The method of claim 1, wherein the tracking number balance information table includes at least a tracking number, a BGL account number, currency, an initial amount, a balance, a last modified status, and a last modified date.

10. The method of claim 1, wherein the tracking number serial information table comprises at least a tracking number, an accounting date, a core serial number, a BGL account number, a type, a time, a system to which the transaction code belongs, a transaction code, a core transaction code, a currency, an amount, an opponent type, opponent information, whether to proceed, an original transaction date, an original transaction core serial number, remark information, a last modified status, and a last modified date.

11. A BGL account fund flow supervision implementation device is characterized by comprising:

the BGL account comprises a tracking number determining module, a tracking number determining module and a tracking number determining module, wherein the tracking number determining module is used for determining a tracking number after a transaction request is received by the BGL account, and the transaction comprises a credit transaction and a debit transaction;

and the supervision output module is used for outputting a tracking number basic information table, a tracking number balance information table, a tracking number running information table and a zero clearing check result of the BGL account.

12. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 10 when executing the computer program.

13. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 10.

14. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 10.